vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2020, I mistakenly made a {$62000.00} online payment toward my business CC with Bank of America ( BOA ). What I intended to pay was {$6200.00}. On XX/XX/2020 I realized the mistake, called BOA right away to request that they cancel or return the payment. I was told that since the payment was still pending I should call the bank ( XXXX ) from which the funds were going to be withdrawn. I called XXXX immediately and they also said they could not do anything from their end and I needed to call back BOA to have them return the funds. I called on XX/XX/2020 and spoke to a lady who told me that they would have to send a check and that she was obligated to inform me that this could take up to 30 business days. I was astonished but suspected that I did not get the right information. So I called back the next day and spoke to XXXX who informed me that the request to have the money returned was in progress but the amount was incorrect. She asked me if I had given permission to withhold enough money to pay off the CC balance and I said absolutely not. XXXX proceeded to confirm with a representative ( XXXX  ) from XXXX that the {$62000.00} had been withdrawn from my account and XXXX confirmed this. XXXX then made arrangements to have {$55000.00} wired to my XXXX account and informed me that it would take 24 to 48 hours for the money to be in my XXXX account. Preoccupied with trying to keep my business going during these extremely difficult times I was satisfied that this was in progress and that I would soon get the balance minus the {$6200.00} that I had intended to pay initially. This morning, Friday, XX/XX/XXXX the first thing I did was to check with XXXX. There was no record that there was an incoming wire from BOA. I called BOA immediately and spoke with XXXX who calmly told me that the wire was on hold because it had to go through several layers of approval. At this point, I was so irate that BOA was sitting on such a significant amount of money and they were taking their time to return this to me. I asked to speak with a manager because I could not believe the gall/nerve that they would take their time returning this money. I spoke with XXXX XXXX and he was no better. He gave me their reasons for the delay and essentially showed a total indifference when I told him that I depended on these funds to keep my veterinary clinic open. He was relentless telling me about the procedures in place that prevented BOA from expediting the refund. I have no words to describe how incensed I am that a bank can be so rigid at a time like this, and also have such little regard for a long-standing client who holds three CCs  with this bank. This, in a few words, is no different than robbery!

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 2020-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Several people identifying themselves as lawyers from the firm of XXXX XXXX XXXX called me and my immediate family multiple times each in the same day. The names they used were XXXX XXXX and XXXX XXXX. They were EXTREMELY rude -- even going so far as to harrass my XXXXyear-old mother to the point of tears and a XXXX XXXX XXXX. When I contacted them to see what they were calling about, they spoke extremely fast so that I could not write down the details. When I asked them to slow down so I could take notes, they became agitated. When I asked questions for clarification or further details, they became angry and said that " I didn't have this many questions while I was charging money on a credit card that I had no intention of paying. '' They proceeded to berate me, even questioning why my company would hire such an " XXXX '' to be a manager. I remained calm and asked them to do the same. I asked them to send me a letter providing me with their claims in writing, and they said if I wasn't going to make a settlement agreement immediately on the phone that they would begin court proceedings. I explained that I was simply trying to get to the bottom of their claims, but they just replied that I was being uncooperative and hung up on me. I called the financial institution they said the debt was from, and they had no record of the credit card or the debt under my name or social security number, and also told me that they were not looking to collect any money from me.

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 2020-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The company by the name of XXXX XXXX XXXX reporting that in 120 days late, which Im not, my account was transfused to a next company so I dont understand why they reporting. This negative items on my 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 explanation
Consumer complaint received 2020-09-04 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: IL

Complaint narrative:
TransUnion and XXXX  are fraudulent on my following accounts : XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX/XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX  is fraudulent on my credit Account # 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 2020-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
Western Union makes it difficult to collect expired remittances Deliberately makes it difficult to collect on expired remittances.

They put obstacles so that customers get tired and desist the collection of small amount remittances.

These are the facts : 1- On XX/XX/XXXX my customer sent {$45.00} according to MTCN XXXX. 

2.- Due to the Covid-19 pandemic, I did not collect the remittance in a timely manner. 

3.- In XXXX I contacted Western Union where they informed me that the remittance had expired and that the sender should speak with the Western Union agent in XXXX to renew it. 

4.- The client informed me that he made several attempts and the agent always told him that the MTCN number did not appear in the system and therefore he could not do anything. 

5.- On XX/XX/XXXX, I called the Western Union support system and the automatic voice agent informed me that the money was available to be collected. 

