vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/2020 around XXXX XXXX. I got an email saying my account was closed. I didn't do this myself. I was a victim of fraud last month on this Chime account. I was given no reason why this happened an no access to over {$1000.00} in funds. No way to contact Chime via phone as the system is automated and would not let me get to anyone with my account being closed. I had to have my husband call in so I could get someone as he has a Chime account. The lady was of no help. She wouldn't let me speak and said you only can email about issues like this. I have emailed and gotten one response within 24 hours saying use the automated phone system which docent help with these issues. No live person to help me at all and no reason as why my account was closed without my approval. No my funds are held up for over 30 days and I have no way to pay for living, food, and transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESBANCO BANK, INC.
State: PA

Complaint narrative:
XXXX my husband and I purchased a house. In XXXX we file bankruptcy but not on our house. My husband died in XXXX, they said we did not have insurance for it to be paid off but we certainly did. I immediately try to remortgage to get away from this bank ( they purchased the bank from my previous lender. At that time a refinance company told me that I could not do because my house was foreclosed on XX/XX/XXXX. I'm still living here making monthly mortgage payments. My bank denies all this, they said it's not true, that they just have lien on my house. I have a friend the works at the courthouse that says there is no such thing on my mortgage. I know someone that works in a bank said shadow for closer means they own the house and I'm being treated as a renter and they can sell it out from u der me any time they want. They stopped paying my escrow in XXXX but I never found out until XXXX. They are still the agent on my escrow, but they are not paying them or forwarding the bill to me. Thank GOD for my boro tax lady. We filled bankruptcy 22 years ago, why now? I admit I was behind and struggled for many years but I am now current and have been for 4 years. They won't report my payment to the credit Bureau because of bankruptcy nor can they take me off the no mail list for the same reason. I need this investigate, because when my husband died they ask me did I take the death certificate to any branch and I said no, they then suggested that wasn't necessary but I took it anyway to my local branch by my house but they never recorded the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AVANTE
State: FL

Complaint narrative:
Avante USA is claiming I owe on two accounts one for {$2700.00} and the other for {$1800.00} they are claiming the debit is from XXXX XXXX. I filed a dispute with XXXX  # XXXX on XX/XX/XXXX. On XX/XX/XXXX XXXX  informed me the accounts were verified as accurate. I am on XXXX if I owed this it would have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX ILLINOIS XXXX CITIBANK ACCOUNT : XXXX Consumer Fraud Case # XXXX CERTIFIED MAIL XX/XX/2021 CITIBANK XXXX XXXX  XXXX XXXX XXXX  SD XXXX To Whom It May Concern- Thank you for your letter XX/XX/2021. Please note the following details ( a ) the services were not provided by the merchant ; ( b ) I contacted Airbnb to complain about the bug/rodent infested location ( even they have admitted that and have records of calls related to the same is Citi claiming that does not exist? ) ; ( c ) I provided details to Citibank about why I disputed the charges. Even the merchant policies acknowledges bug/rodent infestation is a reason for not consuming services ( though they ignore it for my case ). 

Most importantly, CITIBANK continues to violate Federal Law ( specifically FDIC Statute 226.12.z ) and provides no legal reason it does so in fact it purposely ignores my several letters specifically stating I can not resolve my dispute with the vendor and I am asserting my rights under the law to direct CITIBANK to not pay the charge. 

==== ==== ==== Thus, I am specifically asking ( and I am sure the OCC Federal Bank Examiner will also ask ) for a formal reply to I ( XXXX XXXX XXXX assert to CITIBANK XXXX the card issuer ) that I have a dispute with AIRBNB ( the transaction ) that can not be resolved and I am directing CITIBANK XXXX the card issuer ) to withhold payment to AIRBNB permanently. 
==== ==== ==== Lastly, illegally, ( you are now notified ), Citibank said a note on my credit record exists for a charge and will only be removed if I contact CITI and pay that charge. Note I am officially stating I *have* already paid CITI for that disputed charge, CITI collected the funds from me, and still wants to place a dispute on my Credit Report for a charge they already got paid for? CITI can not have it both ways, violating Federal Law, denying a dispute, getting payment for it, placing a negative entry on my Credit report, and asking me to pay again to have that removed? That is negligent intentional harm to me and my Credit - if I apply for credit and its denied due to that entry, CITI will pay damages. 

