vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
CITI FREEZES MY ASSETS FOR 120 DAYS AND PROVIDED NO CLEAR EXPLANATION ( This is a DESPERATE CRY FOR HELP because I don't know what else to do.All attempts to resolve this with Citi came to dead ends. ) My family savings account has been frozen since XXXX. I was told by Citi that I could resolve it by calling the Fraud Department, but after making a lot of calls ( about 20 by now ) I was told the account is in " review '' by the " back office '' with no way to contact and that it is " marked for closure ''. But none of them can tell me why nor provided a way to resolve it. I was told to wait for 30-60 days for them to contact me with the reason. 

In XXXX ( 60 days after the account was frozen ), I received a letter ( attached ) with cryptic message saying " We periodically review customer accounts to assess the suitability of their banking relationship with Citibank. Pursuant to a recent review, it has been determined that we can no longer service your account ending XXXX  and your other related Citibank accounts. Based on this decision, we have taken steps to terminate your banking relationship ( s ) with Citibank. '' So after 60 days of locking my asset, Citi still does not provide clear explanation whatsoever as to why my account was locked and marked for closure. 

I made another call provided by the letter ( Fraud Prevention dept ) and was told ( again ) that the decision was made by the " back office '' and that they do not take any calls. 

Worse yet, the letter says that the account closure will take up to 60 days. So basically Citi has no problem holding my money for 120 days but is unable to provide a sound explanation as to why. 

That is also 120 days of me unable to access my family 's savings that I really need especially during this time when businesses are closing and family 's are struggling. 

Because of this, I had to take a loan with high interest. 

I don't know what else to do here or who else to contact. We don't have a branch in my state. Citi Fraud Prevention is clueless. The " back office '' is unreachable. Citi Executive Response Team is unable to help. 

CFPB, please help us regular people and investigate Citi 's irresponsible asset mishandling under the disguise of " fraud prevention review ''.

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 2020-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I had overpaid the XX/XX/XXXX Mortgage. The amount could cover the XXXX plus {$2000.00} principal ( paid on XX/XX/XXXX ) and XXXX ( paid on XX/XX/XXXX ). However the late fee {$140.00} kept on the balance. I had called five times and communicated with Mr. Cooper to resolve this mistake. The mistake still happened and the {$140.00} was deducted from the additional paid principal {$2000.00} and it became {$1800.00}. I want to complain about this mortgage company being not able to correct this mistake and this issue happening is not fair to the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: OK

Complaint narrative:
I went to get gas at XXXX gas station on XX/XX/2020. There is a - {$75.00} charge still " pending '' that the gas station held, however, also a " Reversal Credit '' of + {$49.00} that is also still " pending '' according to the " Way2Go '' app. According to the paperwork I received with my Way2GO debit card, XXXX XXXX is the banker for Way2GO debit card. On XX/XX/2020, there was a charge of - {$25.00} from the same XXXX   which is the correct amount that I actually spent on XX/XX/XXXX. I spoke to the Way2Go Customer Service Representative on XX/XX/2020, after calling XXXX which is listed on the Way2Go paperwork that I received in the mail. She told me that XXXX is responsible for the charges and that they are the one 's who needs to release the hold. I spoke to 4 different XXXX representatives on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they told me that all they charged me was " {$25.00} '' and that it is up to the bank to release my funds back into my account. I tried calling Way2Go Customer Service again at XXXX 5 times on XXXX XXXX, and XXXX, however, when it got to the part where they said to " hold '' for the transfer to speak to a representative about my dispute, it would hang up on me versus transfer me to a representative. The same thing happened when I tried calling another number listed on the Way2Go App as a Customer Service number at XXXX, as I called 6 times on XX/XX/XXXX and XXXX, on this number. On top of going through all that mess, I noticed that the bank charged me {$0.00} four times on XX/XX/XXXX, XXXX, and the XXXX possibly due to me calling so much, on the numbers listed above, to try to get through to an agent to dispute my charge. Each time I called, I chose the " dispute '' option, however, it informed me of my balance each time, although, I never requested for my balance. Way2Go charges {$0.00} if you check your balance more than 5 times per month. I would like them to release my funds back into my account as it is rightfully mine 's as well as refund me the 4 charges of {$0.00} because my calls were not for the intent of checking my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I lost my checking account information and I then called to close the account and was told that I owed a balance of which I did not incur or was even aware of. I was told by the fraud  department that I needed to file a police report and send it in with the account information on it and that was done. To further protect myself I filed chapter  XXXX bankruptcy and included the amount. The bankruptcy was filed in XXXX of XXXX and discharged XX/XX/XXXX. I came in XX/XX/XXXX to open a personal account and was told that I could not open it because I owed that amount even though I included it in bankruptcy because I wanted to make sure I was in the clear and that no adverse action could be placed against 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 2020-04-20 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: IL

