vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: MO

Complaint narrative:
My grandmother died in XXXX. I was to be named executor of her estate. I noticed that three checks were written on her account by my cousin, totaling {$8500.00}, while my grandmother was in XXXX. I reported this IMMEDIATELY to Key Bank, both to a personal banker, and to Key Bank Fraud. ( See attached phone call detail report showing 15 minute call to Key Bank Fraud on XX/XX/XXXX ). Nobody at Key Bank would help me at all, until the estate was opened. This took several months to accomplish. I live in XXXX  XXXX, MO, and the bank is in Ohio. I was then told, by Key Bank, that since it took over 90 days to open the fraud case, that I am not able to recover any of this {$8500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-05 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: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
ACCT ending in XXXX Around XX/XX/XXXX I had claimed fraudulent transactions on my old Schwab account that was no longer being maintaind actively by me. Schwab falsely concluded that the transactions were not fraudulent and reported " account abuse '' through XXXX without any explanation as to how they concluded the investigation. " XXXX '' from your Schwab Bank customer service line called me on XX/XX/XXXX and after a 68 minute phone call the conclusion was " You have to call XXXX XXXX to report the account as fraudulent ( even though it was XXXX year ago and has since been closed ) and you owe Schwab as the charges are not fraudulent. '' The conclusion was incoherent and did not corroborate with the " account abuse '' remark on my XXXX report. 

XXXX was disputed back in XXXX and concluded as valid by Schwab. Again, I submitted multiple pieces of documentation proving that the transactions taking place in the account were fraudulent.

I have been an excellent customer of Schwab since XXXX and this type of treatment during a time of identity theft is unwarranted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The following agencies made hard inquiries that unfairly impacted my credit score : XXXX XXXX on XX/XX/2017 XXXX XXXX XXXX-XX/XX/2017 XXXX XXXX- XX/XX/2017 XXXX XXXX XXXX- XX/XX/2017 XXXX XXXX- XX/XX/2017 XXXX XXXX XXXX- XX/XX/2017 XXXX/XXXX XXXX- XX/XX/2017 XXXX/XXXX-XX/XX/2017 XXXX/XXXX XXXX XXXX- XX/XX/2017 I have never obtained or used funds from these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alliance Group & Associates LLC
State: AL

Complaint narrative:
On XX/XX/2019 at XXXX, I received a phone call from XXXX, XXXX NC a lady by the name of XXXX ( I'm guessing spelling ) asking me to confirm my personal information. I refused to do so and ask again what her name was and company. She stated Alliance Group and Associates. At least I think that is what she said. When I refused to confirm SSN she asked to confirm birthday. I asked again what was the matter and she very rudely denied to state the matter until I confirmed personal information. I informed her I have reported identity thief and I refuse to give any personal information over the phone and she is more then welcome to mail me any information. She accused me of being non-responsive to mail. She proceeded to make accusatory remarks to me such as " who ya hiding from ''. When I informed her AGAIN I am not providing nor confirming any personal information. She then threatened to proceed with legal actions and reporting my SSN to someone, I couldn't understand her. I stated to her to do what ever she felt she needed to do, I am not giving any information over the phone. She proceeded in a threatening manner to say " Oh I am going to '' and rudely hung up. I suspect this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
Mortgage company Shellpoint mortgage continues to refuse to send out monthly billing statements. On several occasions I have called and requested a statement and have not received one. Additionally, they do not show up to date information on previous payments, and I have noticed that principle payments that were made along with the finance charge were not displayed. When statements were sent they are mailed to me so late that by the time I sent the payment in they called me saying it was late. I told them that they send out the statements too late and to send them in a timely manner, they refused to help with this problem. As of XX/XX/XXXX I have yet to receive a statement from them, when I go on line the information for my statements is unavailable. I do not know that the principle payments that I have made for XX/XX/XXXX and XX/XX/XXXX are accurate. Therefore I am requesting a detailed report of all the principle payments I have made for XX/XX/XXXX and XX/XX/XXXX.  I further request that statements be mailed out to me in a timely manner.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
My name is XXXX XXXX and I had a small business account at TD Bank at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The name on the account was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

Three months ago I noticed a deposit of {$4000.00}. I had no idea who made the deposit and I went directly to my bank to see what was going on. It seems someone made 4 {$1000.00} deposits to the bank and I notified XXXX XXXX a financial services representative of the bank that this was a fraud. She then froze my account and I was locked out and I could not even get a to see my account online. 

In three days they found out that as I told them the checks were no good and the bank still keep my account frozen and charged me 4 {$20.00} fees and a charge for being overdrawn. I was not allowed to make any deposits into my account from the moment it was frozen.

The bank made me fill out an affidavit of fraud for each check and they sent me a copy of the check for me to review. All four check where never signed by issuing party and the signature on the back of the checks was not mine.

I have made 9 trips to the bank and I was informed that someone sent in another check for around {$9800.00} while the account was frozen and they accepted it but they have never shown me a copy of the check and this one also bounced and once again the charged me {$20.00} for a return check and {$35.00} for a service charge. 

