vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Tuesday XX/XX/XXXX, Virginia XXXX XXXX XXXX issued a hold on both my Checking and Savings accounts due to a misunderstanding in state taxes for the year 2014. On Wednesday morning, XX/XX/XXXX, I received a phone call from Virginia XXXX XXXX XXXX indicating that they had reviewed my 2014 returns ( I filed in XXXX that year ), and that they were sending the release request to Capital One. First release request was sent at XXXX XXXX  Wednesday morning, second at XXXX XXXX, and a third at XXXX XXXX Yesterday, XX/XX/XXXX, I had VA XXXX XXXX send a XXXX release notice to my local Capital One branch where I had a financial XXXX personally hold and view the release notice and fax and email it to the division responsible for releasing the hold. Since Wednesday morning, Capital One has not released the hold on my accounts. Any attempt to call Capital One support, email, or speak to a branch representative ends up in the same dead end, " We can not contact our legal department. '' Both my accounts are still frozen, and I have been forced to rely on my credit cards for payments. No one can give me a status on my accounts, I can't even tell if the XXXX XXXX has received the information to release the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
My daughter has made 2 payments to this company after we settled on an amount.The first payment was for {$150.00} and the second amount was for {$1000.00} in XX/XX/2018. She paid the {$1000.00} so they would stop calling me and upsetting me. The account is under my name but it was for some tires that I took out for my daughter but she fell behind on the payments when she lost her job. I asked repeatedly for them to stop calling me as I am in poor health and they would upset me every time they would call saying that I was going to get sued if I did not pay them. I gave them my daughters phone number so they could talk to her and that is when she gave the payments. I recently refinanced my home but not to get money from it, I did not take out a single penny. I refinanced to lower my mortgage payment and to lower my interest. Somehow they found out about it and thought I had money so they called pretending to be XXXX  XXXX XXXX. I gave them my social security number thinking it was XXXX  XXXX XXXX and I got scared when they told me I owned money and I needed to pay it. I knew it wasn't the bank when the man calling started getting mad and using foul language with me. They pretended to be XXXX XXXX XXXX, and I got really scared because I thought they were going to reverse or take away my re-finance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-29 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My father, an XXXX-year old senior citizen was the victim of an unscrupulous contractor. He purchased items for a home improvement project and hired this contractor to complete the work. However, instead of delivering the items to my father 's residence for the project he loaded them up in his truck and drove away. I tried to locate the contractor to no avail. I filed a police report with the XXXX XXXX, California Police Department, ( XXXX, ext XXXX, Police Report Number XXXX and notified my credit card company of the theft. My credit card company gave me the run around for a few days and finally referred my claim to their insurance carrier, under their 'theft ' protection. I provided them with the police report and receipt for the stolen items. The insurance carrier acknowledged receipt of the items, but then sent an email requesting the SAME ITEMS. I complied with their second request, and again, they acknowledged receipt of the items, but requested the SAME ITEMS AGAIN. I complied with this request as well as a following request, for a total of four ( 4 ) times. I provided the same documents to the carrier on four ( 4 ) separate occasions. But the carrier has not make a decision on my claim and keeps sending out the same request for the police report and receipt of the items stolen, when in fact they already have this information in their possession. I believe they are acting in bad faith and have no intention of paying this legitimate claim and have been stringing me along for the past three months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: United PanAm Financial Corp.
State: MO

Complaint narrative:
On or about XX/XX/XXXX I received our 1st invoice from XXXX XXXX XXXX  on our XXXX vehicle we purchased we are happy with the purchase and the vehicle just not the hidden fees in this invoice dated XX/XX/XXXX it clearly states, there are 2 options provided on invoice website or call XXXX and underneath paragraph states " This service is free to XXXX XXXX XXXX customers ''. However when I called today XX/XX/XXXX they charged a hidden fee of {$7.00} processing fee for using phone service although paperwork states free???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-29 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: DISCOVER BANK
State: TX

