vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I got an un-authorized charge in the amount of {$620.00} from XXXX XXXX XXXX on my Costco Anywhere Visa Card by Citi on XX/XX/XXXX. I contacted Citi Card on XX/XX/XXXX and also filed the dispute online regarding the un-authorized charge. When I checked my Citi Card online statement and didnt see the charge removed. I called Citi again on XX/XX/XXXX. The rep on the phone told me that he was not sure but noted it again to have the charge investigated and removed. 

The charge was never removed so I called Citi again on XX/XX/XXXX and again was told it would be taken care off. Today XX/XX/XXXX, I got a letter from Citi that they tried to reach out to me but did not receive information needed and I will have to pay the amount. Otherwise they will report my account to consumer reporting agencies. I have a loyal customer with Citi for many years, since XXXX. I dont feel this is how they should treat any of their customers. 

Thank you in advance for your help.

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 2020-05-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo accepted my application for Paycheck Protection Plan, after months of waiting, I finally received an email asking me to take a lessor amount for my original amount may not be approved, weeks later I receive an email to electronically sign my Promissory Note for the original amount requested. Nevertheless, 24 hours later I got a wire transfer into my account for less than I had signed the promissory note for, I call customer service and was transferred around for about an hour of waiting on each transfer to talk to a different person. I was finally told to file a complaint with customer care and was transfer, the individual took my statement and said he'd get back to me within 48 hours with a solution to my shortage of money problem. I waited for 4 days and called customer care again and this time it got escalated to upper management with yet no answer for why I was shorted, so again I got transferred to XXXX in Customer Care, whom took my complaint, but went the extra mile to get XXXX from the lending department on the phone. XXXX was passive and said you got what you agreed to referring to the email I had gotten several weeks before the promissory note. He asked for 48 hours to get directions on how to cancel my promissory note without fulling the obligation owed to me via my signed Promissory Note from Wells Fargo that had XXXX Managers signature on it.

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 2020-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have an credit with XXXX XXXX bank which has been charged off. Because I am having hardship I am now receiving help from a company which helps consolidate my debt. They have been making the agreed payments on time each month however it is still being reported that I am delinquent every month which is affecting my credit score. I was told by a representative when I called XXXX credit card department that I have to pay my full balance in order for them to stop reporting to the credit bureau that I am delinquent. This is wrong if I expressed that I am having a financial hardship and the program which is helping me is making timely payments. This is a form of bullying in order to get me to pay the full balance which I am not financially able to pay at this time.

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 2020-05-30 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: FL

Complaint narrative:
I pulled a copy of my credit report and notice information from XXXX XXXX XXXX on my credit report that should not be there. I reached out to the credit bureaus to do an investigation XX/XX/2019 ( please see attach letter entitled bureau investigation ' ) and the bureaus respondedXXXX stating that XXXX XXXX XXXX verified the information as reporting correctly. ( please see attach response from the bureaus entitled 'bureaus initial response ' ) I then reached out to XXXX XXXX XXXX directly XX/XX/2019 after I received that letter from the credit bureaus. ( please see attach letter entitled '1st letter sent ' ). To date we still have not receive a response from XXXX XXXX XXXX and we know they receive the correspondence sent ( please see attach signed green return receipt ).

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 2020-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I pulled a copy of my credit report and notice information from XXXX XXXX XXXX on my credit report that should not be there. I reached out to the credit bureaus to do an investigation XX/XX/2019 ( please see attach letter entitled bureau investigation ' ) and the bureaus respondedXXXX stating that XXXX XXXX XXXX verified the information as reporting correctly. ( please see attach response from the bureaus entitled 'bureaus initial response ' ) I then reached out to XXXX XXXX XXXX XXXX XX/XX/2019 after I received that letter from the credit bureaus. ( please see attach letter entitled '1st letter sent ' ). To date we still have not receive a response from XXXX XXXX XXXX and we know they receive the correspondence sent ( please see attach signed green return receipt ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: FL

