vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: WA

Complaint narrative:
- On XX/XX/XXXX, I initiated an international money transfer for {$14.00}, XXXX to an international recipient using the TransferWise.com remittance service. 
- In the prior 6 months, I had successfully performed 6 remittances to the same recipient without issue. 
- I paid a fee of {$130.00} to Transferwise to conclude the transaction within 3 days - By XX/XX/XXXX the funds had not yet been received by the recipient. 
- On XX/XX/XXXX, I contacted Transferwise customer support to inquire as to why the funds had not yet been received by the recipient. They indicated that they did not know what was causing the delay but they would look into the matter. They also indicated that they did not know where the funds were. 
- On XX/XX/XXXX, I contacted Transferwise customer support again and inquired as to whether they had been able to locate the funds. They said they were still looking. 
- On XX/XX/XXXX, I contacted Transferwise customer support again, but still they were unable to tell me where my funds were. 
- On XX/XX/XXXX, I contacted Transferwise customer support and asked to speak with a manager or have my case escalated. I was informed that there was no escalation procedure and that I should keep waiting for them to try and trace the funds. I asked where my funds were and they said they did not know. I also asked when they expected to have located the funds and they said they could not tell. 
- On XX/XX/XXXX, I contacted Transferwise customer support again to inquire if they had traced my funds and they indicated that they had not been able to make any progress on the matter. At this point, more than 2 weeks had elapsed since I had initiated the transfer. I had also incurred significant financial loss since I had to borrow funds to pay the recipient who should have received the initial transfer. 
- As of today, XX/XX/XXXX, I still do not know what happened to my money and I have not been able to get any resolution from Transferwise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-17 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Riverwalk Financial Corporation
State: CO

Complaint narrative:
My credit report is showing this account as an open collections account. I spoke with their customer support and they assured me that they are not a collections company and I have confirmed that my account is up to date on its payments. 

I would like to have this collections account removed from my credit report as it is a current account and shouldn't be showing negatively on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I transferred my money to an external bank ( bringing my balance to {$0.00} ) and then used the online message center to request that my checking account be closed on XX/XX/XXXX. I received a pop-up after submitting stating : " Thank you for your message. We will make every effort to respond within 2 days ''. A week later on XX/XX/XXXX, I received a message stating : " Thank you for contacting Citizens Bank via email. We apologize for the delay in responding. If you have not completed your request using another method please respond to us and we will work to assist your needs ''. On XX/XX/XXXX, I responded to the message once again asking for my checking account to be closed. As expected, I received the same pop-up about a response within 2 days. Three weeks have now gone by since my most recent message on XX/XX/XXXX without a single response from the bank. Then on XX/XX/XXXX, I received a $ XXXX monthly charge for the account, bringing the balance below {$0.00} to - {$24.00}. Had the bank simply responded within the two days either time and closed the account then I would not have been charged this {$25.00} fee ( and still be waiting for a response and the closure of a bank account over a month after my initial request on XX/XX/XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019, I submitted the following complaint : " I had enough funds to cover all debits on the above referenced account except one, XXXX Visa for {$270.00}. This debit was not among the debits listed in my account on XX/XX/XXXX and so it clearly posted last from a chronological stand point, in fact it appeared the day after XX/XX/XXXX on the ledger so there is no way that it posted before all the other entries. 

In any case, there were sufficient funds for all remaining debits on XX/XX/XXXX. I believe there should only be one NSF fee of {$34.00} for the XXXX payment. Therefore I request a refund of {$68.00} for the two extra erroneous fees. '' The customer service response did not acknowledge the facts of this case. I had my account covered for all posted debit on XX/XX/XXXX, and the debit that cause an overdraft did not appear until the following day. Due to this fact Chase over charged my account. Chase has been very aggressive in charging overdraft fees unfairly. Further more, customer service agents appear to reflectively refuse to correct errors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have been in school and have only opened one credit card account with XXXX XXXX XXXX. Per my annual credit report and XXXX XXXX, I have been a victim of identity theft for which I have already contacted the IRS who provided me with a pin that I will need to use in order to protect my ss # going forward. I have various accounts on my report for which I have attempted to remove repeatedly, yet the companies and debt collectors will not remove these items. Such as the following : XXXX XXXX XXXX  : Account Balance- {$1000.00} sold to Portfolio Associates Account Balance- {$2600.00} opened XX/XX/XXXX XXXX XXXX : Account Balance- {$910.00} sold to Portfolio Associates XXXX XXXX XXXX ( no military affiliation ) Account Balance- {$730.00} opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AP

Complaint narrative:
I'm unable to lift the credit freeze placed on my account and Experian has made it impossible to resolve this issue by not allowing customers to speak with a live person even during business hours. The only help the automated system offers is sending me to their website regardless of what limited selections are offered on the phone.

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 2019-01-17 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Today i recieved an alert that Synchrony Bank requested a copy of my credit report. I immediately contact XXXX because I have been a victim of identity theft in the past. I havent applied for credit with Synchrony Bank or PayPal, please remove this fraudulent hard inquiry from my credit report. I placed a fraud alert in my credit report to make sure this wont happen again.