I received a call from the fraud department and I made them call the head teller to verify that this person worked for the bank. After I talked to this individual he informed me that he was looking into the matter and would get back to me. I have never heard from this person since that call. 

I have been working with the head teller, assistant manager and two financial reps and I was informed that the bank was working on it and I had no worries and they were not going to do anything until the end of XXXX. 

At the end of XXXX, they closed my account and turned it over to a third party to collect the fees the bank charged for the bad checks, even though my account was frozen part of the time and they were warned that the checks were a fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-05 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
ACCT ending in XXXX Around XX/XX/XXXX I had claimed fraudulent transactions on my old XXXX account that was no longer being maintaind actively by me. XXXX falsely concluded that the transactions were not fraudulent and reported " account abuse '' through XXXX without any explanation as to how they concluded the investigation. " XXXX '' from your XXXX XXXX   customer service line called me on XX/XX/XXXX and after a 68 minute phone call the conclusion was " You have to call XXXX XXXX to report the account as fraudulent ( even though it was one year ago and has since been closed ) and you owe XXXX as the charges are not fraudulent. '' The conclusion was incoherent and did not corroborate with the " account abuse '' remark on my XXXX report. 

XXXX was disputed back in XXXX and concluded as valid by XXXX. Again, I submitted multiple pieces of documentation proving that the transactions taking place in the account were fraudulent. 

I have been an excellent customer of XXXX since XXXX and this type of treatment during a time of identity theft is unwarranted.

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 2019-02-05 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: TX

Complaint narrative:
I paid a {$200.00} ( {$200.00} including fee ) deposit with a tattoo artist on XX/XX/XXXX which I ended up cancelling all appointments before any services were rendered. I then proceeded to call capital one to dispute the transaction and was given a temporary credit while they disputed with the vendor. In late XXXX I received a letter from capital one stating that the vendor had replied and that I needed to provide further documentation to support my claim, at this time the charge was also reapplied to my credit card. On XX/XX/XXXX I uploaded the requested documents to capital one 's website ( signed letter giving my statement and emails from when services were cancelled ). Per the letter I was to received a response in 10 business days but it is XX/XX/XXXX and I still can not get an answer. I've called on at least 7 separate occasions and have been placed on 15 + minutes holds to speak with a supervisor or the agents that I've talked to seem to be fumbling around and can not give me a concrete answer. I've also had the call be disconnected about 3 times and have even tried their chat support only to be told that the " secure connection was lost ''. I've been a long time customer with capital one and have never had an issue, I charge upwards of 25k on this credit card in a year and don't feel appreciated as a customer when a simple {$200.00} charge can't be refunded. I plan on taking this matter to the XXXX next if capital one does not sort this matter out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-05 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My Chase Visa was compromised on XX/XX/XXXX and XXXX by an unknown individual. 13 fraudulent charges were issued on my account : XX/XX/XXXX XXXX XXXX  XXXX FL XXXX XXXX  XXXX FL Shopping {$380.00} See details about this transaction XX/XX/XXXX XXXX XXXX  XXXX - XXXX  XXXX  XXXX XXXX  XXXX - XXXX  XXXX  Shopping {$100.00} See details about this transaction XX/XX/XXXX XXXX # XXXX XXXX # XXXX Groceries {$290.00} See details about this transaction XX/XX/XXXX XXXX  XXXX XXXX  XXXX Shopping {$86.00} See details about this transaction XX/XX/XXXX XXXX # XXXX XXXX # XXXX Groceries {$42.00} See details about this transaction XX/XX/XXXX XXXX XXXX XXXX XXXX Shopping {$160.00} See details about this transaction XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shopping {$210.00} See details about this transaction XX/XX/XXXX XXXX XXXX  XXXX   XXXX XXXX  XXXX  Shopping {$500.00} See details about this transaction XX/XX/XXXX XXXX # XXXX XXXX # XXXX Shopping {$95.00} See details about this transaction XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Shopping {$150.00} See details about this transaction XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shopping {$400.00} See details about this transaction XX/XX/XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX Shopping {$190.00} See details about this transaction XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Gas {$35.00} My identity was stolen in late XXXX XXXX of XXXX. When these charges occurred, I had an open police case. I filled out a supplemental police report online and informed the Sheriff 's Office that my Chase Visa had been fraudulently used. 

I immediately disputed the charges with Chase and they were removed. I did not use my Chase Visa at any of the above locations. On XXXX ( XX/XX/XXXX ), I was at XXXX. The day after XXXX I was at the XXXX XXXX. I was with my sister, her husband, my niece, my child, and my husband at the time these fraudulent charges were occurring. I can provide their contact information, if necessary to verify this. 