Sincerely, 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 2021-01-22 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 — Problem with personal statement of dispute
Company: MOHELA
State: LA

Complaint narrative:
Upon pulling my credit report, I noticed that Mohela reported two accounts that I have no knowledge of with the amount of {$5800.00} and {$3500.00}. I asked them for proof of verification and to remove the account for inaccuracies. I did not get either request fulfilled. The account was removed from my XXXX  report but still remains on my XXXX and XXXX with payment history inaccuracies. The payment history states that I was on time in XX/XX/XXXX, but 90 days late the following month, in XXXX. Also, from XX/XX/XXXX to XX/XX/XXXX it states that I'm 120 days late each month. How is this even possible or allowed to come back as being accurate?! This violates the FCRA and I need this account remove promptly as it is not a clear representation of my creditworthiness. I have attached the files to show proof of the inaccuracies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: NJ

Complaint narrative:
I do not agree with the results of a capital one credit dispute case [ XXXX ] we opened for the charge of {$1000.00} in the end of XXXX for the XXXX tuition fees as we did not receive the service from the merchant. 
Merchant charge our credit card as they had in their possession with a promise of service when school reopen, but school was closed and they told us that fees of XXXX tuition fees will be adjust next month but as the government decide shut down the state the school was closed for next few month and we decided to take the kid out as this was his last year. 
Capital one has not done a fair review of the dispute case we opened, even after I have shared all the email communication I received from merchants about the credit they promised by the end of XXXX but when they failed to do so, I opened the dispute with Capital one. Capital one has clear communication that the merchant promised and failed and Even while we were on call with the merchant and capital one dispute supervisor merchant agreed that they will refund but dont have any date for it and want us to follow up after 6 month which Is not fair as in XXXX it would be year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: WI

Complaint narrative:
Jeffereson Capital Services LLC is coming after me for a overdue phone bill that shouldve fallen off my credit report. Theyre reporting the wrong dates and are still coming after me after the debt shouldve fallen off. The amount owed is around XXXX usd. This happened years ago. This old debt shouldnt be on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent off two notarized dispute letters on XX/XX/XXXX and XX/XX/XXXX. It has been over 30 days and I have yet to receive a response from Experian. With that being said under the FCRA, if an investigation is not completed 30 days after receiving a dispute letter, they must delete all of the unverifiable and inaccurate information contained within that dispute letter.

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 2021-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AES/PHEAA
State: IL

Complaint narrative:
My student loan were disputed and removed however its still showing 7 late payments on my credit report. These 7 late payments are appearing from from a reported sources that was removed from my credit. So I would like these false late payments removed from my credit report. There was no late payments because I was on an income based payment plan and my payments were XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX2020- I sent {$160.00} via cash app to purchase goods. The goods were never received & several attempts to contact the seller were ignored. Cash app has no available dispute options and my bank is refusing to assist with the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/XXXX I receive a letter about a credit card debt from Resurgent capital services about an alleged debt on XX/XX/XXXX I send a verification letter asking them for proof and also stated the I did not want to be contact from the until the debt is verefied as mine. They continue to contact me after the letter was received on XX/XX/XXXX. 
This are all the date about email they were sent to me XXXX XXXX XXXX  via email XXXX XXXX XXXX  va email XXXX XXXX XXXX  va email XXXX XXXX XXXX  va email XXXX XXXX XXXX  va email ( XXXX XXXX XXXX ) XXXX XXXX  va email XXXX XXXX XXXX  va email They receive my letter on XX/XX/XXXX the keep contacting me via email on XXXX XXXX XXXX  ( day after letter was received ) XXXX XXXX XXXX  va email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: FinCo Services Inc DBA Current
State: NC

Complaint narrative:
My card is this transaction is with the company called Current whos issuing bank is XXXX XXXX XXXX. I am still trying to resolve a gas station hold of {$75.00} since XX/XX/2021. I did not even make a transaction at the pump and they still held my funds. When I try reaching out to them they only have a chat support. They do have a phone number but you can never speak to anyone, you have to leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Store credit cards, specifically XXXX and XXXX, do not allow for auto pay or recurring payments. This is an issue for someone such as myself who is attempting to take care of bills for an elderly member of the family. This is not a difficult feature to add. I feel like it should be mandatory to offer an auto pay feature. The stores that do not are likely just hoping that you forget to pay the bill to charge you the late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Some been applying for credit cards using my information and some applied for a car using my information.

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 2021-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Ive tried various time to sign in my XXXX XXXX and when I do it says that an alternative email was used to Register, which is an email Ive never created. Next, I tired adding my phone number in order to get a security code but it also stated that there was another number registered to my account using my social security Number! 
Another problem I encountered ... I currently have 4 accounts active and on my capital one bank app. It states that I have 7 accounts and I seen that there was a credit card taken out under my information coming from the state Missouri which is obviously a Fraud! How can you help me log into my XXXX XXXX and how can u protect my personal information from this person in another state that got into my account! I need assistance ASAP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: GA

Complaint narrative:
In spring of XXXX, we refinanced using XXXX  and our loan become serviced by The Money Source ( TMS ). No issues at the start. Fast forward to the fall of XXXX when we received our tax bills. We uploaded them into their system as requested. 

