vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My account was arbitrarily closed by the company without my consent. When I contacted the company I was told there was nothing that could be done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian is reporting several accounts with incorrect payment history as well as incorrect dates of the first delinquency. I disputed these accounts through my online account on XX/XX/2021. Experian " updated '' these accounts but the payment history and dates listed remain incorrect. These accounts were never marked as disputed as evidenced by the credit report dated XX/XX/2021 which is a violation. I tried to dispute these items again but have been unable to because the website does not allow it. I wrote an additional 609 letter to Experian requesting additional info. I have not received anything as of yet.

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 2021-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: TX

Complaint narrative:
XX/XX/2021, made a purchase with prepaid card thru Paypal for XXXX received confirmation with the order number. Later that same day the company authorized the same amt for XXXX and then hours later again for XXXX. This put a pending hold for 3 amounts of XXXX on my Netspend account, immediately I checked and confimed it was for 1 order. I tried contacting Paypal informed it couldn't be disputed since they hadn't taken the money. I cancelled the card with Netspend because of unauthorized charges and contacted the company. They cancelled the order-did n't know why it was trying to take out more money and sent an email confirming cancelled. A week later there is still 3 pending amounts for XXXX. Netspend said it will still show pending for 30 days because the company can still take the money and I'm not able to have access for those 30 days. The card is cancelled, an email confirming cancelled and Netspend refuses to release money and said nothing they can do. Per Netspend I should dispute charges but when I went online with Netspend to dispute, they sent email saying can't dispute because all 3 transactions are pending. I have talked to the supervisor and was told this is a Netspend policy to hold pending transactions for 30 days without the funds being accessible. The card is cancelled, and it appears the company was trying to check how much money I had in my account was a scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
The issue I am having with capital one is interest I was charged for {$5.00} after my balance was paid in full for the previous month. I called capital one on XX/XX/2021 to ask why my account was charged interest and was told that although my payment was paid in full on XX/XX/2021, that bills must be paid in full for two months consecutively before no interest is charged. I explained to the representative this is not how interest is calculated. I explained interest is charged on balances carried over and I had no balance after I paid my bill in full on XX/XX/2021. My statement does not cut until XX/XX/2021 although this has not been consistent. The team member then stated the interest was from my billing statement from XXXX as I had a balance of {$390.00}, I explained to the representative that is correct and that payment or the minimum was due by XX/XX/2021 and the payment was paid in full prior to the due date on XX/XX/2021. I told the team member I should not have a balance due for XXXX but yet I do for interest on a paid bill paid in full. The team member did not seem knowledgeable in credit nor did they offer to escalate the concern. The team member I spoke to said their name was XXXX and had an ID number of # XXXX, located in the XXXX. This is not the first time Ive had this issue with Capital One. Years ago when I opened the account and paid my balance in full, I was charged interest. When I called about it at that time the team member apologized and stated this should not had happened and waived the interest. This time, this was not done and although {$5.00} is not a lot of money its the principle. I would like for them to waive this interest as it should not have been charged and put the proper controls in place so their system is able to identify when balances have been paid in full, also to put a process in place on how to recognize complaints as I mentioned contacting the CFPB and the team member had no idea of what the CFPB was and ignored the concern at hand.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: MD

Complaint narrative:
Greetings, A debt collection agency by the name of " Receivables Performance Management '', contacted me 3 times in the same day on XX/XX/20 as well as XX/XX/20. I do have an outstanding debt with the original creditor " XXXX '' and we reached a settlement agreement of {$260.00} and have already paid half of this balance. Though the debt is valid, there collection efforts have been illegal two days in the row. 

