vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX I leased a vehicle from XXXX XXXX XXXX on XXXX XXXX, the lease was done through XXXX XXXX. The car was then stolen recked and totaled out, I was dealing with the police, the bank and the insurance company. I was told by my insurance company that check was issued and sent to the bank and I dont need to make payments to the bank. I later found out there was a dispute between the bank and the insurance company and the bank sent my account to collections so they can take possession of the vehicle which delayed the insurance payment and led to my account going into collections. I was never called or informed about my account getting ready to go into collections. They claim they didnt have my cell number which I find hard to believe because the dealership I purchased from still calls me on that number. I even called in to make the last due payments but they didnt let me make those payments because of the status of my account. I would like CFPB to protect me as a consumer and get this taken off of my credit history. The account was paid for the bank received there money I just need the fact that this account went into collections for less than 2 months 3 years ago taken of my credit history.

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 2020-06-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
I have been trying to login to my target ( Manage my Redcard account ), for several days now to no avail. Keep getting error message stating user name and, or password incorrect. I have tried several times to change password, resubmit password, change user ID, resubmit user ID, to no avail. I have called several times on XX/XX/2020, spoke with three target representatives and one supervisor, was sent a link to " reset '' my password, and the link does not work. I changes my password as requested, still can not login, still receive error message, " user name and, or password incorrect. ". I have tried to get the matter resolved to no avail, thus I can not use my credit card online to shop or manage my " redcard account '', ( i.e., make online payment, shop, etc ). They sent me a case number to refer to and I did but still can't log in to my account, case # XXXX. I called and spoke with someone ( I could not understand their language ), the represenative could not understand English too well, so my problem went unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made 2 times payment of {$650.00} to Regions Bank by phone. Unfortunately they said they received the payment after hours and they reported 2 late payments on my credit profile.

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 2020-06-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Flight Date : XX/XX/2020 Flight Itinerary : XXXX XXXX XXXX XXXX XXXX. 

Description of Problem/Inquiry/Comment : The airline cancelled the flight From XXXX XXXX to XXXX via XXXX. Policy at time of ticket transaction was refund to original form of payment in the event of a cancelled flight. Purchased through XXXX. Only emails received indicate airline credit, not refund, in violation of the policy. Spent hours on the phone-XXXX XXXX   saying Entitled to refund but XXXX must refund as they are agent. XXXX saying XXXX must refund as the ticket was billed directly by XXXX XXXX. They then said they will send in the request to process with confirmation guaranteed in 48 hours. 96 hours have passed. Ticket number XXXX. Disputed with credit card company who stated in absence of the airline offering a refund by documentation they will not do anything. In other words, they are not protecting us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: Early Warning Services, LLC
State: CO

Complaint narrative:
My credit file is being handled by the special fraud team with XXXX   and I can not get a hold of any one in reference unauthorized accounts and inquires among other errors. Also there is a fraud alert on my XXXX report with the wrong number! Cant reach anyone who could help me there and XXXX has no record of my police report I sent them last year to address my disputes and these different addresses keeps appearing on my report and I tell them to take it off and next thing I know I call back and I cant be authenticated because something else has popped up. Then check systems wont remove fraudent information off my record where its hard for me to open up bank accounts. I was notified by XXXX  credit monitoring that my email addressed and personal information was hacked and my telephone number was somehow possibly being used. Ive spent many of hours dealing with this. My personal information was also involved with the XXXX 2017 data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: EQUIFAX, INC.
State: CO

Complaint narrative:
My credit file is being handled by the special fraud team with XXXX   and I can not get a hold of any one in reference unauthorized accounts and inquires among other errors. Also there is a fraud alert on my XXXX report with the wrong number! Cant reach anyone who could help me there and Equifax has no record of my police report I sent them last year to address my disputes and these different addresses keeps appearing on my report and I tell them to take it off and next thing I know I call back and I cant be authenticated because something else has popped up. Then check systems wont remove fraudent information off my record where its hard for me to open up bank accounts. I was notified by XXXX credit monitoring that my email addressed and personal information was hacked and my telephone number was somehow possibly being used. Ive spent many of hours dealing with this. My personal information was also involved with the Equifax XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: TX

