vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Hi, I had fraud committed against my account several times in XXXX and XXXX and Citibank did work with me to retrieve the funds. I received a notice on XX/XX/XXXX that my account would be closed on XX/XX/XXXX due to exceeding my monthly electronic transfers between my savings and checking accounts. I contacted Citibank and explained that I was doing this out of fear of having fraud committed against my checking account so I was keeping my finds in my saving account until needed and then I would transfer to my checking account. They understood this and confirmed that my account would not be closed due to this and they notated the account. They did not have a confirmation number for m since they do not do that. Two weeks ago I was advised out of the blue that my account is frozen and will be closed in XXXX. Nothing would come in or out of my account. Unfortunately my paycheck of $ XXXX was already sent to Citi for XX/XX/XXXX and Citi advised it would be returned. This was never returned and on XX/XX/XXXX I noticed it in my account but I can not withdrawal or transfer it out. I can not touch these funds I need very badly and Citibank continues to give me no or false information and says I will need to wait 30-69 days for a check. They are holding these funds illegally and should not have accepting them in the first place. They sent a letter on XXXX that said I could go to a branch ( very hard to find in my area due to COVID-19 and get a check issued to me there for my funds ... .I went to XXXX XXXX , NJ and they contacted Citi 's Fraud unit who locked the account and the manager ( whose name I was not provided or number ) advised the personal banker that he could not issue my funds and I had to wait for the process and gave no timeframe. I have no money and a family ... .I live paycheck to paycheck. Other items are bouncing and my credit affected. This needs to be resolved immediately I don't even have gas money. I was most recently told by Citi to open a new checking account so I can transfer the funds to it at a branch. I opened the account XX/XX/XXXX and plan to find another branch ( far away I am sure ) tomorrow but someone at Citibank Customer Service told me that was bad information and it would not work. All I get is wrong information and simply want my money ; I have done nothing wrong. Please assist. 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 2020-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Visa. I have on repeated occasions, at least four, over the last several weeks attempted to get copies of my monthly statements for XX/XX/XXXX through XX/XX/XXXX. These statements are not available online. 

Wells Fargo has promised me they will mail the statements and fax them to me but they never arrive. Each time they say to give them 3 days to arrive via fax but they don't arrive. We even tried working through our local Wells Fargo branch and they called on our behalf and even provided their fax number to their credit card department but also to no avail. 

Thank you for any help you can provide. We have run out of options to try to work with them to get us the information we have requested.

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 2020-06-28 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: CCS Financial Services, Inc.
State: WA

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 haven't received any investigation results.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2020, a Sunday, I noticed my Paypal account was showing 10 unauthorized transactions. They were occurring even as I looked at my account online. 
They were for items mostly around $ XXXX dollars for distillery product, groceries, XXXX, XXXX, clothes, and more. The total was around {$230.00} before I could change my security settings such as pin, password, and add a code by phone prior to use debit card. I had my debit Mastercard and nobody else had a copy. Nobody else was given my pin for the card either. It was like somebody had my card and pin in a store and was buying things. It appeared to be an inside hack job or maybe stole a skim for my Paypal debit master card. I reported this to resolution. I tried to call Paypal to report some unauthorized activity but no live person was available. The activity stopped after I changed the pin or increased security measures that evening. I had not used my Paypal card for several days prior to this. I have not used it since XX/XX/2020 either. 
The next day my personal bank account began receiving charges from Paypal. It is strange that I did not have my bank set for auto back-up as the activity was occurring. Yet the charges were forwarded to be paid by my XXXX XXXX account. I reported to XXXX immediately to block these unauthorized charges. Eventually, XXXX did it and would not allow Paypal to transfer charges to my bank account. I did not have my bank pay any charges and have blocked them from getting to my personal XXXX account. I have tried to close the account with Paypal. There is a credit of about {$35.00} in the Paypal account. I do not care about that since I had not used it for any of the unauthorized charges. My account is " Limited '' by Paypal and they even wanted me to give them my PW for my XXXX account and a copy of my statement. It is apparent that Paypal is not accepting the activity on XX/XX/2020 as unauthorized. I am surprised by this since Paypal had generally been helpful for many years as a safe way to do online transactions. Paypal is not allowing me to close the account online. I have written a half dozen messages to explain to me how this could happen. They do not respond and just leave the account dangling in a " Limited '' status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This company bought a small debt to a credit card, they have been keeping calling with treating and sending letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-28 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-06-28 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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 — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2019 I signed up for a $ XXXX/month temporary office at XXXX XXXX XXXX location, commencing XX/XX/2019. 