Complaint narrative:
I reviewed my Credit Report by XXXX and noticed a 30 day late payment on my Discover Card account from XX/XX/XXXX - XX/XX/XXXX. In XX/XX/XXXX I entered into a Credit Counseling program which was approved by Discover Card. All payments since entering into the program have been paid as agreed. I submitted a Dispute with XXXX on XX/XX/XXXX and it was completed on XX/XX/XXXX. While there was an update on my account, the 5 months of delinquency were not removed from the account. I contacted Discover on XX/XX/XXXX and was told that the account had a missed payment in the transition period XX/XX/XXXX and I did not become current until XX/XX/XXXX. While I can understand a one month penalty for XX/XX/XXXX missed payment, I believe Discover Card should clear my record to accurately reflect that I have paid on time as required for XX/XX/XXXX - XX/XX/XXXX since entering the program. No other credit card company reported any delinquency on any of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
On XX/XX/XXXX I made a {$600.00} payment online to my XXXX XXXX card held by Synchrony Bank. I received a confirmation number. The website posted my updated balance and payment a few days later. On XX/XX/XXXX I get an email from Synchrony bank saying I had a letter to review about my account. I open it and to my surprise the payment has reversed. The account is NOW XXXX over what I was previously given in credit! 

Synchrony Bank said their records show I did not authorize the payment ... 30 days later! This is absurd ; and I have no money in my account ; but my bank does not show that they EVER went in to get the payment ; is this a scheme to make more in interest? I am trying to pay this off before retirement in 2 years! I won't have that type of disposable income anymore. I am perplexed. I don't know how this could have happened. My credit union shows NO transaction going out for that amount ; but if I use my card and press accept ; it should go forward ... right? No one can tell me what happened and I am frustrated and I am the little guy ; I should not be penalized ; my spending limit was reduced ; my credit score was reduced and my credibility has been reduced., please 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 explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I received my monthly mortgage statement from Citizens One Home Loans that I have been paying for on time for the > 7 years. On this month 's billing statement was a line item that said " Borrower Recoverable '' {$800.00} I received no other correspondence from the company explaining what this was for. I called XXXX and the customer service department said it says Bankruptcy Attorney Fees. I said for what, I did file for a Ch XXXX reorganization in XX/XX/XXXX but I didn't include this mortgage in the Bankruptcy and my Petition states this home and mortgage would be retained by me and paid my me monthly to the bank as always. 

They said we don't know let us connect you to the Bankruptcy Department, so they did and I spoke to XXXX told me since you filed a BK we had to review it, I said ok, and you seen this mortgage wasn't included and I've been continuing to pay it on time as always no interruption. He said sorry mam that's our fee. I asked to speak to his manger and XXXX said she's not in, I asked for her name and number and he said sorry we don't give that information out. And he suggested I call my own attorney and have him call them if I'm not satisfied with his answer basically it is what it is?? His attitude was like you filed bankruptcy these are your consequences?? 

I said this just doesn't seem fair? Sorry mam that's all I can tell you. So its ok for a misc {$800.00} fee to be added to your monthly mortgage invoice? and I get a vague answer and this loan wasn't even part of the Ch XXXX reorganization? 

I wasn't sent any other notification telling me about this practice from Citizens One Home Loans and my 2 other Mortgage Companies didn't do this?? 

I had to file for Ch XXXX because my husband hasn't worked in 5 years due to illness and I have XXXX children and I couldn't keep up with all our monthly bills, I needed relief and for them to slap me with this additional {$800.00} when I never stopped paying them is just absurd? 

Can you please contact them about the legitimacy of this recoverable? And their lack of proper notice to me about it? I'm am still in financial hardship and for them to pass this attorney fee onto me is just unfair. 

Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I initiated a *Same day* international bank wire. It was not received by my intended recipient. 
Bank of America sent me the following message but they never notified me of any problem : We have successfully sent the following transfer : ********************************************* Confirmation # : XXXX XXXX number : XXXX Amount : {$7900.00} Fee : XXXX Send on Date : XX/XX/2018 Service : International Transfer status : Complete ********************************************* If there is a problem with executing your request, we will notify you both by email and on the Manage Accounts tab. You can always check your transfer status on the Review Transfer screen at www.bankofamerica.com. 

Sincerely, Member Service www.bankofamerica.com

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 2018-06-29 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: TX

Complaint narrative:
I paid our mortgage ON TIME for the month of XX/XX/2018. Transunion has it marked as 30 days late which is incorrect.

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 2018-06-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo allowed $ XXXX to be illegally transferred out of our Homeowners Association savings account in XX/XX/2018, by a hacker who stole our XXXX/XXXX identity. Wells refuses to put the funds back in our account even though it is FDIC insured, and the amount had to be reported since it was $ XXXX. They say they need a summons or legal document to pull the IP address of the computer that accessed and transferred the funds. So they want the Association to spend upwards of {$2000.00} to hire an attorney, open a court case and get a subpoena. And all because of their error. This is a small non-profit Homeowners Association. Jumping through all of their hoops would put us in further financial distress. Again, this was the banks error. Wells is being a bully and making us jump through hoops and incur additional expenses all because of their lack of due diligence.

