vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a credit card and SBA and was declined for negative credit history. I discovered a Capital One credit card account was opened in my name fraudulently in 2018 and I began the process to dispute the account. I received a letter from Capital One stating the credit account was verified as valued due to a matching former address. Capital One never looked into the cellphone number, the original information used to open the account, the police report filed, and the payment source used to make payments to find the person behind the account. Capital One told me to ask for a letter from the Post Office to verify I did not live there in 2018 and then refused to research the other information they had on the account. Capital One also asked me to confront the accused party of fraud, which is not lawful and ethical. Capital One refuses to act on this fraud case and has maintained I am responsible for a debt I did not create. It is impeding my ability to obtain credit or move further professionally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15 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: IL

Complaint narrative:
I pay my balances on my 5 credit cards every month. So my XXXX credit card reported my balance down to {$0.00}. Which on today that {$5.00} that was paid off showed a XXXX. Then Experian reduced my credit score down 16 points. I called them and they said that they did not see any negative items on my report and don't now why my credit score dropped 16points. And my statement to them is I don't know why either. All I got from this is they can do whatever they want and sit back and take it. I'm very disturbed by what just took place. here is my information. XXXX. XXXX XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX IL XXXX. They keep also lying to me about my name being corrected. I just see XXXX XXXX XXXX. And it need to say XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-06-15 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: CA

Complaint narrative:
I have an account with XXXX. 

I fell behind on this account. The company called me at work and at home. They harrassed me. I asked them finally to stop calling. 

I resumed paying this account in XXXX. I have made payments in XXXX and XXXX. 

In XXXX, I called the company. I spoke to a representative in the credit department at the company. I apologized for my loan being late. I told her that I was making regular payments. I asked the person if my credit report would be updated.. The person thanked me, said that she understood, and informed me that my report would be updated by the company to reflect the payments coming in. 

Instead, the company charged my loan off as a bad debt. I made another payment in XXXX and noticed no update to my report, until a review by me indentified the charge off. 

The company 's credit department refused to work with me. The explained that changing the report would be " dishonest '' even though I called them and started making payment again before the charge off. 

This is very bad business practice. I am asking for the company to change my report back to show that this account was behind, and that I am now making payments. The " charge-off '' should be removed from my credit report. As it stands, the only way I can rectify this matter now is to pay the loan in full which will cause me significant hardship. 

What is troubling is that I received two different responses. I was never told by the company when I phoned in XXXX that my debt would be charged off. I was thanked for resuming payments and for wanting to work this loan out. Now, when I call again, I am told something completely different. I accept responsibility for this. I made an attempt to resolve. That attempt was received. The company arbitrarily changed its stance and has taken a position now that has done me harm. 

I continue to make monthly payments to XXXX. My next payment is on XX/XX/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 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
CAPITALONE REFUSED TO CANCEL A LOST CABELAS  CREDIT CARD ON XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am reporting a dispute with the Bank of America. I have just discovered the root of charges on my credit card that I did not recognize. 
I was offered merchandise as a sample through Bank of America. This merchandise was " free '' and I was being sent it because I was a good, loyal customer, and it was a customer reward. I kept receiving merchandise that I thought was " complimentary ''. Then I received charges on my credit card for {$4.00}, {$5.00}, {$94.00}, {$92.00}, {$94.00}, {$92.00}, {$94.00} and {$92.00}. I was billed through a company called " total solution muscle '' and " healthy revision diet '' from XXXX  XXXX, XXXX. I filed a dispute regarding these charges and I filed a police report not realizing that the merchandise they were sending me was from this company. The merchandise had nothing to do with building muscles or dieting!! 
I never received anything from the merchant stating that I could call to cancel this " subscription ''. I did not know that there was a subscription. I did not know that I was being exorbitantly billed for this merchandise. I thought it was " free. '' I have been misled and deceived. Now I am being expected to pay {$280.00} to this " merchant. '' For an item that I was receiving through a Bank of America scam. Bank of America refused to honor my first " claim '' and I contacted the merchant, ( BOA provided the phone number to me, after they searched for it and found it, and this took awhile ... ). and they told me that they were a " third party '' and that their company did not have a name, but that it was for " face serum ''. I offered to return the product and they did not want me to send it back. When I did contact the merchant, I realized that I have been duped! I tried to contact Bank of America, and reported this to their fraud department. Bank of America is in league with a company that is abusing clients!