Around the time these charges occurred, Chase was receiving calls from a person pretending to be me. Chase should have a record of a person calling in from XXXX around the time these charges occurred and attempting to get information about my account Chase removed the charges on XX/XX/XXXX. Then on XX/XX/XXXX Chase reposted all of the charges to my account. I called Chase and they are insisting that I must have made these charges because my card has a chip reader. I did not make any of these charges, but all charges have been reposted to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-05 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: Comerica
State: KY

Complaint narrative:
On Friday XX/XX/2019 at XXXX central standard time I set up a funds transfer with XXXX XXXX to put XXXX into my XXXX XXXX bank account it turned out that it was not allowed to do this unless you done it before no where does it say that I was told I wasn't getting any if my money back and I have contacted the ftc Federal reserve bank and department of Justice us attorney office with that being said I was notified by XXXX XXXX   that I will have all money totaling XXXX back in my card in 5 days from the time the transaction took place

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had XXXX XXXX XXXX internet services at my home office in XXXX. I had no service for a couple of days due to their maintenance issues. This happened twice and I called to get a credit on my bill which they refused. I disconnected my services and returned their equipment. 

XXXX XXXX XXXX forwarded the account to a debt collector and it was subsequently reported to the credit bureaus. I have disputed it multiple times but it keeps cycling between multiple debt collectors and pops back up on my credit reports. 

At this time, two debt collectors are reporting the same XXXX XXXX XXXX account on my credit reports which is negatively affecting my credit. 

XXXX XXXX XXXX should never have billed me for the last month of service since they did not provide the services. Or they should have given me a prorated bill to account for the interruption in service for 4 days. 

If a debt/account on a credit report is disputed and explained once or more, it should not be assigned to one company after another. In my case 2 debt collectors are showing the same account. The companies are : XXXX XXXX XXXX and 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 2019-02-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: NH

Complaint narrative:
Since graduating school I have been on the PAYE plan. I learned recently while I was going through the process for re-certification this year that in 2017, interest was inappropriately capitalized to the principal balance of my loans. I remember in 2017 having issues and spending hours on the phone on multiple occasions in order for them to correct their mistakes. It was my understanding that they had corrected everything, and I've only learned now that they never fixed it. 

XXXX XXXX failed to properly process my re-certification paperwork in 2017. They sent me a letter saying that my plan would revert back to the standard payment plan because I had not submitted the required paperwork and interest would be capitalized. I immediately called them to address the issue because I had mailed all the required paperwork a month earlier. Over the phone, after initially denying receiving my paperwork, they eventually admitted they " found '' my paperwork and agreed to not move back to the standard plan and put me on a forbearance until they could process the paperwork. I did not have to resubmit new paperwork, because in fact they had it. This was their mistake in the first place for not processing it. They assured me interest would not be capitalized. Although I did not want to be put on a forbearance because it meant I was unable to make qualifying payments towards my repayment plan, I decided not to start a fight or anything because it wasn't worth my energy at the time. 

Then a few months later, they failed to process my direct debit payment information properly. After reaching out to them with a question regarding my direct debit, I received another communication that they had approved a forbearance request and would capitalize interest as a result of the general administrative forbearance. I again immediately called for them to fix this and again they agreed they had made a mistake and would not put me on a forbearance or charge me interest. I believe this resolved the issue and that interested had not been charged or capitalized for the second issue. 

I only now learned that in fact they did charge and capitalize the interest on my loans with regards to their initial failure to process my re-certification paperwork. This has resulted in incorrect payment and interest calculations over the last 2 years and will continue to cost me money in long-term as they continue to charge interest on the inappropriately inflated principal balances. 

Unfortunately, the XXXX XXXX online messaging inbox does not allow me to access documents from this time period and they have not provided me copies of any of my account documents, but I have attached the emails I received notifying me of new documents in order to show a timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: MI

Complaint narrative:
The main complaint is on Citibank XXXX XXXX refusal to initiate a chargeback per Visa regulations on a merchant XXXX XXXX XXXX  in XXXX. 1 ) When dispute is initiated under dispute Case # XXXX, many evidences submitted are lost in its computer system. 2 ) When I discovered false claims from XXXX XXXX through a helpful service rep and then reported, there is no follow-up with me from the investigation team. In fact, there is XXXX inquiry with me from XXXX XXXX throughout the dispute. 3 ) When being confronted with conflicted claims in writing from XXXX XXXX, XXXX the supervisor of investigation team refused to consider them. 

Summary of Incident with the merchant XXXX  XXXX XXXX  XXXX : On XX/XX/2018 the car rented from XXXX broke down on a rural highway in XXXX. XXXX XXXX claimed it was an incidental damage and, under this presumption, I paid the damage amount of XXXX {$5600.00} with my XXXX XXXX XXXX ( Attachment 1 ). Later one, after repeated requests, XXXX XXXX found no proof for any accidental damage on the car ( Attachment 2 ). But they refused to refund the charge. 

Citibank claims per supervisor XXXX : XXXX charge you for the damage of the vehicle under my procession. So there is no misrepresentation of the charge. 

My counter-argument : XXXX XXXX made the false claim of the damage due to an incident. Under this claim I paid the damage. Then they admitted in writing that they are unable to find any evidence of incidental damage. Thus under the rental term ( Attachment 3 ), XXXX XXXX should responsible for the damage. They gave me a false claim of incidental damage at the time to trick me into making a payment. This is a classic case of merchant misrepresentation per XXXX chargeback rule. 

More information are available upon request. Since my wife is the primary card holder for Citibank XXXX XXXX, some of the documents are addressed to her name 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