vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I received a check in the mail for XXXX. It was suppose to be for car advertising. XXXX for first week pay and the rest for the techicion to put XXXX logos on my car. I deposited the check into my wells Fargo checking account on Saturday XXXX the the XXXX. The banker gave me XXXX at that time as a courtesy. The rest would have to be cleared before it became available. Which was Tuesday XXXX the XXXX. When the check was cleared on the XXXX. I was instructed to take the money out of the account for payment to the techicion. I sent it as XXXX gift card as instructed. The techicion was supposed to come out on XX/XX/XXXX at XXXX. He never showed up. Then at XXXX my bank card was declined. So I called the bank and occurs my account was over drawn by the amount of the check. So it was a fraud. Now I believe that I should have to pay back the XXXX cash the banker gave me on the XXXX. As a courtesy. But the XXXX. Is there falt. They held the check until Tuesday XXXX to be shore that the check went through. Then they made it available to my account. Now they want me to pay the XXXX plus fees. And that isn't right. Again. I believe I should have to pay the XXXX cash given to me on the XXXX that they gave me out of courtesy. But the rest is on them. For if they would have been doing there jobs for those 3 days it was on hold to make shore the check was real and go through before they made it available like they were supposed to. For that is the whole reason of them holding it. I would only owe them XXXX. And the name of the company that wrote the check is sticker ride as team. And obviously there a fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
-XX/XX/2019 XXXX XXXX XXXX reported {$1600.00} past due as of XX/XX/2019 to all 3 credit bureaus -Called XXXX XXXX on XX/XX/2019 to fix this problem because my account is up to date with payments. 
-XXXX told me that there bankruptcy department can only speak to me. 
-Called on XX/XX/XXXX several times XXXX and was not able to get anyone to help me. 
-Mortgage account is in a open bankruptcy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
-XX/XX/2019 XXXX XXXX XXXX reported {$1600.00} past due as of XX/XX/2019 to all 3 credit bureaus -Called XXXX XXXX on XX/XX/2019 to fix this problem because my account is up to date with payments. 
-XXXX told me that there bankruptcy department can only speak to me. 
-Called on XX/XX/XXXX several times XXXX and was not able to get anyone to help me. 
-Mortgage account is in a open bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: NJ

Complaint narrative:
-XX/XX/2019 XXXX XXXX XXXX reported {$1600.00} past due as of XX/XX/2019 to all 3 credit bureaus -Called XXXX XXXX on XX/XX/2019 to fix this problem because my account is up to date with payments. 
-XXXX told me that there bankruptcy department can only speak to me. 
-Called on XX/XX/XXXX several times XXXX and was not able to get anyone to help me. 
-Mortgage account is in a open bankruptcy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2019, XXXX alerted me to a new hard inquiry from XXXX on my Equifax report. This hard inquiry was unauthorized/fraudulent as I have never been a XXXX customer, nor have I ever contacted XXXX to inquire about their services or otherwise provide my personal information. 

On XX/XX/2019, I contacted XXXX to notify them of this fraudulent activity, verify that no unauthorized account had been opened under my name, and request that the hard inquiry be removed. I received email confirmation that XXXX would be contacting the credit reporting agency to ensure the hard inquiry would no longer appear on my report within thirty days. 

On XX/XX/2019, I submitted an Identity Theft Report to the Federal Trade Commission, which included the fraudulent XXXX hard inquiry. 

When I did not see that the hard inquiry had been removed after the thirty day window, I submitted a dispute directly with Equifax. On XX/XX/2019, Equifax ruled that the hard inquiry was valid and would remain on my report, despite me explaining that the inquiry was unauthorized and providing copy of XXXX 's email in my dispute documentation. 

On XX/XX/2019, I contacted XXXX again. The customer service agent told me that my first complaint had not been handled properly on their end, and had been closed prematurely. Again, XXXX sent email confirmation that they would be contacting the credit reporting agency to ensure the hard inquiry would no longer appear on my report within thirty days. 

This second thirty day window has passed, and the fraudulent XXXX hard inquiry remains on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm not a credit repair company so please fix this problem. I'm ask the credit bureau to remove fraud inquiry from my report they told me they don't dispute inquiries i need to contact the company and i did the company said dispute it with the bureau so i don't known what to do please help. I am a victim of identity theft, and did not make the charge [ s ]. I never gave your companies authorization to pull my credit report. Because of this unauthorized pull, my credit score has dropped. In order to pull a consumers credit report you need permission to do that, and if you dont have it its a violation of the FCRA which carries fines. Please provide me with proof that I authorized your company to pull my credit report. If you cant send me this proof in 30 days, you must delete this inquiry at once. Please update, or remove any inquiries that is not reporting with 100 % accuracy.I have contacted the furnished who placed these inaccurate inquiries on my credit report. I asked them to provide me with proof that I gave them authorization to pull my credit report. As of today, they have not provided with the proof that is required. Because of that they had no permissible permission to pull my credit reports. After researching on the internet, it states a company needs authorization to pull a consumers credit report. These company 's did not have that authorization. They have violated the law, and I will hold them accountable. Because of their violations, Im asking your company to follow the law and delete these unauthorized inquiries Here are the inquiries : XXXX - Card Service Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX   Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX-XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX - XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019, XXXX XXXX Inquiry from XX/XX/2019, Absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have told Portfolio Recovery when they first called my work months ago I can not take personal calls at work. They have started to call my work again, they are leaving messages with my co-workers that know I can not take calls at work. 
The last 24 hour call log- XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CHECK INTO CASH INC.
State: IL

Complaint narrative:
Ive taken loans out with Check Into Cash before and have not had issues until this most recent time. They were to take out about XXXX every other week, on my payday directly from my checking account. 