6.- The same day I went to the XXXX Supermarket located in XXXX XXXX , XXXX, FL, which is a Western Union agent . The clerk informed me that the MTCN number did not appear in the system. 

7.- The same day, I spoke with XXXX in Western Union Customer Support and he told me that the sender should cancel the remittance and resend the money, of course paying the expenses again to Western Union . 

My point is the agents are not properly trained and give contradictory suggestions, in addition the system has bugs, for instance, the responses of the automatic voice agent contradict what the agents see in their systems. All this favors Western Union economically because customers give up collecting the amount of the remittance or have to do it again with the consequent money loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: TX

Complaint narrative:
Last week I made calls to all 3 credit bureaus about multiple hard inquiries showing on my credit report from XX/XX/XXXX-XX/XX/XXXX, this was around the time that I purchased a vehicle. I was told by the dealership that it would count as 1 hard pull but it ended up putting double digit inquiries on my reports. These inquiries have been disputed multiple times through a credit repair agency and nothing has come off. Im sending this same complaint to all 3 bureaus because its not fair to not take credit disputes seriously for the sake of keeping people in a cycle of having challenged credit. Im in the process of starting a second business & have had to pay for things out of pocket to keep my first business afloat. I need these inquiries removed immediately

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 2020-09-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Last week I made calls to all 3 credit bureaus about multiple hard inquiries showing on my credit report from XX/XX/XXXX-XX/XX/XXXX, this was around the time that I purchased a vehicle. I was told by the dealership that it would count as 1 hard pull but it ended up putting double digit inquiries on my reports. These inquiries have been disputed multiple times through a credit repair agency and nothing has come off. Im sending this same complaint to all 3 bureaus because its not fair to not take credit disputes seriously for the sake of keeping people in a cycle of having challenged credit. Im in the process of starting a second business & have had to pay for things out of pocket to keep my first business afloat. I need these inquiries removed immediately

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 2020-09-04 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: NY

Complaint narrative:
The company by the name of XXXX XXXX XXXX reporting that in 120 days late, which Im not, my account was transfused to a next company so I dont understand why they reporting. This negative items on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The company by the name of XXXX XXXX XXXX reporting that in 120 days late, which Im not, my account was transfused to a next company so I dont understand why they reporting. This negative items on my 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 explanation
Consumer complaint received 2020-09-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent out a letter on XX/XX/2020 disputing the negative item on my report. I still haven't received a response and it has been well over the 30 days given by the Fair credit reporting act for re-investigation. I sent out another certified letter on XX/XX/2020 because I wanted to know the progress of my investigation. It is now XX/XX/2020 and it is well over 60 days. This is a direct violation of my rights and action has to be taken so that the incorrect information on my report is removed.

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 2020-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Banco Popular de Puerto Rico, XXXX XXXX branch is not.paying attention to send me my Visa card since XXXX XXXX.I am very needed to receive my Visa card because is urgent to me to resolve some problems.I am calling frequently to Costumer Services numbers and they are not answering the telephones and I visited the offices and they said that they sent the card but it was returned and I confirmed that it was the correct address .but I didn't receive the Visa card yet.and I am  sure the address is correct.please help me.Thank you ( excuse my English errors because I am Spsnish speaker )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On or about XX/XX/2020 I opened a capital one performance savings account. At the time of opening the account capital one had a promotion where if I opened the account and deposited new money then I would receive a bonus ( I think it was {$150.00} for ever $ XXXX ). The promotion was not automatically applied to my account. I then called a capital one rep and the rep advised me that : I do qualify for the promotion and that I should continue to deposit my money in the account. I was told that I should call capital one at the end of XX/XX/2020 so that another rep can manually apply the promotion funds to my account. I deposited over XXXX in new money into the account per the promotion terms. I then I called capital one on XX/XX/2020 and spoke to XXXX ( employee ID XXXX ). XXXX  told me that She sees the notes from the prior rep and said that the prior rep was wrong and I do not qualify for the promotion. I told her I fulfilled all terms and  she said I did not. I then asked her to provide me with an email or written doc as to what the terms are. She said she could not provide me with any additional information. She said that I should have gotten an email about the terms at the time of opening the account but I told her I did not and explained to her that the promotion code was not applied initially which is why the email did not go through so I dont know what she is talking about or referring to. I then asked her to read me the notes that the initial rep had placed in my account to confirm that I qualify and she said that she would not read it to me nor provide me with the promotion code that is annotated on my account and that was supposed to apply to my account. It is ridiculous that the bank is withholding information about my own account and now the bank is trying to avoid paying the promotion fee when I complied and made my desposits as required by the promotion and the initial rep. Attached is a pic of the new money deposit I made at the time the account was opened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Two years ago, I changed my name and I updated all the credit bureau of the name change. I do not have problems with other credit bureaus except Experian. I did not suspect any problem with my Experian credit file until about 3 months ago ( XX/XX/2020 ), when my apartment lease was coming to an end and I needed to secure a new apartment. I attempted to apply for a new apartment, however, I was told by the apartment community that there was a lock on my Experian credit file and I needed to contact Experian to resolve the issue. I had to contact Experian a couple of times because the apartment insisted they couldnt run my credit even after the reps at Experian had told me there was no lock on the credit file. I became frustrated and then tried a different apartment, I was told the same thing as the first apartment. My rental application was rejected by more than 4 apartment communities because they could not run my Experian Credit report. Then I tried to run my Experian credit myself, and I realized there was a lock on my file.