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 2019-01-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Today I received a collection letter from my mortgage company, Mr.Cooper. They want me to pay them {$620.00}. Where they came up with this number eludes me. I was told by a Mr.Cooper representative this was an attrition, escrow shortage and also required by RESPA. She told me there had to be a minimum balance in my escrow account. Federal Laws. No federal law mandates that lenders must open mortgage escrow accounts for borrowers or keep a minimum amount in this account Also The Department of Veterans Affairs does not require escrow to be used, but many lenders do.. However, the Real Estate Settlement Procedures Act permits lenders to require these accounts at their discretion. Mr Cooper took over my loan on XX/XX/XXXX. I was with XXXX XXXX previously. During the XX/XX/XXXX year they deducted {$66.00} per month for 12 months. On the XX/XX/XXXX my insurance premium went up {$6.00} per month which meant for 5 months i underpaid {$30.00}. When Mr. Cooper billed me for XX/XX/XXXX there escrow only collected {$66.00}, which meant I was now in arrears of {$37.00}. I am more than happy to pay this amount which would bring my account current. I will not pay {$620.00} Still don't know where this figure would come from unless an error was made internally at Mr. Cooper and they expect me to pay for it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been in school and have only opened one credit card account with XXXX XXXX XXXX. Per my annual credit report and XXXX XXXX, I have been a victim of identity theft for which I have already contacted the IRS who provided me with a pin that I will need to use in order to protect my ss # going forward. I have various accounts on my report for which I have attempted to remove repeatedly, yet the companies and debt collectors will not remove these items. Such as the following : Capital One Bank : Account Balance- {$1000.00} sold to XXXX XXXX Account Balance- {$2600.00} opened XX/XX/XXXX XXXX XXXX  : Account Balance- {$910.00} sold to XXXX XXXX XXXX XXXX XXXX ( no military affiliation ) Account Balance- {$730.00} opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony Bank Walmart closed my Walmart store card on XX/XX/2018 due to a return ACH payment from my bank. I called Walmart Credit Services and was told that this was my second check returned within a year and it was automatically closed. I was told that I could dispute the decision only if I had documentation from my bank stating that it was the banks error. I have such documentation and I am submitting the letter to them. I thought I had previously sent in this information with my bank activity showing I had the funds to cover the payment but I still received a rejection to open my account back so I requested a more detailed letter from the bank and they sent it to me. The Walmart account should not be closed. It was a bank error and this should be re-opened. Getting through your customer service representatives is such a daunting task. This last four months has been a nightmare and I am in the middle of changing bank accounts because this keeps happening

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 2019-01-17 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: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
HERE WE GO AGAIN. 

THIS COLLECTION SINCE XX/XX/XXXX POPPED UP ON MY CREDIT REPORT AND MY ATTORNEY AND MYSELF FILED A COMPLAINT BACK IN XX/XX/XXXX AND HAD THEM REMOVED. NOW IT SEEMS NEW DEBT REPT : TOOK IT OVER>>> AGAIN THIS IS NOT MINE AND I HAVE NEVER VISIT XXXX XXXX XXXX  IN MY LIFE!!!!!!!! 

WE WILL BE FILING A COMPLAINT WITH XXXX  AND FTCC AS WELL WE WILL BE REQUESTING PROPER IDENTIFICATION AND DOCS TO WHOM THIS DEBT BELONGS TO AGAIN ALONG WITH A LAWSUIT. 


COMMONWEALTH FINANCIAL XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$690.00} {$690.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Please reference case number XXXX. Complaint sent to CiTiBank Credit Card disputing a payment made in the amount of {$10000.00} XXXX a company owned by XXXX XXXX which has been shutdown by the FTC for fraud. CitiBank explains the there reason for not providing help because the occurrence of fraud was detected by the FTC after 120 days of opening this account to fund the XXXX business. Why can XXXX give cover for the victim in this Ref. XXXX and CitiBank provides no help to someone who is about to loose my home. My hope was to earn money to make and honest living not to be a victim of fraud. 
Please look at the Compensation Plan pdf, these levels are for lifetime. Need Help Now!

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 2019-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
XXXX I started to make payments to a law firm of {$300.00} a month. After a few payments I started getting overdraft fees in big amounts. My money is tight and i made sure I had enough to cover. So I thought it was me. But in the last few months I realized that the bank was putting a hold on my account days before it was due which made me go into overdraft. Ive made a complaint twice with no response. It adds up to a lot of money that put me in a lot of hardships. 
XX/XX/2018 payment {$300.00} XX/XX/2018 overdraft {$90.00} XX/XX/2018 payment {$300.00} XX/XX/2018 overdraft {$150.00} XX/XX/2018 overdraft {$30.00} XX/XX/2018 overdraft {$120.00} XX/XX/2018 payment {$300.00} XX/XX/2018 payment {$300.00} XX/XX/2018 payment {$300.00} XX/XX/2018 payment {$300.00} XX/XX/2018 payment {$300.00} XX/XX/2018 overdraft {$120.00} XX/XX/2018 overdraft {$30.00} XX/XX/2018 overdraft {$60.00} XX/XX/2018 overdraft {$60.00} these are the ones I found and the reason I didnt get overdraft fees some months is because I had extra money at that time! 
overdraft {$120.00} XX/XX/2018 overdraft {$30.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC.
State: MA

Complaint narrative:
The following banks have charged me fees for letting my account go in the negative then each transaction was charged an additional fee for each day until it was positive again. 
I no longer have these banks. I really tried to keep them in the positive but it was virtually in possible. 