Phone Numbers called from : - ( 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 2021-03-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: FL

Complaint narrative:
I try to resolve the problem with XXXX the company and send it them a copy of a police report from XXXX County Police Department and also XXXX XXXX XXXX county police department and they did not honor my request and I think its a shame that you can not present me any documents with my signature on it instead of all of it itemization home and I do not owe {$50000.00} in debt in my Social Security number is not XXXX it says I live in XXXX county I never live there before. I think a school representative did that when I called about information about a program years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: FL

Complaint narrative:
I try to resolve the problem with XXXX the company and send it them a copy of a police report from XXXX County Police Department and also XXXX XXXX XXXX county police department and they did not honor my request and I think its a shame that you can not present me any documents with my signature on it instead of all of it itemization home and I do not owe {$50000.00} in debt in my Social Security number is not XXXX it says I live in XXXX county I never live there before. I think a school representative did that when I called about information about a program years ago

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On multiple dates regarding the weeks of XXXX, XXXX, and XXXX, Transunion LLC was notified and made aware in accordance to 15 USC 1681s-2, sections ( a ) ( B ) and ( a ) ( A ), that there are and still are unauthorized and unverified credit inquiries with no accounts attached to them are still reporting and negatively affecting my credit score. Taking into account 15 USC 1681s-2 section ( b ) ( E ) and 15 USC 1602 sections ( e ), ( i ), and ( g ), state and make clear that I am the original creditor and I have said and told this to the employees at Transunion LLC and they refused to remove the following credit inquiries : XXXX [ Inquiry date : XX/XX/2020 ], XXXX [ Inquiry date : XX/XX/2020 ], and XXXX XXXX XXXX [ Inquiry Date : XX/XX/2020 ]. I have made Tranunion LLC aware multiple times of these inaccurate and unverified items due to the FCRA and Transunion LLC has refused to remove them so I reach out to you Consumer Financial Bureau for your assistance with this matter. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
During a trip through XXXX airport on XX/XX/XXXX I stopped at the United Club to get information about accessing that benefit and were provided with a brochure that indicated {$0.00} annual fee for the first year on this card. The United Club representatives at XXXX provided me with an agent code for that offer ( XXXX ) and indicated that the offer expired XX/XX/XXXX. I submitted my application on XX/XX/XXXX, received instant approval, and have since received and verified my card. I was charged the {$520.00} annual fee on XX/XX/XXXX. I contacted customer service on XX/XX/XXXX, spoke to a manager, and was advised to file an escalation through via Secure Messages online. 

The response I received was that the cardmember bonus attached to the card is XXXX miles after spending {$3000.00} by XX/XX/XXXX - not the offer extended on the brochure and not an offer that I would have considered applying for. 

On XX/XX/XXXX I submitted a a question to see how I can change to a no annual fee card, knowing that simply canceling the card would damage my credit score. The subsequent response indicated that the card is not eligible for a " product change '' until XX/XX/XXXX. 

I have not used the card, the only charge is the annual fee. 

The pertinent pages of the offer brochure are attached ( front & back, pages 2-3 with the agent code, fine print pages ). The other pages just highlight other card benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My EDD card was stolen in XX/XX/2020 and they were using it while I was waiting to receive it and were able to withdraw {$6100.00}. I called to receive a new card and file a fraud claim ( I also filed a police report on the stolen money ) and they sent me a new card so I started withdrawing the rest of the money on the card but on XX/XX/2020 my card was put on hold when I tried to withdraw more money. I called Bank of America the next day and they said because I filed a fraud claim my account was frozen and they would put in a form for my account to be reviewed and unfrozen. I then proceeded to call twice a week and they just kept telling me to keep checking to see if my account reopens. I also reached out to EDD and they said everything on their end was fine so they didnt know why Bank of America still has my account frozen. My account has been closed for three months and they keep telling me they will file a new form and to keep checking if my account reopens. Since my account being frozen in XXXX I have only received one notice in XXXX telling me my account was frozen. I also was told I cant reopen or check on the status of the claim that I filed in XXXX when the money was stolen because my account is on hold right now, they said I would receive a letter in the mail and I didnt receive anything. I still have money left in the account that Im not able to withdraw.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo has refused to acknowledge its role in my case ( XXXX ). They falsely advertise XXXX as a secure way to transfer money, protected by Wells Fargo. XXXX is not protected by Wells Fargo and it is wrong for them to push a 3rd party app that has no user protections. Furthermore, Wells Fargo employees XXXX XXXX ( Executive Office Case Specialist XXXX ), XXXX XXXX ( Case Specialist for XXXX XXXX XXXX XXXX ), and, primarily, XXXX XXXX ( Escalated Complaints Specialist ) have not been responsive to any phone calls and have failed to communicate with me in a polite and just manner. I have called XXXX XXXX numerous times and she never once replied or tried to contact me. I was once directed to a different Escalated Complaints Specialist who rudely told me I'm wasting my time and it's my fault and I can try all my life to get a response but I won't get one. No one has been kind or helpful, only rude and cold, trying to avoid my calls or admit their responsibility in this problem. It's terrible customer service and deceptive marketing.

