vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX - every time I overdrafted my account on accident or had an auto pay bill come out that overdrew my account, Wells Fargo would charge the offending bill first, then other charges from the same 2 day span and charge me three to four overdraft fees in one go. They would only waive {$140.00} in overdraft fees per year, and I was easily getting {$500.00} or higher in overdrafts per year because of what they were doing. 

These days, they just return the transactions. But nothing was ever resolved from the unjust overdraft fees before. Im a low income, XXXX XXXX single parent with a XXXX XXXX  child. I cant afford the overdraft fees and am still reeling from them. Account is now closed but theyve done it to my current account once or twice too.

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 2023-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Kashia Services
State: CA

Complaint narrative:
This company is XXXX people how need a little help. Ive had payday loans befor but this was ridiculous. The original loan was XXXX. I paid XXXX over XXXX  months and today I paid it off for XXXX. It went up!!! Not down. This company is taking advantage of people. No one can afford this! Why is this even allowed?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I was declined for a short sale when the loan transferred to Selective Porfolio Servicing Inc in XX/XX/XXXX. The company claim the short sale was declined because the buyer did not meet the $ XXXX, the company BPO had as the value. We requested a full interior appraisal this was not completed until XX/XX/XXXX .The amount came back at $ XXXX which met the company standard. The FCL sale date was placed on hold and we submitted another short sale packet on XX/XX/XXXX. The file was reviewed and returned for missing documents on XXXXTthe 3rd party send the missing documents on XX/XX/XXXX. Myself and the 3rd party called once a week and agents told us the file was being reviewed. On XX/XX/XXXX a supervisor apologized and explained they never looked at the file because they did not realize they had the missing documents. This is 2 weeks without reviewing a file. They asked for more missing documents on XX/XX/XXXX we sent the missing documents on XX/XX/XXXX. We sent a updated HUD and HOA, There is a cash buyer and we understand the appraisal will expire if we do not get the file reviewed and approved ASAP. We called again and the agents kept saying the file is being reviewed. On XX/XX/XXXX They claimed they received all documents but it takes 30 days to give a approval. I explained time is of the essence. Due to the fact the appraisal is expiring and every month the HOA bill goes up. NO SHORT SalE takes 30 days to be reviewed if they have all documents. I spoke to a agent today. She said they need a updated HOA again after we sent the company 3 since XXXX They want to order a BPO because the appraisal is expiring. This company want to send me in foreclosure when I have a cash buyer and have been doing what is asked of me. I have spoke to agents from the company once a week you can check the notes. I have emailed the documents several times and the company is not reviewing the documents. Spoke to a agent today she asked for a updated HOA. I explained we sent on XX/XX/XXXX she reviewed it and said she will send to underwriting. The company was sitting on the HOA statement they requested for over a month it is XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: NC

Complaint narrative:
Re : Account ending in XXXX Transaction : XXXX {$1000.00}, XX/XX/XXXX. 


This transaction is for a flight reservation. I tested positive for XXXX before my departure and couldnt travel. The airlines policy allows for a full refund in this case. After many unsuccessful communications with XXXX  and a complaint I filed with the department of transportation that, to date, went unanswered, I opened a dispute with Chase Bank on XX/XX/XXXX On XX/XX/XXXX, I received a 36 pages electronic letter from Chase stating : -We consider the disputed charge valid. We can't confirm that you're due a credit because the merchant has no record of you canceling the request within policy guidelines. 
-On page XX/XX/XXXX ; in the document provided to Chase by XXXX XXXX The merchant stated that I'd been advised to send them a copy of my XXXX report so they can request a refund waiver from the airlines. Please refer to the attached letter, page 6. 
On XX/XX/XXXX, I sent XXXX my positive XXXX report as requested. On XX/XX/XXXXXXXX XXXX then requested another report with a QR code. I sent them this test as requested. However, I never heard back from XXXX and I still didnt receive a refund. A copy of my email conversation with XXXX is attached. 
I called Chase Bank to re-open this dispute. The agent requested that I upload a copy of my email conversation with XXXX. As you can see, the email communication shows that I indeed sent the merchant the requested positive XXXX  test with the QR code. 
On XX/XX/XXXXXXXX I received an electronic letter from Chase Bank stating : We confirmed that the transactions you disputed are valid. While you may have a valid complaint with the merchant, the results of our investigation confirm that the transactions are valid and no billing error occurred on your account. 
Chase Bank violated our card agreement here and didnt handle the case correctly : -The merchant acknowledged to Chase Bank that I'd be receiving a refund waiver upon providing my positive XXXX test. 
-I provided Chase with a copy of my email communication with the merchant showing that Ive provided the positive XXXX test as requested. 
- Chase Bank used the wrong reason code for this dispute. Chase used code 13.7 Canceled Merchandise/Services, while the correct code is 13.6 Credit Not Processed.