XXXX XXXX XXXX XXXX XXXX XXXX Suntrust I gave up after they let me open new accounts & kept taking the fees. I do not think I am stupid they prey on people with limited income. 




I am a XXXX XXXX, & I have been hearing this from alot of people, XXXX, retired. 
This is second hand stealing from the US Treasury isn't it? 
Fees each month easily can be between $ 200- {$500.00} & that is conservative amount. 
This activity could balance our budget based on how many people are recieving benefits from treasury that can not maintain their checking accounts? XXXX, Seniors, who are XXXX  not fully capable of managing their account.

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 2019-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I rented an apartment on XXXX XXXX XXXX XXXX ( name of complex and name shown on my credit report ) in XXXX XXXX  on XX/XX/XXXX for a period of one year. In the lease agreement there was a clause saying if I get transfer to another job far  from that location I could leave my contract early, which it happen. I communicate the management that I received an offer to move to XXXX which I did in XX/XX/XXXX so I would be vacating the apartment in the end of XX/XX/XXXX. They told me that I was responsible for the remaining of the month in contract for that unit until someone else rents the apartment, I also had one month deposit on that contract. I left the apartment clean and perfect conditions, and I had friends and neighbors checking the unit if someone had move in, which it did within less than 30 days. So the month deposit I had given before moving in to the apartment should cover the month the unit was empty and getting ready for a new tenant. The rent was around {$1000.00} per month in the contract, and in the worse case scenario, I would had default in around {$5000.00}, but they rented the unit rightway due to the high demand on the area, but the management company put on my credit a debt of over {$11000.00}. I disputed and never received nothing from the credit bureau or the furnisher other then a letter telling me that the collection meets FCRA requirements. Everything it is in the contract, which they have a copy but I lost my when I moved to XXXX. The Fair Resolution. They should remove the collection from my credit as they rented the unit within the time of less than a month and so they could keep my deposit. or in the worse case scenario asked me for one other month of rent, which I offered several times to them when they called 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 explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Key Management Company of Missouri, LLC.
State: MO

Complaint narrative:
I have a loan from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX The manager there has continued to call me and my friends and family, even ones she has never been authorized to after being repeatedly told by myself and them to stop, she has even called from different numbers when blocked and calling my work place multiple times after also being asked more than politely many times to cease any and all contact and that I would like to deal with another branch or corporate to deal with payments on my XX/XX/2018 loan. She has made it into some personal vendetta as if the money came from her personally and not the company she works for. I am 8 months pregnant and it is causing me a severe amount of stress and calls are often early or late and it is hard enough to sleep anymore as is. I have even considered filing harassment charges on the manager herself at the local police. I do not know what else to do she is fixated, I switched jobs from working at a XXXX  where she was never supposed to be able to call through to me while on post for safety reasons but still did, to a XXXX XXXX  and she was calling my new work place before I said to anyone or anywhere publicly I was working there. I had been there just a couple days. It is very frightening how she got that information I have no idea. It is unprofessional and vindictive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
I purchased a car in XX/XX/XXXX it was a XXXX XXXX and it was a total loss in XX/XX/XXXX, My Insursuce paid the depreciated value, Then there was a balance left which I had Gap Insursuce to cover the balance, But Santander Consumer USA didnt file a claim for it. They were trying to make me pay the balance So they ruined my credit with it by putting a charge off on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
First Tennessee Bank was made aware of fraudulent charges and ignored my request for help n

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JH Portfolio Debt Equities, LLC
State: NV

Complaint narrative:
In XX/XX/2017 I defaulted on a series of credit card payments due to severe health conditions that resulted in the loss of my job and income. I had to let my credit cards fall into default and subsequently collections. 

Since then my account has appeared to have been repeated sold to several different collection agencies and I have received a variety of different offers to resolve it, but due to the speed by which the companies have changed hands and all the varying amounts by which the account can be " supposedly '' settled I am at a loss for action here. I don't know whether or not my account is legitimately open for resolve or in fact if I am being gamed. As such I am looking for resolution or forgiveness, but before then it was recommended that I put forth this information to the CFPB. So that I could at the very least have some more pushing power with the " current '' collection agency. They've been pretty pushy and in the past my conversations with them have left me at a loss for actions. 

The current holder is XXXX XXXX XXXX? And the creditor XXXX XXXX XXXX. 

Can you please help me here?

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