vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-19 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: PA

Complaint narrative:
I file this against XXXX XXXX debit relia card .on XX/XX/XXXX i did not get my money when i went into the XXXX XXXX to make a cash withdraw with the XXXX XXXX debit relia card XXXX XXXX XXXX XXXX valid thru XX/XX/XXXX security code XXXX of {XXXX}. i please ask for it be refunded on to my card.i file this complaint againt XXXX XXXX debit relia card company. There cameras in that it will show i did not get my money. I ask for a refund

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 2021-11-19 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: HI

Complaint narrative:
I tried to purchase pet food using my Barclays XXXX XXXX credit card from a local company on XX/XX/XXXX this year. The merchant said that it did not go through, so I said to try again. It still did not go through so I did not make the purchase, bought a smaller amount with cash. 
I noticed two days later that there were two pending charges for {$85.00} each from that merchant ( XXXX XXXX XXXX. ) At that time I wrote a message to the credit card company to inform them the purchase was wrong. They replied that it must first go through and then to file a dispute. 
I did file two dispute inquiries and also went to XXXX XXXX XXXX to speak to the owner. 
She had no record of the two transactions since they did not go through. 
I spoke to the credit card company and later received two letters.

One stated that I had no paperwork to back up my account of this, which is true since the purchase was not made. The second said that I had waited too long to dispute it. 
I take issue with both of these replies since I did initiate communication with them Immediately and I can't prove that I didn't pay for something since there is no receipt. 
I have been charged {$170.00} for items I did not purchase and the credit card refuses to credit this back to 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 2021-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I refinanced my auto loan with another company and paid off my loan with Ally in full. There was an overpayment of {$1800.00} and was told a check would be issued back to me. 

Ally indicated my account was paid in full on XX/XX/XXXX and a check was issued back to me on the XXXX for the overpaid balance ( approx {$1800.00}. ) On Tuesday ( XX/XX/XXXX ) I contacted Ally to ensure I had no misunderstanding and that the check was in the mail ( before making another financial commitment ). The rep assured me it was in the mail and to give it XXXX more days. So I did. ( Note, Ally indicates they have a transcript of this chat, however when I asked for it today they refused to provide me with a copy. ) Today ( XX/XX/XXXX ) no check, so I got in contact with Ally again to confirm the address they sent it to. At this time an agent comes back and tells me the check was never issued and it could be another XXXX days before they issue the check. I went round and round and he said he requested my check to be expedited but it was up to the refund team, so I'm confident he was just trying to put me off. I am concerned they are stealing my money or I'm being swindled.

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 2021-11-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Original Complaint : Citibank suddenly suspended my account. I have no issue with it. But the problem is my remaining balance. They said they would deliver an account closing letter for me but I never received it. I only got an email that they sent me an e-letter to my Citibank app, but since they had closed my account, I can not log in to the Citibank app anymore, so there is no way for me to check the account closing letter. I called the XXXX many times but all of them can not fix the problem, even can not give me a clear solution where or how to collect my remaining balance in the account. Before there was a CS told me that I could collect the balance in any branch, but when I went there, I was told that they still have to wait for the XXXX department to decide. Such poor internal communication and Wasted my time. Please be professional and send me the remaining balance by bank cheque ASAP. Thanks. 

I also submitted the above complaint via XXXX on XX/XX/2021 ( Ref no : XXXX ). I got a reply from Citi bank on XX/XX/XXXX via XXXX, within that letter CitiBank mentioned : 'If we close your account, we will send you a check for your final balance '', and also said that they need XXXX business days to process it. 

Well, more half-year has passed. I still haven't received any check for my remaining balance. I called the CS a week ago but was told : 'Sorry we just returned all your remaining balance to the original payer '! 

I am so shocked. How can a bank just remove my legal assets without any advanced explanation or investigation? How can we trust the bank then? 
Even if it has any recall from anyone, at least the bank should let me know which payment has a problem, so that I can contact the payer to explain or provide the related evidence.

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 2021-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
on XX/XX/21 at about XXXX, I used my visa prepaid card to purchase {$25.00} of gas at XXXX XXXX gas station, but only received about {$14.00} worth of gas, I asked XXXX XXXX staff member for the difference back, and she said the difference ( {$10.00} ) will go back onto my card, but it did not. 

On about XX/XX/21 I called Blackhawk Network who manages the prepaid Visa gift card and told them the issue. 

On XX/XX/21 I submitted an overcharged dispute form to Blackhawk Network via email and other supporting documentation. They are currently repeatedly asking for the same supporting documentation or they will close my claim soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
Im a member of Chime banking. I have their app which I use often and they are a scam now with atm fees by having a in network atm and out of nowhere changing it with no warning and adding a fee for out of network. There has to be regulation for that or anyone can do it and set people up for a large amount of fees. There should be a law requiring they update changes so people do not use what is once a in network atm and avoid fees. They changed it out of nowhere and I got a fee they refuse to do anything with. Its their fault they fail to notify people of changes and it was one I used often and not even weeks from when a charge was applied. Unexpectedly changing in network atms is not acceptable and is a scheme that must be addressed. Otherwise I and others can open processors like them and get away with wracking up the same kinds of fees changing it out of nowhere in people. Something better be done about their scheme. It is unacceptable and will not be tolerated stealing money like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: Figure Technologies, Inc
State: MA

Complaint narrative:
I was approached by XXXX Customer Service with a link to apply for personal loans of {$25000.00} of 8.693 % APR with a monthly payment of {$510.00} for 60 months with Figure Technologies. Figure Technologies charged a {$750.00} non-refundable origination fee for a five-year {$25000.00} personal loan. On the website of www.figure.com, the APR interest rate is stated as 8.08 % while the loan statement is stated as 9.34 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: DISCOVER BANK
State: MA