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 2020-06-15 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-15 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have a Citi Advantage credit card that I barely used over the last year. I was charged a {$50.00} membership fee and was unaware due to the fact that I barely use the card and didnt see the email with the membership fee charge on time. I got an email in XXXX regarding a late payment and called up and paid the membership fee immediately on XX/XX/20. The due date was XX/XX/20. I was aware it was late and requested to speak to a representative so I could square away my fee and close the account which I did. Apparently I got an email in XXXX, XXXX and XXXX regarding a late fee and accrued interest fees that were piling up but due to Covid pandemic I was not on top of my emails starting in XXXX. I got XXXX  with XXXX  at the end of XXXX and recovered in XXXX and then gave XXXX  early XXXX. Due to these circumstances I was not on top of my emails. In XXXX I looked back at my emails and noticed that Citi bank was sending me notifications of a late fee and interest accruing on the late fee. I was confused because I was certain that I had closed that account in XXXX and squared away my balance. When I called to speak to the representatives at Citi credit card company, I was bounced around to different departments and was told that the late fee only was charged at the next closing cycle of my account and that I should have checked my account even after I closed it and was under the impression that I had cleared my balance. This was very upsetting to me because Im a responsible credit card holder, I pay my bills on time and have outstanding credit ratings will all my cards. I asked as a courtesy if they could waive the late fee and interest possibly because I felt that I shouldve been notified at the closing of my account that there would be a late fee charged on the coming month cycle despite my closure. I was not notified of this and was lead to believe that my account was closed and paid up. They refused to acquiesce and insisted I need to pay the amount due. I spoke with a supervisor and was told the same thing. I dont feel that i should be responsible for all the accrued interest and additional late fees that would were charged after the closure of my card.

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 2020-06-15 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: AR

Complaint narrative:
My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Suntrust bank instead of waiving and nsf fee as requested provided temporary relief and then charged the fees 30 days later. This was not explained on the phone at the time but was outlined in a letter sent out 2 weeks after the discussion. On XX/XX/2020 they charged by checking account XXXX. I was on hold for 45 minutes waiting to speak to a supervisor with the customer service number and gave up. I then walked into the XXXX branch XXXX, TN and spoke to XXXX. He said he also could not waive the fee and offered the 800 number I was just on. I then asked for the legal department phone number because I receive VA XXXX and those funds are exempt from garnishment and collection attempts. I'm filing a complaint to have all NSF fees charged to the my account during the life of this account opened to be refunded XXXX US Code 5301.

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 2020-06-15 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have tried numerous times to get a late reporting removed from my credit on an account that was paid in full 4 years ago, XX/XX/XXXX with BB & T with a high balance of {$59000.00}. I have made numerous calls to them directly, letters, and disputes with credit agencies.

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 2020-06-15 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: NY

Complaint narrative:
I have an amount owed with XXXX XXXX and tried closing the account several times before it became {$710.00}. I was told that I can not close the account until it was paid in current standing so I then proceeded to ask if I could remove services which was then told the account was not allowed to have changes until it was current. Then when the account was closed it was still being charged for pay per view movies but I don't understand how the account could even purchase movies when it's closed. I'm not going to be responsible for more than a couple hundred and I also returned the equipment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: SC