-Chase Bank didnt provide any documents showing that Im not owed a refund. The merchant must be contacted again to challenge the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have made several attempts to have this debt removed by disputing it from the credit bureaus ( credit karma ). Back in XXXX, I obtained a XXXX credit card. I paid the bill according. In XXXX, a tv was purchased in XXXX, IA. I paid the monthly bill according. I reached out to the company back in XXXX, regarding an erroneous item placed on my account. The company assured me they would repair this. I continued to make payments. I continued to write to have this removed. Back in XXXX, I was told XXXXXXXX is no-longer an account holder. In XXXX, I was sent an old statement from Portfolio Recovery Associates , LLC claiming I still have a balance. I wrote the company asking for the original account statements to show me the exact items purchased. They sent me statements dated from XXXX and XXXX, both which are incorrect. As I previously mentioned, the last purchased item was made in XX/XX/XXXX. 
I need your assistance to have the account permanently removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
on XXXX XXXX XXXX  XXXXXXXX XXXX add a derogatory mark on my credit report per XXXX XXXX XXXXd Experian. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX  and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate on a new car. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account 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 non-monetary relief
Consumer complaint received 2023-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX. I identified discrepancy with personal information listed under TRANSUNION and validation was requested as this was personal information that I did not recognize. I reviewed my credit report and I have not received any correspondence from credit bureaus to validate this personal information as correctly belong to me nor has my credit report been updated to reflect that the credit report is disputed and therefore a 2nd validation letter was sent on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates. The credit report continues to negatively affect me. Please strike and remove this address, phone number and employment from all 3 credit bureaus until adequate validation has been received proving that the personal information belongs to me and all information is correct.

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 2023-04-03 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:
Ive reviewed my credit report and noticed the following inaccurate item ( s ) : Inaccurate Reporting- I have notice multiple addresses on my credit report that are incorrect like the following ( XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX Address ID # XXXX ) ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX NY, XXXX XXXX ID # XXXX ) ( XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NY, XXXX Address ID XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Address ID # XXXX XXXX ( XXXX XXXX XXXX # XXXX XXXX NY, XXXX Address ID # XXXX XXXX All of the addresses listed above are spell incorrectly and missing information. I am requesting that any and all addresses that do not match the information on my state issued ID be removed from my credit report to ensure maximum accuracy of my report. Thank you. A copy of my photo ID and a insurance document have also been attached to this dispute to be used for verification purposes.

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 2023-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Home Depot purchase washer and dryer on XX/XX/XXXX NO interest for 12 months ending XX/XX/XXXX. Faithfully made monthly payments and remitted final payment of {$300.00} toward promo balance due of {$210.00}, remaining XXXX to second promo beginning XX/XX/XXXX for water heater purchase {$1500.00}. 

Eagerly awaited next bill to record this transaction paid in full and to my dismay was charged {$230.00} interest!! 

Immediately contacted Home DepoXXXX and was told that because of the way payment had been allocated there was no way to correct. Not understanding what had happened, I was very confused and upset. Asked to speak to supervisor 's boss who was not available and was given a message to call me. Never did hear back so attempted to resolve by calling on XX/XX/XXXX and was again told that this was not THEIR mistake and ; therefore, couldn't be fixed. 

I am a senior citizen on a fixed income yet offered to pay entire second promotional balance in full. I understand that is not satisfactory without paying adjusted interest? 

Today, I have submitted a payment for {$1400.00} less interest charges. 

Note after submitting this payment, I check payment activity and a screen popped up with " allocation '' information. It is extremely confusing and easily misunderstood. After reviewing, it would seem the account holder is directing Home Depot to make additional payments to other promo balances and why would that be necessary? I would appreciate your thoughts. I believe the rest of the consumer public needs to be made aware. ( Unfortunately, could not locate this again to attach for your own review ) Thank you.