Complaint narrative:
I have contacted Experian about the name variations on my credit report. My name is XXXX XXXX XXXX. I have only applied for credit under XXXX XXXX or XXXX XXXX XXXX. Experian is reporting the following names : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I want these errors removed off of my Experian 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 explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is a follow up on CFPB complaint submitted on XXXX XXXX - complaint number XXXX. 

Today Bank of America credit card department has taken {$940.00} from my checking account without my authorization. 

Despite talking to credit card department of Bank of America yesterday and asking them to revert the payment they denied. 

Today they say that I had in fact authorized an automatic payment and starting overdrawing my checking account. 

This is completely unagreeable behavior from Bank of America credit card department. 

Bank of America must not try to take XXXX dollars from my account. The charge is showing as processing on my account on XX/XX/XXXX. 

Processing Transaction layer ACH HOLD BANK OF AMERICA AUTO PAY ON XX/XX/XXXX activity type debit status type icon pending Processing. Select to mark activity type debit XXXX ACH HOLD BANK OF AMERICA AUTO PAY ON XX/XX/XXXX as Reconciled 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 monetary relief
Consumer complaint received 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted letters to Equifax, XXXX  and XXXX  informing them of inaccurate information being reported on my credit reports. I submitted a letter from the furnisher stating they did not verify the information that is being reported on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX2019, this company contacted a third party before I ever received any communication from them. Received a letter from them dated XX/XX/XXXX19. I responded to them on XX/XX/XXXX19 through written communication. Explained my dispute on the collection and requested that I be exonerated of all charges. I never received any other communication from them. I noticed on my credit report that there was a report for the same account from another collection agency. Until I disputed it through XXXX  XXXX  in XXXX, I hadn't had any communication with this company. After they received the dispute is when I received my first letter from them. So, the first company sold my account to the next collection company. I responded to them also, and also went back on the first company regarding them selling my account. No response from either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo is retaining my funds unnecessarily. They suggested I find another service, I don't understand what happened. I need the funds to survive, after explaining that my account is deactivated and I can not recover my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20 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: WHEELS FINANCIAL GROUP, LLC.
State: NV

Complaint narrative:
This XXXX XXXX XXXX keep saying its my account and its not I had this problem going on 3yrs. I even called XXXX  and reported for thus company to be removed cause its showing on my credit twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I HAVE FILED MULTIPLE COMPLAINTS OVER THE COURSE OF SEVERAL MONTHS! 

The CFPB has failed to make Equifax resolve my original complaint : XXXX. Not only has Equifax ignored me, but CFPB has ignored me -- for an entire month. I assume the CFPB staff is teleworking. If so, ignoring my complaint any longer is not acceptable. If this complaint is not resolved by COB on XX/XX/2020, I will contact CFPB management, as well as Equifax senior management. I have the email addresses. It is my right to access my credit information and it is especially important during these times. I expect this to get resolved and for Equifax to stop ignoring and delaying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX  violated my 609 rights by reporting incorrect information to Experian regarding my credit profile. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX Auto Fin, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my date of birth, address, names, and employers corrected on my report as this is a violation on my consumer protection 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 2020-04-20 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I tried to make an online purchase but the purchase didnt go through because it said there was an issue the billing address. Tried to make the purchase multiple times and the amount showed as pending on my credit card even though I couldnt complete the purchase on the merchant website. There was a pending total of {$480.00} due to the recurrent transaction. The pending charges went away because the purchase was never made but the amount of {$480.00} is showing as a balance on my credit card which is incorrect. The charge never posted so it should not be showing in my current balance. I have tried to call and send messages. I was on the phone waiting to talk to a representative for XXXX hours and no one ever answered. I sent many emails with no response. It is frustrating because Wyndham by XXXX XXXX is trying make me pay for something that was never finalized. My recent transactions do not equal what is showing as my balance