Complaint narrative:
Discover Card is treating me horrible and discriminating against me because I have a XXXX  XXXX and making me pay for charges that are not mine. Someone changed my account information as well and Discover is blaming me for it. I don't appreciate being treated unfairly due to my XXXX and having to pay an amount that I can't afford and I'm not paying it Any longer I didn't charge up over XXXX XXXX dollars. Discover needs to be held responsible for their actions and stop treating me different do to my XXXX it's against the law and not allowed. They need to clear these charges before I file a report for discrimination. Discover should refund me the XXXX that some fake employee stole from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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:
My name is XXXX XXXX XXXX and I am filing this complaint against Capital One on my own behalf, as a Natural Person and Federally Protected Consumer, without any connection or involvement with a third party. On XX/XX/2021, I submitted a validation of debt letter asking Capital One to provide the following information within XXXX days : * The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period I informed them that if they were unable to provide the above information within the XXXX  day period then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action and consider them in breach of the Fair Reporting Credit Act ( F.C.R.A. ) and the F.D.C.P.A.. I have attached the letter I sent ( exhibit A ) with the certified mail receipt ( exhibit B ) confirming they did receive my letter. 

I also filed an identity theft report that is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Good Afternoon, I'm contacting you in reference to issues with my account # XXXX with PNC Bank.I have continuosly reached out to PNC bank concerning a XX/XX/XXXX late payment showing on my XXXX and XXXX credit report. I initially had bewn in contact with XXXX XXXX in executive client relations on XXXX XXXX XXXX corrected other issues with my account, but never removed the XX/XX/XXXX late payment.I reached out to CEO XXXX XXXX via email on XX/XX/XXXX whom referred me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX emailed me on XX/XX/XXXX and assured me she would look into the issue further. I asked for a detailed payment history and XXXX XXXX XXXX sent me a payment history with no dates or reference to payments.I emailed XXXX XXXX XXXX on XXXX XXXX informing her that the payment history she sent me showed no XX/XX/XXXX late payment and asked her to remove it. I received no response from XXXX. I emailed CEO XXXX XXXX on XX/XX/XXXX and forwarded the e-mail between XXXX XXXX and myself.I also sent a certified letter with return receipt to CEO XXXX XXXXPNC Bank hasn't updated my account on my credit report since XX/XX/XXXX. I can not get anyone from PNC Bank to resolve this issue on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
Our mortgage was denied on or about XX/XX/2021 after receiving conditional approval on XX/XX/2021. After applying for the loan the processor advised us that the loan we are refinancing had to be removed from forbearance. I took the mortgage out of forbearance and made the first three monthly payments. The forbearance was due to the pandemic. We lost one income and were uncertain about what the future would hold. Both of our credit scores are 800 plus. Our debt to income ratio was less than 30 %. We had sourced and seasoned cash reserves deposited in the institution. The Loan to XXXX was going to be in the area of 60 %. The lender led us to believe they would complete the refinance. We locked our loan rate and followed their instructions. We did not shop another lender or lock the rate with another lender. On XX/XX/2021 I received an email from the processor that our loan had been denied by the underwriter. At this point I do not know the reason why because I have not received an adverse action letter from the lender. However I believe the lender is treating forbearance as foreclosure or bankruptcy. I'm sure that was not the intention congress had when implementing the CARES Act and extending forbearance to homeowners that had lost a job due to the pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: One Source Technology
State: MD

Complaint narrative:
There are 2 criminal reports, both listed as misdemeanors, however, they are not representative of any activity that I was involved in. 

1 ) Case # XXXX, File Date : XX/XX/XXXX, XXXX Date : XX/XX/XXXX. This is from XXXX XXXX, MD XXXX ) Case # XXXX, File Date : XX/XX/XXXX, Disposition Date : XX/XX/XXXX. This is from XXXX XXXX, MD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background
State: KY

Complaint narrative:
I applied for a XXXX XXXX position with XXXX XXXX back in XXXX. In the onboarding process, I submitted a background check to Accurate at that time. I did not realize until Friday, XXXX when I received a call from Virginia with XXXX XXXX that I had something appearing on my background check and that I should check my email to see what the report provided from Accurate. I checked my email and there was another woman 's criminal information showing on my background who lived in XXXX, VA. In the remarks on the report it stated " verified by close name and close date of birth match. '' I have never lived in XXXX, VA ; nor done these crimes. My middle initial has never been M. I am not this person and she is not me.I reached back out to Accurate and filed a dispute on Monday, XXXX XXXX. I received a denial letter of employment because of this from Accurate on behalf of XXXX XXXX. I filed another dispute today, XXXX XXXX. I need to get this corrected and have this person 's information removed as soon as possible. Please let me know what I can provide or do to have this wrong and inaccurate information removed from my background check. This is not only affecting my employment with XXXX XXXX, but also XXXX where the background check with Accurate is currently pending.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: NJ

Complaint narrative:
My car insurance company informed me that it will add an additional driver to my car insurance. They insist that LexisNexis reported to them that there is a new member of our household. There is none and there never was such a person. It is just myself and my wife ( both retired ) sharing XXXX car and residing alone at this address for XXXX years. After several days of back and forth with my insurance agent I was advised to deal with LexisNexis directly. How do I prove a non-existence of someone, he did not know. 
I can send you all the supporting information in the PDF form if you provide e-mail address to send it to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. They failed to comply with air XXXX XXXX XXXX, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
CAPITAL ONE BANK USA - ****** Opened Date XX/XX/2008 Balance {$3200.00} CAPITAL ONE BANK USA N XXXX XXXX Opened Date XX/XX/2008 Balance {$3200.00} CAPITAL ONE - ****** Opened Date XX/XX/2008 Balance {$3200.00}

Company response to consumer: Closed with explanation