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 2023-04-03 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: LEXISNEXIS
State: GA

Complaint narrative:
see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
When you use ur debit card, ach withdrawals or withdrawals even deposits they arrange the transactions causing you overdraft the account and charge a fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I deposited 2 cashier 's checks of US {$20000.00} each on XX/XX/XXXX  into a checking account with Bank of America. On XX/XX/, Bank of America closed my account without explaining the reasoning and illegally withheld and kept the funds from this account ( a total of US {$40000.00} ). They claim that they do not have the funds, however, the funds deposited were from cashier 's checks which they already cashed. They cashed the checks on XX/XX/2022 and the funds were already transferred to my Bank of America account. On XX/XX/2022, Bank of America withdrew the {$40000.00} from my account and closed the account. 

I went back the Bank of America branch where I made the deposit and have spoken to the account manager and branch manager, XXXX XXXX. I was told that " the back office decided to start an investigation '' and that he no longer has any access to the account or what the back office is doing. He stated that he knows I am a longtime client of Bank of America and is aware that I have other accounts at their bank, however, once its in the back office, there is nothing he can do. He said he no longer has access to the account. He advised me to call Bank of America directly which I did, but never got any explanations or direct answers. I have continued to contact Bank of America numerous times and all they tell me is that I have to wait until the investigation is over, but they don't provide any estimate or details. I asked if there was any information that I can provide to help with their investigation, but she said there is nothing. Its been a year and I still have not heard back from Bank of America and my funds have still not been returned to me. They have never provided me with any details or court orders with regards to where they are holding my funds. 

I have received confirmation from the bank where the cashier 's checks originated from, and they have provided the swift routing details showing that the cashier 's checks were cashed and funds were transferred to Bank of America. However, Bank of America denies that they are holding my funds.

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 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have a Alaska visa credit card thru bank of America. I had this card since last Year. I made the 1st payment in full which was {$2300.00} and I thought I set up Auto pay to make the next payment but the Auto pay wasn't set up correctly. When I found out that my account was past due I right away called the bank and ask him to give a payoff the account. The customer service said because my account was past due they have blocked the card. I told her that was ok but I need the payoff. She kept me on hold for about a minute and came back and said if you want to payoff the account it's {$210.00} dollars. I made the payment right away. Yesterday I went to my bank of America account to check my balance and saw the credit card was past due. I called today to talk to customer service to see why my account was passed due. She said the customer service gave me the wrong payoff so I had to pay all the late fees, interest and additional {$150.00}. I told her I will not pay that because I was given a wrong payoff and also ruined my credit because they have reported on my credit. She refused to help me and took no accountability for what they have done and hang up the phone on me. I need help because the bank is not welling to work with 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 2023-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
1st let me say that my payments are 2 months ahead of schedule. The issue is how OneMain Financial applies my unemployment insurance payment, that I purchased through their company to cover me just in case I was unemployed or XXXX.They apply the payment to benefit ONEMAIN If there are payments received over a 30 day period, let 's say 38 days because I may have gone over 40 to file claim for payment. ONEMAIN will apply the 30 days as a payment and the additional 8 days as interest. Each time there is an overage they would take any overages to benefit ONEMAIN not to reduce my principal thereby reducing my daily interest. There is a partial payment made and a full payment both benefiting ONEMAIN not me It is my payment as I purchased tne coverage O should have a say whete the over payment is applied and I SAY APPLY IT TO MY PRINCIPAL SO MY DAILY INTEREST WILL DECREASED NOT TAKE MY PAYMENT and apply to interest

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: IA

Complaint narrative:
I reviewed my Credit report and discovered an account in collections. I only found this because I received a notice from a different debt collector for the exact amount of money. as the debt on my credit report. I had previously disputed this with 2 of the Credit Bureaus and had not been informed of the results. I was not provided with verification of how this process was completed. or given any of the information related to the unknown debt other than the debt collectors name. I attempted to file a second dispute on-line and was not allowed to do so. If i don't get the needed results by filing this complaint I may have to file a complaint on the Credit Bureau for denying me the right to dispute and not following up on my request to send documentation of the investigation to me..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: MD

Complaint narrative:
I disputed a transaction for a service that I never received for {$2400.00}. On top of this charge, the dog training company charged us a {$370.00} cancellation fee even though the cancellation was out of our hands. These charges were posted on XX/XX/22. Although I spoke to multiple employees, I received a letter in the email saying that the dispute was unsuccessful because the trainer put that we were going to use her services in the future and wanted to reschedule. After continuously trying to reschedule and not being able to get in contact with the trainer, I reached back out to see why the dispute was denied. I was told to send more information in explaining what happened and to write a letter saying that I never received the services. 2 different people told me this. I then received notification that the employees were incorrect and the matter couldn't be reopened.

Company response to consumer: Closed with monetary relief