Complaint narrative:
This all started when I received an email asking if I would like to make big money working from home and I clicked yes. XXXX XXXX then called me via phone and said that I had inquired about working from home online. We talked and they told me they could teach me how to make money selling items on XXXX and XXXX. They also stated they would build me a website included in the costs. We then talked a little longer and I asked, what will all this cost me? and the gentleman stated that the cost for the training and website setup would be {$14000.00}. I told him I could not afford to pay that much money, he then proceeded to tell me I could put it on a credit card in which I would have 30 days to pay it off. He stated by the end of the 30 days I would be making well enough money and could pay the {$14000.00} back. I proceeded to put the charges on 2 different credit cards ( Citi and XXXX ) believing what he told me would be possible. XXXX   XXXX had their coaching team contact me and we set up coaching sessions with XXXX. XXXX trained me an hour once a week or sometimes an hour and half. The coaching program was all based on the time they had available. The coaching also consisted mainly about selling items on XXXX and not XXXX and XXXX. I found out later that you could learn how to sell on XXXX for free on their site. Once the website was finished, I looked and honestly it was so basic my grandson could have done a better job. I called XXXX and he showed me how to log on to the site and change the font along with other things. I then cleaned the website up myself to the point where I thought it looked better. Back to the training/coaching sessions. I never once received any training regarding selling on XXXX. I also never received any training/coaching on Social Media Advertising for example XXXX, XXXX, XXXX, I had to learn that all on my own. They also set me up with a drop shipper named XXXX XXXX which has been unsuccessful at making any money. I have an address for XXXX XXXX which is in XXXX XXXX, but all the phone contacts are in Washington State. I have been misled and pressured into services that were not needed. I would like a refund for the full amount as you can see, they misled and deceptively sold me. They told me that in 30 days I would be making well enough money and could pay the {$14000.00} back when in fact I havent made a dime.

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 2020-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am trying to set up XXXX ( investing app ) but the app says PNC wont allow it to work and to contact you. I tried to set this up last night ok the XX/XX/20 at XXXX XXXX but nothing worked. I tried this morning thinking it was down for maintenance or something. Again it did not work. Today is the XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Good morning, I have a small business and am having a repeated problem with Bank of America. 
Is it possible for your agency to help me in any way? 
Basically, I make large deposits from wealthy clients into my checking account. NONE of these checks have ever bounced. 
But, just because they are over {$5000.00} the bank likes to sit on the funds for a couple of weeks. The funds clear the sending bank and are in the possession of Bank of America within 24 hours but BoA likes to enjoy that float for a couple weeks, while this small businessman has no access to my funds to keep my business going. 
I have complained to XXXX XXXX, CEO of BoA repeatedly about this and I always get the same results : 1. Someone from 'Executive Appeals ' office contacts me and wants to look into the matter. 
2. They take the information and eventually confirm that all is good. 
3. They eventually release my funds to me " as a favor ''. 
This process usually takes several days while I am dealing with hours and hours of forms, calls, emails, etc. over day after day of bureaucratic garbage that ends with a promise that my account has been notated and the famous last words ... '' this won't happen again ''. 
Well, here i am again as it seems to happen most every time. 
This is a killer for a small business, especially in these times of a slow economy. 
Is there any way you can motivate Bank of America to stick to the promises of the people and NOT sit on my money for so long? 
Thank you for anything you can do to help me. 
Gratefully, 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 non-monetary relief
Consumer complaint received 2020-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX I purchased a money order from Chase bank for {$560.00} to make a child support payment. When I asked the teller for a money order, she asked me to insert my bank card into the reader and enter my pin. At that point she could see my account and had it open. I paid for the money order with a debit charge of {$5.00} and the {$560.00} was debited from my account that day, I am not wealthy, so I keep a close eye on my finances, also I am running a small business from the same account, so I keep an account of every penny spent. 
As luck would have it, I misplaced the money order, filled out to the child support agency and in a stamped envelope. I immediately called chase to report it, they directed me to the branch where I purchased the note and get a new one. 
On XX/XX/XXXX I went into the branch in XXXX AZ, where I bought the money order and approached the same teller at the same window. I told her my story, she looked up the money order and said it was " processing '', looked concerned for a moment and then said she could not find any money order bought by me on XX/XX/XXXX. She said she saw the previous month, but not XX/XX/XXXX. I did not have the receipt with me at the time. I called and emailed XXXX XXXX the branch manager, She told me that the money order did not exist. I looked in my account and it was GONE! 
Later, I found the receipt. The story changed from XXXX XXXX after I showed her the receipt and a photocopy of the actual money order. 
Later, some good Samaritan found the stamped envelope and mailed it. My child support arrived and was cashed. Imagine that, a money order that doesn't exist being cashed ... 
Chase bank then proceeded to tell me that the money had been originally debited from someone else 's account and that they were going to recover the funds from my account, and that the XX/XX/XXXX money order that magically vanished was now found, but I had never paid for it. and sure enough, they did. 
So to recap, I bought money order on XX/XX/XXXX. I saw the money taken from my account. I lost it on XX/XX/XXXX. I made it to the XXXX branch on XX/XX/XXXX with no receipt. They told me the money order never existed, and my personal records don't match the bank 's suddenly. Then I emailed XXXX XXXX my receipt. XX/XX/XXXX the bank has a new story. I have records of everything and point out the holes in her story. now, XX/XX/XXXX XXXX XXXX will not return my calls or emails. I have repeatedly asked her to write me an email with a detailed explanation of what happened or some evidence of her claim. She refuses and will not communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Called multiple times requesting citi checking account closed and account is STILL open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-11 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: DISCOVER BANK
State: TX