Despite us paying into an escrow account as originated in the loan, TMS failed to pay our taxes due on XX/XX/XXXX and XX/XX/XXXX. We noticed the money had not come out of the escrow account in XXXX and call TMS to inquire as to why it had not been paid. 

XX/XX/XXXX : Contacted TMS. Was told by their customer service team that when they set us up in the system, they incorrectly set up the account as a non-escrow account. This was an error on their end that they needed to correct in their system to process the payments. We were told they would call us back within 24 hours. 

XX/XX/XXXX : We did not receive a call back as promised. Called the customer service line again. This time, we were told the exact same thing and also told that no ticket was made to resolve the original setup issue. I ticket was put in at this time and we were told we would receive a call back within 2 days. No call was every received. 

XXXX, XXXX : My husband called back again. He was told that the setup issue was resolved and that if he uploaded our tax documents again, they would be paid immediately. 

XXXX : We received a notification from the county that the taxes has NOT been paid and they were going to place a lien on my house if they were not promptly paid. In addition, they're charging a 5 % late fee. We called TMS again. We were told that the system error has NOT been resolved and that needed to happen before taxes would be paid. We explained the situation at length. Spoke with both customer service ( twice ) and the tax department. Not only could the not resolve the issue, they didn't have anyone to escalate it. Once again, I was told they would call us back the next day. I told them that at this time, that was not an acceptable answer ... this needed to be resolved TODAY. This was an issue/error on their part and we, as the consumer, should not be responsible for their inability to do their job as our loan servicer. Despite this, I was left on hold by the tax department for 30 minutes when I was eventually hung up on. 

XX/XX/XXXX : At this point, we have exhausted all avenues of support available to us via TMS and their support line. We are not sure as to resolve this issue. The money is available in the account and payment needs to be issues immediately. We will be looking into legal action against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC
State: OH

Complaint narrative:
To whom it may concern ENHANCED RECOVERY CO # XXXX is an account that was legally discharged in a bankruptcy USBK COURT XXXX OHIO Docket # XXXX. Please delete this account at once it is an error!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I have received at least 56 calls that I have kept track of since XX/XX/XXXX, and I received numerous calls prior to that date, from Transworld Systems. In addition, the calls have been escalating since the beginning of the year, with an additional 8 calls, the most recent of which was received on XX/XX/XXXX. No amount is ever communicated and no information is given to identify the alleged debt - only that they are attempting to collect a debt. I have tried to return the call ; however, I have never been given the option to speak to a person. Every communication is a recording which leaves a telephone number ( XXXX ) and the name " XXXX XXXX. '' I have never been able to reach a live person at the contact number given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: HYUNDAI CAPITAL AMERICA
State: MI

Complaint narrative:
I turned in my lease with Hyundai on XX/XX/2020 and had perfect payments until after I turned in my lease, as I was on autopay. As of XX/XX/2020, my credit report stated I had two late payments for XXXX and XXXX. I contacted Hyundai Motor Finance, end of XXXX when I was notified. Due to Covid, it took several attempts and over a week to get in contact with anyone. When I was finally able to speak to a human on XX/XX/2020 with Hyundai Motor Finance, I immediately paid the outstanding balance they never took out of my account for my last month of owning the lease. They never informed me they shut off my autopay without my knowledge and it began to negatively affect my credit. I also found out through this process that XXXX XXXX ( where I turned in my lease ) and Hyundai Motor Finance are two separate entities and do not communicate. Therefore, it took even longer to try to resolve this issue between the two companies and their lack of communication. For example, I spoke to XXXX XXXX and they informed me everything was fine on their end and I had a {$0.00} balance. Then I received a late payment confirmation from Hyundai Motor Finance and was informed otherwise. Covid really took a toll on this situation as well, as I was unable to speak to anyone after many attempts and several weeks. I ask that you review my entire credit history, in addition to all my payments with credit cards and Hyundai specifically. I have never had a single late payment until 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 2021-01-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: GA

Complaint narrative:
I applied for a VA loan after prequalifing and was tentatively approved. I sold my previous home and had no debt and a credit score of XXXX and excellent loan to value. Veterans United kept asking for documents which were provided at least three times and could not get the facts straight. they kept sending diclosures indicating I had not sold my previous home and escrowing amounts above that allowed by law ( two months ). the day before the closing, they had not finally approved the loan and I decided that I had no choice but to pay cash which I had from sale of previous home. 

I then attempted to get a VA loan to take advantage of the rates and have my cash back from the sale of my home. I was denied a VA loan. 

I am 100 % XXXX Veteran. 

The actions of Veterans United is vindictive, incompetant, and criminal.

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