vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Amex charged me a prorated annual fee for an account that I haven't used in a year and which it tricked me into keeping open for 3 wks in XX/XX/XXXX while it falsely claimed for a second time to investigate a promotion dispute I first initiated a year ago. I previously filed a complaint w/ CFPB Complaint Number XXXX. Amex 's response failed to address the complaint at issue -- the prorated annual fee for the three weeks that it tricked me into keeping my acct open for an investigation it now admits it never conducted. 

On or around XXXX XXXX, I called Amex to close my account for which I was charged {$95.00} for the next year 's annual fee. I inquired about a promotion bonus that I was owed from a year ago. Amex rep XXXX XXXX confirmed that I met the terms for the bonus miles ID Dispute XXXX. He put notes on acct. XXXX stated that he's also including {$95.00} annual fee in the dispute to be waived. 

While the promotion dispute was being reviewed ( Amex now admits that it lied twice about investigating this ), I asked Amex to change the card to one w/o an no annual fee but Amex warned that bonus miles might not be credited. Amex advised that I have to keep the card as Delta Gold. My  concern was that if I don't close the card within 30d of the annual fee charge, Amex won't ever credit it. Amex XXXX assured me that it would be credited when the XXXX bonus miles are credited. 

Amex now admits that for the second time, it LIED about investigating my dispute. While it was supposed to investigate, Amex tricked me into keeping the acct open which I tried to close or convert to a no-annual-fee card. 

Amex tricked me into leaving my acct open for 3 wks for an investigation it never conducted and now charged me a prorate annual fee for those 3 wks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG HOLDINGS INC
State: GA

Complaint narrative:
I just received an email last week and updated, or thought was an update on a account that said a payment didnt go through, okay I was thinking what the heck. I pay my bill every week! I answered that email with the payment issue that I was thinking what in the heck are you even talking about. I thought it was fixed then get another email today saying their was a problem with my account. Once again what in the world are you talking about. Well the guy says I have {$180.00} in return fees. Okay, wait a minute WHAT? I come to find out the card you are all running is a card that had to be reissued by the bank due to a fraudulent charge back at the XX/XX/XXXX. Okay, I was told I had been called about it. Well I personally didnt get any phone calls as its hard for me to answer my phone, so no voicemails either. The next form of communication is mail not email, but mail for which I never received anything and I responded to both emails. Thinking everything was still right. You all charged me {$180.00} in chargeback fees for a card that wasnt even working, because fraudulent behavior on the account. I never noticed it not coming out because I have quiet a few transactions. I asked about this chargeback fees and said do you take my payments out on a Friday he said yes and I said there is no way thats when my husband gets paid and their is ALWAYS money in the bank even if not on a Friday. Mail, you couldnt have sent me something by mail, for which you did not. {$180.00} in fees on a card that was no longer working. You could have sent me a piece of mail yeah never did and I responded to the two emails. I paid my {$160.00} odd dollars to catch up and also that {$180.00} fee. You did them offer me pay out at {$500.00} the actual merchandise was barely {$250.00} not counting what you had already collected with the right account information and I also put money down. This is shady, very shady! I dont have a choice but to warn others, even the XXXX. I cant notify you if I dont know whats going on. No mail and two emails I did answer. UNACCEPTABLE, because I do not run my finances like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: EOS Holdings, Inc.
State: NY

Complaint narrative:
I'M A VICTIM OF FRAUD AND IM REACHING OUT TO HELP ME IN EXPEDITING THIS MATTER WITH THE CREDITORS AND THE CREDIT BREAUS. HERES THE LIST OF ACCOUNTS ACCOUNTS -XXXX XXXX - {$300.00} XXXX XXXX XXXXXXXX XXXX - {$8600.00} XXXX - {$8600.00} XXXX XXXX - {$1700.00} XXXX XXXX -XXXX XXXX XXXX - {$540.00} -XXXX XXXX {$320.00} -XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX  XXXX {$210.00} -XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I'M A VICTIM OF FRAUD AND IM REACHING OUT TO HELP ME IN EXPEDITING THIS MATTER WITH THE CREDITORS AND THE CREDIT BREAUS. HERES THE LIST OF ACCOUNTS ACCOUNTS -XXXX XXXX XXXX {$300.00} -TOYOTA XXXX XXXX XXXX  - {$8600.00} XXXX - {$8600.00} XXXX XXXX - {$1700.00} XXXX XXXX -XXXX XXXX XXXX - {$540.00} -XXXX XXXX {$320.00} -XXXX XXXX XXXX - {$320.00} -XXXX XXXX XXXX XXXX {$210.00} XXXX OF XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: CO

Complaint narrative:
TransUnion state that this account was included in a BK and it was not.