It ended up, the first couple payments were never taken from CIC and the funds were there, available. I then get a letter from CIC stating the loan has defaulted. I have NEVER defaulted with CIC. 

I called the XXXX number to the XXXX XXXX branch and spoke with staff there and I followed up on the letter to see what was going on. I also requested to speak with the branch manager and demanded any interest that has resulted from CIC failing to automatically take out the funds as agreed initially in writing, to be credited to the account. This is unethical, fraudulent practice and only benefits CIC. 
Also, they are supposed to the the money out of my checking account on the FRIDAYS I get paid, per the payment schedule noted in the loan documents and what was agreed to. 

The monies are not taken out until the next business day, which can be 4 days later if that Monday is a holiday. These are deceptive practices and will only result in increased interest. I want my loan audited, and credited any and all interest that was wrongly charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citibank hold the funds received through a refund from the merchant starting XX/XX/XXXX until XX/XX/2019. 

It was refunded only when I called-in to get it refunded back to me. 

The amount was {$70.00}. 
Credit Card # XXXX The bank is following malpractices and unethical and is trying to usurp the customer 's money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: WV

Complaint narrative:
I noticed on Monday XX/XX/XXXX hat some payments came out and were going to cause my account to overdraft so I made a deposit to cover the amount and leave extra in the account. After the deposit, other items came in the after noon but there still was enough money to cover all the items. When I woke the next day ( Tuesday XX/XX/XXXX ) I checked my account and it showed all items cleared and a positive balance remaining. However, when I went to put gas in my car to go to work my card was declined. I checked my account and had been charged 6 overdraft fees. I called the bank and they said that the deductions had cleared before the deposit, even though all items were shown clearing on the same day. I asked when some of the items were presented to the account and though they admitted they had been presented after the deposit they could not explain why I had received the fees yet still refused to refund them. Pending deductions are immediately taken from the balance of the account but it seems as though the bank doesn't credit deposits in order to cause overdrafts and charge fees. After 6 overdraft fees ( totaling {$210.00} ) my account is overdrawn {$140.00}. When asking for an explanation, all they could tell me was " that is how the system processes ''. If a bank is going to deduct charges from an account immediately they should credit deposits as well, or only fully deduct once things " post ''. It seems predatory to take money immediately but constantly hold deposits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Credit card or prepaid card — Store credit 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: CA

Complaint narrative:
Purchases from XXXX should have bee paid in full long ago based upon all purchases made with flex pay ( incurring 0 interest if paid as agreed ) ; all payments made on time as agreed, XXXX indicates balance as being {$920.00} and interest rate 29.24 % without adequate explanation despite my letters and phone calls requesting an audit and/or investigation and detailed information explaining how my balance reach such an amount. An XXXX employee revealed to me that I was not given credit for a laptop she stated had been received by XXXX on return. Please help this frustrated Senior Citizen. 

ERROR : mention of QVC in attachment letter is a typographical error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
In XXXX I filed a complaint with CFPB ( XXXX ). The reply from SPS referenced 3 loan modifications between XXXX and XXXX with accrued Interest exceeding {$310000.00}. When I asked why this was not included in my mortgage interest, I was told it would not be reported until the mortgage was paid. The mortgage was paid in full in XXXX including the ridiculous accrued interest Charges. Now they tell me it was not actually interest. The computer I had the response saved on was stolen about 3 years ago, and I do not have a copy of their reply to you. Can I get a copy?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: OH

Complaint narrative:
I was charged {$9.00} and for a dating app service. The app doesn't work due to technical issues. I did not receive any service from the company and attempted to resolve the problem. I opened a dispute with Capital One. Capital One recharged the {$9.00} amount without providing any details regarding the dispute. This is a violation of federal law, from my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This is for the " bank '' Simple. they can be found at simple.com or on their mobile app. 

these message are only visible in the simple mobile app. it is locked down with DRM protection and i can't take screenshots. 

XX/XX/XXXX XXXX mail returned message message and locking of account with no warning XX/XX/XXXX XXXX note to bank requesting unblock of account since i am traveling and can't meet their ID demands of a selfie at my new home. 