Complaint narrative:
I pulled a copy of my credit report and notice information from XXXX XXXX XXXX on my credit report that should not be there. I reached out to the credit bureaus to do an investigation XX/XX/2019 ( please see attach letter entitled bureau investigation ' ) and the bureaus respondedXXXX stating that XXXX XXXX XXXX verified the information as reporting correctly. ( please see attach response from the bureaus entitled 'bureaus initial response ' ) I then reached out to XXXX XXXX XXXX XXXX XX/XX/2019 after I received that letter from the credit bureaus. ( please see attach letter entitled '1st letter sent ' ). To date we still have not receive a response from XXXX XXXX XXXX and we know they receive the correspondence sent ( please see attach signed green return receipt ).

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 2020-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Bank is attempting to force me into an overdraft situation by charging me fees but not allowing me to deposit or withdraw to account. 

Bank is violating Truth in Savings Act by not allowing access to statements. 

Bank took over {$200.00} in fees and provided no services.

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 2020-05-30 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Several months ago I purchased XXXX pairs of shoes, online, from XXXX XXXX. When the shoes were delivered they were the wrong size. XXXX XXXX accepted the return and issued me XXXX refunds in the amounts of {$85.00} for the XXXX pairs of shoes back to my Paypal credit account. On XX/XX/XXXX XXXX reversed the credits and this resulted in a deficit to my account in the amount of {$160.00}. Why XXXX reversed these XXXX refunds I don't know. Tying to contact XXXX has been impossible. I need my credit of {$160.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Everytime I file a dispute with Equifax they send me the attached letter l. Saying they can't locate my file to keep from investigating my dispute so I'm attaching the letter they sent me along with a page from my tax return with my Social and a check stub if Equifax persists in breaking the law I will be forced to file a complaint in Federal Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: NC

Complaint narrative:
The credit reporting agency is mixing up mortgage loan with the credit card limit and showing the debt to credit ratio of 289 %, whereas the mortgage of {$420000.00} ( refinanced on XX/XX/2020 ) owed to XXXX XXXX is on a house that was recently appraised at $ XXXX. We owe a total of about $ XXXX on three credit cards with a total credit limit of $ XXXX as follows : XXXX XXXX - Credit Limit $ XXXX, balance {$0.00} ; XXXX XXXX XXXX limit $ XXXX balance {$0.00} dollars. XXXX XXXX XXXX credit limit $ XXXX, balance $ XXXX. Attached is the Experian 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 2020-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I can not link my bank account with XXXX to connect to the XXXX XXXX XXXX. I need this app to help me manage withdrawing the proper amount of money for taxes from my paycheck, as I am an independent XXXX. This is quite frustrating, as I already went through this once linking to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
A brief history : * We closed out our loan with PHH Mortgage on XX/XX/2020. 
* We waited the 30 days or so for the escrow check to be processed. 
*First call to check on check status in early XXXX, told it was in the mail as of XX/XX/XXXX ; was asked by agent to please wait a few more days. I waited ~5 days, but did not receive check **Meanwhile, I did receive several other pieces of mail from PHH dated later than XX/XX/XXXX ( e.g. final escrow analysis ). Find out in later conversations that the escrow department has been sending checks to my street address but in XXXX XXXX not XXXX XXXX where I live. 
*I called again the next week XX/XX/XXXX, this time the call escalated to Mr. XXXX . He  said they would send a check. A XXXX arrived the XX/XX/XXXX with a check!! I then deposited that check only to find out a few days later that the funds were rejected by the PHH 's  bank, since the check I was sent had a stop payment placed on it. 
**My bank charged me {$12.00} returned item chargeback fee for the trouble *I call back again, XX/XX/XXXX to XXXX. Find out that PHH cut another check XX/XX/XXXX and then sent that check to my street address, but again XXXX XXXX, and they " will escalate '', with no promise on timeline Called yesterday XX/XX/XXXX for a status update, nothing back Called again today, XX/XX/XXXX for status update, again no progress

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank closed all my accounts without notice. I had over {$2300.00} in cash back on my Double Cash card at time of closing. Phone rep told me there is nothing I can do. Rep stated that I lose my cash and points because of the closure. It seems wrong that the bank would close my account and take back my cash back balance. I am seeking {$2700.00} for this account which includes activity that would have posted to my cash back.