Complaint narrative:
This all started when I received an email asking if I would like to make big money working from home and I clicked yes. XXXX XXXX then called me via phone and said that I had inquired about working from home online. We talked and they told me they could teach me how to make money selling items on XXXX and XXXX. They also stated they would build me a website included in the costs. We then talked a little longer and I asked, what will all this cost me? and the gentleman stated that the cost for the training and website setup would be {$14000.00}. I told him I could not afford to pay that much money, he then proceeded to tell me I could put it on a credit card in which I would have 30 days to pay it off. He stated by the end of the 30 days I would be making well enough money and could pay the {$14000.00} back. I proceeded to put the charges on 2 different credit cards ( XXXX {$7400.00} and Discover {$7400.00} ) believing what he told me would be possible. XXXX XXXXXXXX had their coaching team contact me and we set up coaching sessions with XXXX. XXXX trained me an hour once a week or sometimes an hour and half. The coaching program was all based on the time they had available. The coaching also consisted mainly about selling items on XXXX and not XXXX and XXXX. I found out later that you could learn how to sell on XXXX for free on their site. Once the website was finished, I looked and honestly it was so basic my grandson could have done a better job. I called XXXX and he showed me how to log on to the site and change the font along with other things. I then cleaned the website up myself to the point where I thought it looked better. Back to the training/coaching sessions. I never once received any training regarding selling on XXXX. I also never received any training/coaching on Social Media Advertising for example XXXX, XXXX, XXXX, I had to learn that all on my own. They also set me up with a drop shipper named XXXX XXXX which has been unsuccessful at making any money. I have an address for XXXX XXXX which is in XXXX XXXX, but all the phone contacts are in Washington State. I have been misled and pressured into services that were not needed. I would like a refund for the full amount as you can see, they misled and deceptively sold me. They told me that in 30 days I would be making well enough money and could pay the {$14000.00} back when in fact I havent made a dime

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I have 2 accounts with Comenity Capital bank. One is for XXXX XXXX and the other is for XXXX  XXXX I have paid off both collections. I was advised by the collection agency XXXX XXXX  that the accounts would be updated and removed rom my report. They have not been updated by either party. The original party or collection agency. I have reached out to both parties and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collins Asset Group, LLC
State: SC

Complaint narrative:
The collection agency is Collins Asset Group. I was not informed of this debt until it showed up on my credit report. I was not given a notice of chance to dispute the account or the amount that its stated I owe. I have disputed with the credit agencies and collection agency and still have not been sent information about the debt and that it is mine and what is owed on it. This is reporting to my credit and it is hurting me and they are not providing me with the information needed. The original company is 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 2020-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My wife and I contracted the XXXX XXXX in early XXXX my wife unfortunately XXXX XXXX XXXX. I was XXXX for XXXX XXXX and once I recovered I contacted Shellpoint Mortgage Company to let them know that I wanted to apply for forbearance due to hardship. My wife and I were on social security so I no longer have her income to help with the mortgage. I spoke with a XXXX XXXX at Shellpoint who was to submit a forbearance request for XXXX months XXXX, XXXX, and XXXX. I also discussed the options I wanted to know I had if I chosed to give up the property. The said he was gon na submit the forbearance paperwork and email me information re the different option available to me if I chosed to sell the property. He was to have an appraisal done on the property weeks ago and scheduled a call with me on XX/XX/2020 @ XXXX. I have not heard anything back from the Shellpoint Rep XXXX XXXX, he doesn't respond to emails on left voicemail messages. I have spoken to other Reps who basically give me the same run around as XXXX XXXX XXXX. has. There customer service is the worse I have ever experience in my life the unprofessionalism is otherworldly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UMB FINANCIAL CORPORATION
State: MO

Complaint narrative:
I want to report that this bank is practicing things that are not favorable to the customer. I checked online banking ( I have pictures ) and my account was and still is fine but there was an overdraft fee. When I call in the guy tells me pending items that are not posted can give you a fee and online banking cant show real time items and the balance in there back system tells them why I got an fee. However the screen shots dont reflect that and it doesn't make sense that you provide me a product that doesn't work to help maintain my account. If at the end of business i see XXXX why do they have XXXX. That would have reflected pending items and there for I shouldn't have had an overdraft fee because there was enough money to clear the check from my actual balance. The bank is getting over and this should be looked at. I do have pictures to prove this. This is not good practice especially in this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: PA

Complaint narrative:
Fraudulent late fee that resulted from Citi Cards ( Citibank , N.A . ), deactivating the auto pay. Late Fee, XX/XX/XXXX, {$15.00}. 

I called Customer Service yesterday, XX/XX/XXXX, ( XXXX ), spoke to " XXXX '' who stated the Citibank " Automated System deactivated the auto pay on XX/XX/XXXX. " ( conversation recorded ). 

Same exact fraudulent activity Citibank committed with my wife 's card, Complaint XXXX. It is apparent Citibank is establishing a pattern of corporate fraud and theft.

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