XX/XX/XXXX XXXX bank refuses to acknowledge request and asks me to meet their demands XX/XX/XXXX XXXX note to bank asking how i can close my account XX/XX/XXXX XXXX bank states i can move money and transfer money out of the account and they will initiate the account closure XX/XX/XXXX XXXX note to bank requesting if i can move/transfer money while the account is blocked XX/XX/XXXX XXXX bank states " you can move funds via any tethered third party that is using your account and routing numbers! '' XX/XX/XXXX XXXX card returned message XX/XX/XXXX XXXX direct deposit missing XX/XX/XXXX XXXX bank claims the account is locked and the direct deposit will be returned to my employer XX/XX/XXXX XXXX thank you note from me to the bank XX/XX/XXXX XXXX acknowledgement from the bank XX/XX/XXXX XXXX note to bank asking why my transfer to a linked account was blocked, after they stated that I could move the money XX/XX/XXXX XXXX bank states i need to meet their demands for identification at my new address without acknowledging that the transfer was blocked despite their statement about being able to move money. 

XX/XX/XXXX XXXX note to bank asking them to read my message about traveling and being unable to meet their demands XX/XX/XXXX XXXX bank continues to ask that i meet their demands that that is the only way to resolve the issues. 

XX/XX/XXXX XXXX note to bank asking why they also blocked an external transfer via account/routing number was blocked. 

XX/XX/XXXX XXXX bank states that i have met their demands and my account is no longer blocked. Does not acknowledge the rejected transfer i asked about.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macy 's sent my acct to Collection to XXXX XXXX XXXX , XXXX on XX/XX/XXXX for a debt of {$310.00} ( including fees charged and interests charged ). Regardless the account was canceled by credit grantor, Macy 's is continuing using an unfair practice to charge interests and fees to my account they already closed. When I received a letter from the Collection agency, I called them on XX/XX/XXXX offering a settlement. According to Citibank-XXXX XXXX XXXX, XXXX the amount raised from {$310.00} to to {$390.00} in only one month. I offered a one time payment of {$230.00} ( 60 % of the new debt or 75 % of the original debt of original debt of {$310.00} ). Unfortunately, XXXX XXXX XXXX , XXXX did not want to agree with the settlement and after several calls I dropped the ball. 
Additionally, on XX/XX/XXXX, my account has been recalled by Citibank , N.A . and XXXX XXXX XXXX , XXXX is no longer being serviced by them. 
I made an offer and the collector refused to back down. It is no illegal, but may violate the companys policy for which the collector is working. Normally, Collectors are paid on commission, which is their motivation for collecting as much as possible. XXXX XXXX XXXX , XXXX wanted to get another month past due to get a higher commission. Additionally, I asked to talk with a Supervisor and repeatedly told me that a Supervisor was not available. Finally, when I talked with the Supervisor the amount had increased and my request denied. 
This bad practice collection has affected me an increasing disproportionately this crippling debt. 
Macys changed on XX/XX/XXXX to Citibank, N.A./Department Stores National Bank as a new collector. Obviously, Citibank did not offer any new way to resolve this issue and my efforts were completely invalid. Every time I wanted to talk with Macys they transferred the call to Citibank. 
Unfortunately, the amount has increased every month and according to the last statement released by Macy 's, the actual debt increased to {$500.00}. As a consumer, I requested the protection from the Bureau of Consumer Financial Protection for this unfair practice given by Macy 's with a customer who is retired and the account canceled and sent to collection on XX/XX/XXXX. 
Macys should resolve this issue in a fair practice with the consideration of my initial offer to settle the account for the amount of {$230.00} and CFPB implements and enforces federal consumer financial laws to ensure that all consumers have access to markets for consumer financial products and services that are fair, transparent, and competitive and not charged with abusive late charges and interests.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Numerous complaints have been filed in regard to a close out check sent to me which had a stop payment placed on it prematurely and a second replacement check which was intercepted, cashed by a third party while I was on vacation, away from home. The account in question was opened as a result of data breach as well as two credit accounts, all with Capital One. Prior to this, Capital One had my personal information as I've had accounts as far back as XXXX, the data breach exposed my personal information and these accounts were opened as a result. The first check was sent to me on XX/XX/XXXX, received on XX/XX/XXXX, I left for XXXX XXXX on the following morning, XX/XX/XXXX at XXXX XXXX. I received an email from XXXX showing a package from Capital One was sent to me on or around XX/XX/XXXX, delivered on XX/XX/XXXX I believe. I do not have UPS tracking info available to me. Capital One is more than aware of this information from prior complaints and attached files showing my whereabouts at time check was intercepted and cashed. They also have information pertaining to the person whom cashed the check, however, they will not address it or compare signatures on both checks. They choose to mark my complaints as duplicate when in fact they are not, this is to avoid addressing the information I've shown as far as whereabouts and person whom cashed check in my name. I request copies of three checks, first one sent on XX/XX/XXXX with a stop payment on it, second one intercepted and cashed by third party, third one sent covering overdraft fees due to stop payment.. A XXXX XXXX agreed to refund overdraft fees and sent a separate check covering them. I need copes of these checks for the attorney representing me in the data breach. I also need copies of statements from all three accounts, the check and two credit accounts which include a Mastercard and XXXX XXXX.

Company response to consumer: Closed with explanation