Despite only being there for 3 months -- XXXX, XXXX and XX/XX/2019 -- which should have totaled around {$4500.00} ( {$1500.00} XXXX XXXX ), the merchant has billed me {$6600.00}, an overcharge of nearly 50 % more. 

I disputed this overcharge and the merchant has bombarded American Express with different sets of alleged receipts/records that differ not only in amounts charged, but the name of the invoice as well -- i.e. XXXX XXXX to XXXX XXXX. 

Notwithstanding the erroneous documentation, this is a very clear cut matter. I was a tenant for 3 months at XXXX XXXX/month : XXXX XXXX {$1500.00} = {$4500.00}, not {$6600.00}. 

The merchant has also ( 1 ) added alleged cleaning fees to an office that was left in pristine condition, and ( 2 ) if the XXXX charge did, in fact, include a retainer/security of {$1500.00}, that is problematic, as this amount has not been returned to me. 

The merchants shady business practices of charging unsupported fees, not returning security deposits, and billing unauthorized amounts is well-documented on the internet. 

In fact, the merchant has lost multiple lawsuits in several states regarding its deceptive and unlawful business practices. 

I agree to pay {$4500.00} plus any applicable taxes and not a XXXX more, and expect to be refunded approximately {$2000.00}. 

Despite all of the corroborating evidence I have supplied to American Express they refuse to protect me from this overcharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I used to have a title loan from XXXX it was delinquent first delincuent on XX/XX/2013 and charge off since then I didnt make any payment on this account but, for some reason ( fraud ) from this company it is showing Im making payments on this account which Im not for the past seven years what they tried to do is keep this account another seven years on my credit report it is agains the law to do this. I need this company to removed this account from my credit report this company is a rip off and doing fraudulent charges on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I attempted to request a copy of my Experian credit report online, but I was told that my identify could not be verified. I had the same problem with XXXX  and XXXX  - I called XXXX, and they told me they had a SSN on file for me that was off by one digit ( ex. XXXX instead of XXXX ). I think the same problem may have occurred at all three credit agencies, but XXXX  would not tell me what the verification issue was. 

I attempted to call Experian to talk to a person in customer service, but EVERY SINGLE NUMBER I CALLED FOR EXPERIAN just gave me an automated message menu with NO chance to talk to an actual person. I have tried calling over 15 numbers on over 30 total occasions : each one results immediately in the same menu. I mailed all 3 credit agencies on XX/XX/20 explaining that I had reason to believe they had the wrong SSN on file for me. 

I have only received something in return from Experian, which sent me a " Dispute result '' form ( which I have attached ). I attempted to access my dispute report online as directed by clicking " View results of a phone or mail dispute '' at https : //www.experian.com/disputes/main.html. However, I could not access this dispute report because the mail I received from Experian did not have the " Dispute ID '' prompted online ( see attached screenshot ). Thus, I have found no way to communicate with Experian besides sending another letter, which I imagine will be met with the same non-actionable response. 

I am frustrated that Experian has made it literally impossible for me to find out why my identity could not be verified with them. I have tried every method I can think of in order to contact them, but I have had zero success. XXXX  and XXXX, though, were very easy/simple to contact a real person.