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 2019-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Its things from over 2 years ago this is fraud I had no idea about this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Around the week of XX/XX/2019 thru XX/XX/2019, my account was hacked. Some fraudulent activities were spotted which caused concern with the security team. Unbeknownst to me, my account was blocked off, and actions were taken by the banking institution to further stop the fraudulent activity on the account. No one contacted me on the matter. I was trying to retrieve funds the week after when I noticed that the account was blocked. I immediately called said banking institution, CAPITAL ONE 360, concerned asking for details on my blocked account. Several questions were asked to confirm my identity. Everything was confirmed, then they explained the matter. I wasnt aware of what was going on, or what was done. They then flipped the script and tried to blame me for the security risk. They victimized me and played the blame game. I then asked for my banking relationship to be terminated, which they happily agreed to. I asked to have all incoming deposits made to the account blocked off while they still investigate, which they agreed to since I get my direct deposit to this account. CAPITAL ONE 360 is still allowing my funds to go into the hacked account. My employer cant stop any deposits into the account until they can confirm with the bank. CAPITAL ONE 360 is now refusing to give me access to the account, withdraw my funds and wont allow me to transfer my money out of the account. No one is answering my calls, the security team wont get back to me on the matter. My money doesnt even show up on records when I try to log in. Something very fishy is going on, and Im highly concerned. My money is being taken and held by the bank. No one is responding to my calls, the customer service line doesnt know where my funds are located or being held. Im in dire need of help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I contacted Wells Fargo regarding a credit card account opened under my name back in 2015, an account used by my mother whom did not pay off the outstanding balance resulting in a charge off. I contacted Wells Fargo to settle for the asking amount and prompted them to update and contact the credit bureaus to remove the derogatory account off my credit report. However, they did not. I initiated a dispute through XXXX  yet the issue persists. Now my credit report dropped from XXXX to XXXX on XXXX credit reporting.

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 2019-02-23 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
Last XX/XX/XXXX I submitted a complaint : XXXX I was unsuccessful in my disputes with the credit bureaus to update my account with the payments I was making to the account. In XX/XX/XXXX, I  contacted the company to accept their offer to settle the account and update my credit report. 

On XX/XX/XXXX I sent the following letter to Santander Consumer USA. 

I recently obtained a copy of my credit report from your agency and found the following items to be in error : Condition : Derogatory Status : Collection/ Charge off Remarks : Charged off as bad debt / Profit and Loss write-off Balance : {$1100.00} Please be advised that on XX/XX/XXXX, Santander Consumer USA extended an offer to waive the remaining balance on the account and report the account as Paid/Closed, was a Charge Off. I declined the offer at the time. My goal was to make the regular installment payments to pay off the full balance and have those payments reported on my credit report. 

The offer stated that if I wanted to accept the offer I could call at any time. I did contact Santander in XX/XX/XXXX to inquire about this. After some time they did find the offer and stated your company would follow through with the original offer from XX/XX/XXXX. 

However, I received a Settled in Full agreement letter which was not the agreement we had. Settled in Full is different than Paid/Closed as was agreed in the offer. I request that the following changes be updated to all reported credit bureaus : Condition : Closed Status : Paid Remarks : Was a charge off Balance : {$0.00} As of today I was notified by XXXX of an update on my credit report. However, again, Santander did not follow through with what they had promised. The account condition is listed as 'derogatory ' instead of 'closed '. The status lists 'Collection / Charge-Off ', balance : '0 ' ( correct ) and the remarks were updated to : 'Payment after charge off/collection|Paid profit and loss ' instead of 'Was a charge off ' as they had promised in their response to the original complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: ID

Complaint narrative:
Reports show open account when recent XXXX XXXX should close all accounts. 
All education accounts should show IN GOOD STANDING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Have not received bill in years from them at all

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 2019-02-23 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: ID

Complaint narrative:
Reports show open account when recent chapter XXXX should close all accounts. 
All education accounts should show IN GOOD STANDING.

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 2019-02-23 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: ID

Complaint narrative:
Reports show open account when recent chapter XXXX should close all accounts. 
All education accounts should show IN GOOD STANDING.

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 2019-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hi, My name is XXXX XXXX and have been a customer at XXXX XXXX for the past couple of years. Last XXXX, few of my pay checks were stolen from my car. I had, however, deposited all these through remote deposit option via my cell phone. The concerned pay check in discussion is check Number XXXX, CITI BANK for the period XXXX to XXXX which was made by my former employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I made the check deposit using remote option on XXXX via my cell phone. 

In the month of XX/XX/2019, I found that {$1800.00} had been cut from my XXXX XXXX account. After inquiring with XXXX XXXX officials, I learnt that the above mentioned pay check XXXX was submitted at a Citi Bank branch on XXXX. I tried to speak to Citi Bank officials but they said they could not do anything since I was not their customer. I testify here, as I repeatedly told both XXXX and Citi bank, that I never used or made use of any other party to submit the pay check at Citi Bank. 