Double Cash Balance as of XX/XX/20 XXXX XXXX Activity Purchases XXXX Payments XXXX Pending payments 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 2020-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I just started sending money regularly to my nephew in XXXX. I have sent small amounts but each time I have to log in to my PNC bank account and I can't get the connection between PNC and XXXX established permanently. The 3 previously amounts sent finally were accepted, but now PNC is not letting me do the transfer. I would not want to have to change banks after so many years with PNC but I need to get the problem fixed. I have no other problems with online banking payments. It would be a lot of trouble for me to change banks, but I don't know what choice I have. XXXX says they don't have problems with other banks. 
What can I do??? Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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 — Problem with personal statement of dispute
Company: Volvo Car Financial Services U.S., LLC
State: FL

Complaint narrative:
I had an existing lease with Volvo that was financed through Volvo Car Financial Services. Before the lease was up I was repeatedly contacted to turn the car in early to participate in a " XXXX XXXX XXXX '' where I would be bought out of the lease and get a new Volvo to lease. As part of that program, it was sold to me that it did not matter what damage there was to the vehicle or if we were over the miles. In XX/XX/XXXX we opted into that program and turned in a XXXX Volvo and leased a XXXX Volvo. I left the XXXX at the dealership and left in the XXXX. I was told we were all set and there was nothing left to do with the XXXX Volvo. Subsequently, I was contacted by Volvo Car Financial Services and told that I owned them {$160.00} for a scratch on the car. I told them that I participated in their Pull Ahead Program and that I was advised we were not responsible for that damage. They told me to discuss it with the dealer, so I did and was again told the same thing ; that I was not responsible for the {$160.00}, so we didn't pay it. I even have a letter from them attesting to this. Fast forward to XX/XX/XXXX and all of a sudden my credit score drops 120 points because Volvo Car Financial Services " Charged off '' the expense maintaining that it was bad debt I owed and they could not collect. I have spoken numerous times to the dealer and Volvo Car Financial Services and they just point the finger at the other party saying that its their fault. Meanwhile, I am left in the middle with a reduced credit score and getting turned down for loans to refinance my house, etc. I have disputed this reporting for over 3 months now and written various letters. I keep getting the same answer from Volvo Car Financial Services that " I got a raw deal '' but they won't change the reporting even though their dealer told me I was not to pay a debt because of their program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This has sconed complaint against XXXX and capital one to removed unauthorized hard inquires this a copy of letter i will attachment XX/XX/XXXX Capital One Case : XXXX CFPB Case : XXXX Dear XXXX XXXX, Im reaching out to you about the concern you submitted to the Consumer Financial Protection Bureau XXXX CFPB XXXX, regarding hard inquiries you said are showing on your credit file. 
On XX/XX/XXXX, we sent a request to the Consumer Reporting Agencies ( CRAs ), asking them to remove the hard inquiries dated XX/XX/XXXX, and XX/XX/XXXX. The CRAs will determine how this is reflected in your credit file. If theyre unable to remove the inquiry completely, they XXXX change it to a soft inquiry. Soft inquiries do not have any impact on your XXXX XXXX. It XXXX take the agencies up to 60 days to update their records. 
You also mentioned in your correspondence that there was an inquiry from XXXX XXXX Bank on your credit file that you did not authorize. Please reach out to them directly regarding that matter. 
Furthermore, you stated you have contacted the CRAs to report your concerns about identify theft. I am glad you have taken that step. For more information regarding identity theft protection, please visit our website at www.capitalone.com/financial-education/identity-fraud. 
If you have questions or concerns about this account, please call us at XXXX. Our Customer Service XXXX are available XXXX hours a day, 7 days a week. 
Sincerely, XXXX XXXX, on behalf of Capital One

Company response to consumer: Closed with explanation