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 2020-04-20 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:
I have contacted Transunion on several of occasions to remove the address they have on file on my credit report for XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Please note that I have never ever used this address, I dont know anyone at this address and I should have never ever had any sort of bills at this address. My current address since 2002 and to present is XXXX XXXX XXXX, XXXX, IL 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 2020-04-20 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: CA

Complaint narrative:
This complaint is because Equifax has violated FCRA 605B ( 15 U.S.C. 1681c-2 ) must remove the accounts from my credit profile within XXXX business days when presented a full ID THEFT REPORT. They have also violated FDCP 809. Validation of debts ( a ) ( 4 ) Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged fraudulent debt. 

Equifax received the initial complaint on XX/XX/2020 XXXX CERTIFIED # XXXX ] Therefore Equifax is NOT ALLOWED take advantage of 60 days to do an investigation. because of this online complaint trying to use an online technicality This is a violation of 607. Compliance procedures [ 15 U.S.C. 1681e ]

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
XXXX ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$7400.00} on the XXXX partial account number XXXX. ( Please see page 24 of the attached credit report. ) The original amount owed was {$2000.00}. I have tried to make a payment plan on what I owe however, I have still not been provided with any itemization and/or any documentation as to what the additional {$5400.00} is for. This false reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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:
My Capital One Credit Card for the statement dated XX/XX/2020 was {$18.00}. The statement balance Id {$18.00} was paid in full in XX/XX/2020. Well before due date of XX/XX/2020. However onXX/XX/2020Capital One debited my checking account for {$18.00} despite fact statement balance had been paid in full. 
I reached out to Capital One via XXXX on XX/XX/2020 and was told to call XXXX. 
On XX/XX/2020 I called and was on phone from XXXX XXXX to XXXXXXXX 
I was told even if you pay statement balance in full Capital One will still debit your checking account for the minimum monthly payment despite fact statement balance is zero. 
I do not feel checking account should be debited for minimum monthly payment if statement balance has been paid in full before due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We submitted an application for a loan modification to Wells Fargo. They denied it because they would not allow statements from the borrowers XXXX XXXX  account by XXXX XXXX to be used as a source of verification of rental income the borrower receives from her daughter. The borrower does not have a traditional bank account. She uses a XXXX XXXX card and a XXXX XXXX XXXX  card to handle her financial transactions. Cash app is similar to the XXXX XXXX offered by Wells Fargo that allows a person to instantly send and receive money from one person to the other without the need of a wire transfer. Wells Fargo would not tell us why the funds couldn't be used in spite of the fact we provided statements from the borrowers XXXX XXXX. account showing receipt of funds from the daughter.

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 2020-04-20 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: PA

Complaint narrative:
I submitted letters to XXXX, TransUnion and XXXX  informing them of inaccurate information being reported on my credit reports. I submitted a letter from the furnisher stating they did not verify the information that is being reported on my credit reports.

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 2020-04-20 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: PA

Complaint narrative:
I submitted letters to XXXX, XXXX  and Experian informing them of inaccurate information being reported on my credit reports. I submitted a letter from the furnisher stating they did not verify the information that is being reported on my credit reports.

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 2020-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My credit card was with XXXX XXXX XXXX  and then sold to Capital One XXXX rewards ending in XXXX. I have a perfect pay history and never been late. They are charging an outrageous interest rate over 22 % and will not and refuse to lower the interest rate.

Company response to consumer: Closed with explanation