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 2018-06-29 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: CA

Complaint narrative:
My XXXX-year old father was the victim of an unscrupulous unlicensed contractor, and who turned out to be a thief and a vandal. My father purchased items for a home-improvement project and had the items in this contractor 's truck. Instead of delivering the item to the house for the project, the contractor absconded with the home improvement material. He also returned to the property and vandalized my father 's vehicle and stuck a nail inside his newly purchased 'run-flat ' tire. We filed a report with the XXXX XXXX, California Police Department ( XXXX ) XXXX ext XXXX, about the theft of the items and the vandalism. Police Report Number XXXX XXXX. I also filed a claim with my credit card company for the vandalized tire that could not be repaired and needs replacement. 

The credit card company has purchase protection for damage/theft. A claim was filed with them on or about XX/XX/2018. They were provided with photos of the damaged tire, the receipt for the purchase and a copy of the police report along with contact information of the police department and officer who took the report so that they could/would access the report themselves and their would be no question or problem with the 'chain of custody '. 

However, despite being provided with all the information they requested on multiple occasions, the carrier for the company has not made a decision on the claim and has been dragging their feet. To date, after two months, the claim is STILL outstanding and the carrier is requesting the same information AGAIN, thus acting in bad faith.

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 2018-06-29 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Twice I have tried to dispute a recurring annual charge submitted by XXXX, an internet data backup service ( of no value to us, because we have adequate backup through XXXX ). I deny - and my wife denies - that we have entered into any agreement with the merchant company, which, my wife believes, got our credit card number when my wife briefly explored the backup service on a trial basis in XXXX or XXXX. We are both lawyers and understand that some companies try to get consumers to agree to paying recurring charges by giving their service away on a free trial basis that becomes a full subscription if not cancelled in writing. We are not among those consumers. 

We did not agree to pay XXXX recurring fees. Please examine the documentation that the merchant provided to evidence our agreement. Note that the box labelled " I agree to the terms of the terms of the XXXX service '' The box is not checked. 

That XXXX sent yearly emails can not serve as a substitute for our agreement, which was never given. This is particularly the case when XXXX  emails, like those of other merchants with whom we do not have a relationship, email us. The emails are automatically routed away from our attention. 

American Express has failed in its Reg Z duties to investigate my disputes ( twice ). Perhaps the best example of this failure is that last night I took over 30 minutes reviewing the attached merchant documentation and explaining to a customer service representative ( American Express would not allow me to continue my original dispute electronically ) the inquiry background and why this documentation did not evidence an agreement. Nevertheless, within hours, American Express had denied my second dispute with no explanation other than to provide the same documentation I had already discussed at length a few hours previously with the Amex CSR. 

I reserve all our rights.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank took my whole XXXX check which they claimed I owed them but they gave me no notice of the fact I was overdrawn in overdraft privileges and now my food stamps were cut and I can not afford to give the bank back XXXX as they caused this by sending my bank statement notices to XXXX XXXX XXXX my former lawyer. I told them tochangemy address XXXX XXXX XXXX but I was overdrawn and have these charges due to the bank notnotifyingmeproperly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
ONLINE INFORMATION SERVICES is currently reporting on my credit report and inaccurate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
Tcf app not showing the same info as what is being charged in OD fees. Pending transactions will not show up but being charged for them. Tcf has refused to reverse these OD fees upon request. TCF also is charging double fees on returned items one nsf fee and one returned item fee causing a XXXX dollar charge!!! I have been charged hundreds of dollars in OD fees since XX/XX/XXXX. I would like a reversal of these fees. Pending debit card transactions are already deducted at time of purchase from your available balance. I should not be charged up to 5 OD fees a day for one OD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-29 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: TX

Complaint narrative:
We paid our mortgage for the month of XX/XX/2018 ON TIME, however, Equifax has it listed as 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XX/XX/18 I applied for Capital One Card. No foreiegn transaction fees. 
I unfroze my XXXX file to allow XXXX XXXX to access. You receive a code. 
The " customer service rep was informed. She took all my other pertinent information She never took my code! I offered he -are you ready now for the code. She ended application never taking code. 
I was turned down ( of course ) and have sent letter to XXXX One-they need train their staff!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 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: TX

Complaint narrative:
Experian has our XX/XX/2018 mortgage status listed as 30 days late, however, it should be current status since we paid on 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