For Wells Fargo to take responsibility for their terrible customer service and deceptive marketing. Wells Fargo should not affiliate with a third party they do not back ( XXXX ). I would like a reimbursement for my unprotected transactions with XXXX as I was deceived into thinking it was secure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ClearLine Loans LLC
State: IL

Complaint narrative:
On XXXX XXXX, I was given a XXXX dollar loan from clear line loans. The annual apr for this loan is 354.21 %. .This is in violation of The Illinois pay day loan reform act which states a company may not charge no more than 15.50 per 100 of interest, and charge a maximum of 99 percent interest per year .therefore making this loan illegal in the state of Illinois..Per section 1 of the Illinois payday loan reform act to give out payday loans to customers the company must be licensed in the state of Illinois which Clearline loans is not..This loan is also is illegal in the state of Illinois per sec 03-03a of the pay day loan reform act which states for a company to operate as a payday lender in the state of Illinois, the company must be licensed with Illinois department of financial regulation which this company is not therefore making this loan illegal and unenforceable under Illinois state law..To this date I have paid XXXX  dollars on this illegal loan in the state of Illinois and an unenforceable loan per Illinois state law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
This has been an ongoing issue for almost one year now. Around XXXX of 2020, my debit card with Wells Fargo had been compromised. I immediately called and reported all of the fraud charges. I also noted multiple times that I have not received any new cards nor was I able to log on to my online account. My email address and phone number had been changed on my account and I was not able to view any updates. I mentioned this issue to every single agent I spoke to and only one was sure to make a report and note it. I was informed by the fraud department that a police report was necessary for this case. I tried to send this report to Wells Fargo multiple times. One agent even told me my police report was denied and they did not even want to look at it. How does it make sense to ask for a police report and then deny it? I tried to speak directly with the agents that were in charge of my case, but had no luck. First, I was told my case needed to be sent to a manager or supervisor and I would get a callback. Nobody EVER called me back. Also, I explained multiple times that my email and phone number were not correct and to update my profile. Later, the agent explained that all updates were being sent to the fraudulent contact information on the account. I tried to work with Wells Fargo in every way that I could, but there is no hope anymore. I even contacted the merchants that were associated with the fraud and every single one said they were unable to help and that my bank should take care of this issue. All of the fraud charges have a total of around {$8000.00}. This is a large sum of money and I should not be held liable for these fraudulent transactions. I would like my money back asap. I have been lied to and treated like a piece of garbage going back and forth with this terrible bank.

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 2021-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX card service is reporting an opening date that I can not match to my records, I am asking them to provide me with a copy of the original application so I can verify accuracy on the opening date and exact match to my records. EXCUSES WILL NOT BE ACCEPTED EITHER YOU HAVE IT OR YOU DONT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
XXXX put a collection account on my my credit report that dont belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/2021, COINBASE, took {$25000.00} out of my bank account leaving me with no access to the trade. The account has always been BLOCKED or restricted.

I contacted them countless of times, but there is no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was reaching out again that this is my FOURTH WRITTEN REQUEST, despite my three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.

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 2021-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
There is erroneous information on my credit report in regards to my name, address, and employment.

Company response to consumer: Closed with explanation