Complaint narrative:
Purchased my XXXX XXXX XXXX at XXXX XXXX  XXXX on my Home Equity loan in XX/XX/2014. Acct # XXXX. Through XXXX XXXX, US, Maine. A week later I rec 'd letter that the HOME Eq.at XXXX XXXX  had matured and they required payment of the car loan, {$22000.00}. in full immediately. I didn't have that much and XXXX  refused a short term loan, even though we'd never, ever been late on mortgage, credit card, etc. The XXXX XXXX XXXX manager promised a loan, but corporate refused. I paid the entire amount off by XXXX ( Last check, ck # XXXX for {$7400.00}, the last payoff, cashed XX/XX/2014. ) Now, 6.5 yrs later, Experian says XXXX claims a " WRITE OFF of {$7400.00} ) There was no " write-off ''! It's a scam to imply a bad debt for their tax advantage. Was this claimed on their taxes? And how many other victims experienced the same scam? They're ruining my credit 6.5 years later! Experian says they checked my dispute and XXXX  stands by the " WRITE-OFF '' even though they recognize it was paid. I need to know if this is a practice ... Putting down " WRITE-OFF '' to suggest they had bad debt of {$7400.00}. Their financials need investigating! Please advise. Thank you. XXXX XXXX XXXX. By the way, I did supply XXXX  with the vin number of the car, but they couldn't find it in their records. Yes, I will make this public if it isn't investigated. Please investigate this practice by XXXX Bank, USA and Experian. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, SC. 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 2020-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
In XX/XX/2019 XXXX Paypal account of 10 years got restricted, preventing us from receiving money or transferring money out of the account. We received a document request and we responded to all quickly with the requested information with no further responses from PayPal. After numerous calls to customer service, I was told the restrictions will be lifted within 180 days. I never happened regardless of our efforts. 

We have called customer service several times who are unhelpful and say there is nothing they can do other than file a ticket with their " back office '' but never provide contact information for someone who we can speak to directly to resolve this problem. 
And lately, we can not even speak with someone on the phone or get an email response. 

We feel like we are being **bleep** around with here and at this point, Paypal has wasted several dozen hours and thousands of dollars in losses for our business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Wells Fargo credit card bill due date is on the XXXX of every month. We had our bank, XXXX XXXX provides our checking/saving accounts ), remit payment on XX/XX/XXXX to arrive by XX/XX/XXXX and XX/XX/XXXX to arrive by XX/XX/XXXX. Wells Fargo claims payment not received until XX/XX/XXXX and XX/XX/XXXX respectively and charged late payment fee of {$38.00} in each instance. Call placed with Wells Fargo on XX/XX/XXXX to dispute late payment fee for XXXX as payment should have been received on time, and on XX/XX/XXXX to also dispute late payment fee for XXXX as well as an unidentified charge for " minimum interest fee ''. 

Wells Fargo refused to refund fees, and was escalated to XXXX who also refused to take this action and case was escalated to their XXXX case team XXXX XXXX # XXXX XXXX. I question when this payment was actually received, and whether delay in processing on behalf of Wells Fargo contributed to late payment. Furthermore, I find it harder to believe that it would take longer than 7 business days for delivery of payment between XXXX and Wells Fargo. I believe this is a tactic on behalf of Wells Fargo to coerce consumers to leverage their own bill pay services instead. We were frequently encouraged to use the Wells Fargo bill pay services during our interactions with their customer service teams, and advised that bill should be paid in advance of due date instead XXXX which we did subsequent to this issue occurring in XXXX XXXX. 

To date, we have leveraged bill pay services with XXXX for over 15 years and this vendor is the only one that has had issues with payments not arriving on time. We find this hard to believe, and suspect that the issue is with Wells Fargo and their poor business practices. Furthermore, I question why Wells Fargo, a very large multi-branch bank, is unable to accept ACH transfers in lieu of a mailed check for making payments. ACH transfers would ensure that there is no discrepancy between when payment is remitted and when it is received. 

This is the second time we are complaining of this practice ( XXXX was our original complaint ).

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 2020-06-15 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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