I called Experian again and demanded to talk to a manager. The manager told me I had to send all my name change documents again because their system had my SSN under two different names- ( This was as a result of my name change ) she told me to call back in about 5 business days, I did as instructed and called back to get an update, they acknowledged the receipts of my documents however no one had been able to rectify their system issue even as I  type this on XXXX XX/XX/2020. I have called several times, no one has taken responsibility for the problem, I get bounced around to different departments and at the end, get hung up on. Most times, I spend over an hour on the phone with no viable solution.

Right now, I can not get an apartment ( I am practically homeless ) neither can I get credit from lenders. I am also currently on the job market for a new employment opportunity and my fear is that I may possibly lose a job offer because of a prospective employer 's inability to run my credit for background check. I have attempted to involve a legal shield lawyer, but he doesnt seem to be making any headway. I am unsure what to do or who can help me. My life is basically on hold because of Experian 's employees ' negligence of duty or lack of training. This credit lock has created so many roadblocks for me over the past 3 months and I need this resolved so that my life can go on.

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 2020-09-04 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2020 I made a purchase with merchant XXXX XXXX it shows up on my statement as " THY XXXX '' for the amount of {$1000.00}. I received texts in XXXX and emails in XXXX from the merchant notifying me that my flight ( the service ) had been canceled. I informed my credit card CHASE company in XXXX or XXXX that the services I purchased were canceled and the services were never provided. I have been going back and forth with my credit card company and I am not understanding what the issue is. When someone buys a product or a service, the consumer is in every right to charge-back the item. Chase has not been helpful in trying to resolve this issue. XXXX  XXXX is being fraudulent by not providing me the service I purchased. Chase at that point needs to come in as my credit card company and communicate with the merchant to give me my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX has numerous inquiries on my Equifax ( XXXX XXXX XXXX XXXX ) report. Also an attorney has requested information on my employment. I do not nor did authorize them to inquire on my report. Unless they have my approval I want No one looking at my employment history Furthermore XXXX XXXX  never had my authorization to report back in XXXX nor did XXXX XXXX  have my permission in XXXX The only place is XXXX XXXX and I want top limit my report to just 1 year of reporting not 4 years of bimonthly salary. My salary should never be available for the world to see I tried to call Equifax workplace 4 times and they had me on hold for an hour each time which is unacceptable as well I want all items over 1 year cleared from my account along with and inquires by unauthoirized people denied concerning my XXXX   XXXX XXXX Account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Hello, the below charges are fraudulent. I have attempted to call Wells Fargo but have not been able to get ahold of them. These charges were not authorized by me and are fraudulent. These charges need to be removed and disputed and I need the card replaced ASAP. 

XX/XX/20 XXXX ( # 12 ) XXXX XXXX XXXX  # XXXX {$1700.00} XX/XX/20 XXXX XXXX XXXX XXXX XXXX CA # XXXX {$130.00} XX/XX/20 XXXX XXXX XXXX XXXX XXXX CA # XXXX {$480.00} XX/XX/20 XXXX XXXX XXXX XXXX XXXX XXXX CA # XXXX {$1100.00} XX/XX/20 XXXX XXXX XXXX   XXXX XXXX XXXX CA # XXXX {$2000.00} XX/XX/20 XXXX XXXX, XXXX XXXX GA # XXXX {$550.00} XX/XX/20 XXXX XXXX XXXX XXXX  NY # XXXX {$260.00} XX/XX/20 XXXX XXXX XXXX CA # XXXX {$140.00} XX/XX/20 XXXX XXXX XXXX CA XXXX XXXX {$100.00}

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