I called and met in person with XXXX XXXX officials, but my pleas fell to deaf ears. The bank manager nor the customer care helpline were of any use. I consider myself to have been cheated by theft. One,  Citi bank issued the money to the impostor without verifying an ID, because all my ID cards are safe with me. Citi bank took money from XXXX XXXX .Second, XXXX XXXX cut money from my account without informing me or even bothering to ask me the case at hand. I feel unsafe about my money and consider this a deep threat to the very foundations of our great nation. 

I appeal to the bank CITI BANK ; XXXX XXXX officials to resolve this matter at the earliest. Failing this, I will have to go to higher authorities. It is no longer about the amount of the money anymore, but about self integrity and living peacefully thinking that our money is safe in the countrys banks. 

Thanks, 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 2019-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: HireRight Solutions, Inc.
State: NV

Complaint narrative:
After applying for XXXX XXXX, I was told I would go through a background check. The company that issued the background check was HireRight. One of the employers I listed was XXXX XXXX. I listed that I worked there from XX/XX/XXXX to XX/XX/XXXX. I also listed that I went by my maiden name while working there and that the company is also known as XXXX XXXX because XXXX XXXX was bought out by XXXX  XXXX. Well instead of HireRight looking up XXXX XXXX first, the background specialist looked up XXXX  XXXX and didnt find anything. They reached out to me regarding the situation and I wrote emails and called several times to explain the two different names. HireRight never ran a verification for XXXX XXXX with my maiden name and date or birth.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX. I noticed my bank account drained from XXXX transactions. I called the bank and was told not to worry and that my funds will return next 10 business days. I expressed to them I had bills and other things to pay they assured me not to worry. On XX/XX/XXXX I received an email denying my claim. I feel bank of america failed to protect me as an customer. Also I agree they are in violation of Reg E federal law, protecting customers on unauthorized transactions. Please help recover funds 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 2019-02-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
My complaint is about my HOME depot credit card. 
I paid my balance off of {$78.00}, in XXXX XXXX this left me with a XXXX balance. 

I relocated to an other state on XX/XX/XXXX, I went to local Home depot and bought some supplies and also ordered some on line. 
On XX/XX/XXXX I receive a statement from Home depot, stating I am past due! 
According to home depot, their billing cycle ended on XX/XX/XXXX, and they sent a statement out that was due XX/XX/XXXX. I never received that statement, BUT I did receive one on XX/XX/XXXX. 
Home depot 's states it's not their fault if USPS did not deliver my statement. 
After reviewing my statement first charge posted is XXXX XXXX and a second on XX/XX/XXXX. So how could they even have been on a STATEMENT CLOSING XXXX XXXX? 
Then I was told I had a cease and desist on my account, and they were not allowed to call me, First I have never in my XXXX years ever heard of such a thing on a credit account, I asked when it was put on and by who? 
I was told it may have been put on it XXXX they were not sure and did not know who had put it on. 
I called back and asked for a supervisor, and was told it was put on, XX/XX/XXXX my the prior agent I talked to. DA! 
Then I WAS TOLD purchases were made on XX/XX/XXXX, but my statement has first one posting on XX/XX/XXXX. 

WHY SO MUCH MISINFORMATION? 
WHY SO MUCH OF TELLING LESS THAN THE FACTS? 

FACT ONE I did not receive a statement until XX/XX/XXXX their fault my fault USPS fault it doesn't matter. 

FACT TWO I have no idea what a cease and desist on a credit account is, and I never had one put on so WHO DID AND WHY.

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 2019-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I orginally took out a student loan for amount of {$2000.00} in 2010. With the accrued interest the balance is over {$3300.00}. Also it includes every school I have attended thereafter. However they are not reporting my accrued interest correctly so when I file my taxes, it seems as tho i am only paying in the principal amount. Accrued interest is calculated everyday however they are reporting it incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On Friday, XX/XX/ 2019 I transferred {$130.00} from my XXXX account to my Suntrust account. The money has subsequently been stolen by Suntrust ( they do not recognize the transfer despite XXXX saying the transaction was completed and my funds being missing ).

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 2019-02-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Regional Management Corporation
State: SC

Complaint narrative:
Called one of the references on my loan account at XXXX XXXX  central time. And left message regarding my debt. Regional Finance  from XXXX, XXXX calling a reference in XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These all need to be verified for accuracy. This is the companys job to investigate their validity. My information was breached by several companies and these are not my inquiries. They need verified and if not verified, they need removed

Company response to consumer: Closed with explanation