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 2020-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I applied for a mortgage back in XX/XX/2020 and this is when I discovered I had some fraudulent items on my report. I contacted all three credit bureaus and I informed them that these items did not belong to me and asked that they are investigated and removed from my report. In XX/XX/2020 I received a response from all three agencies and XXXX  could not verify the item and it was removed. However, XXXX  and Transunion did not remove the items and told me that item was verified. I sent another letter in XX/XX/2020 asking for proof of verification, including who they talked to when they verified accounts and what information was used to verify my items. I received a response letter in XX/XX/2020 from XXXX   and Transunion stating that they would not tell me how items were verified and that I could add a personal statement or contact the collection agency. I contacted the collection agency in XXXX and never received a response. I am sending one last letter that will accompany a copy of this complaint to XXXX  and Transunion. This letter will be received by them by XX/XX/2020, and it will be sent certified mail. This letter explains that the items in question were removed from the other agency and that there is no way they could of properly verified the information and the other agency working within the same time span could not. I feel I have no choice in this matter but to file a complaint because the credit bureaus have not in my opinion done the proper due diligence. I am not sure how my information got into the hands of someone else to open accounts that are not mine, but I am in the process of hiring an attorney to help me figure out what to do about identity theft issues if I have no idea who did it or where they are located.

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 2020-06-28 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I took out a loan w exeter finance thru a new car dealer - I paid XXXX XXXX in finance fees - I paid 3 payments - before schedule- I went in hospital with XXXX- XXXX XX/XX/XXXX XXXX I thought the loan was auto pay - it was not In XX/XX/XXXX - my car was broken into through front and damage was XXXX - my insurance - XXXX sent me a check made to exeter finance and myself - I called exeter and explained-I asked to endorse check and send to exeter and said apply 2 payments - XXXX per mo x 2 from check - apply coverage to acct or send to me - exeter agreed and I said I'd XXXX to them - I did and it was received next day - I called and they said they did receive- Now there saying they would return check to me - but held the check - saying they need repair bill - per my attorney XXXX XXXX- she sent them demand letter to return check or apply to my acct - Exeter reported to the credit bureau late payments twice causing my score to drop 100 points and my credit cards interest to 22 % Costing XXXX est - They sent me a letter saying they reported correctly- Exeter is defrauding me - lying to me - On a recorded line they said they would apply to my acct - I paid XXXX XXXX Now ruined my credit by fraudulently reported inaccurate to all 3 bureaus There still holding my check from XXXX XXXX says they will see if they can issue new check- supervisor checking Not the 1st time w Exeter issue XXXX replied Cfpb has numerous complaints on exeter concerning fraud - I want the payments applied to account or check returned I sent in additional payment XX/XX/2020 I want my credit corrected or I'll sue exeter For false pretence and verbal fraud of financial instrument -

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: Army and Air Force Exchange Service
State: FL

Complaint narrative:
After contacting XXXX  credit to dispute Military Star account, that was in good standing since XXXX and paid of in XXXX of XXXX, XXXX updated the dispute and made is worse. Now my report shows delinquent account payments from XXXX until XX/XX/XXXX, when I disputed it. The account has been closed and paid in full with good standing, on time payments since XXXX. It was officially closed and paid fully by XX/XX/XXXX. This was done in this manner, so I could purchase my first home with no outstanding debts. I closed on my home XX/XX/XXXX. There should be no negative comments from Military Star since 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 2020-06-28 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: NV

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-06-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ

Complaint narrative:
https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-amerisave-to-pay-19-3-million-for-bait-and-switch-mortgage-scheme/ They are still doing this they take a {$500.00} fee, and you never here from them again, or they just tell you your property doesn't quailify. Of coarse the keep the money Told me it would be refunded in 7-10 days that didn ; 't happen told me to have the bank reverse the charges I did that, and they filled a claim to prevent it.I 's all baseed on lies.They took money out of my account on the XXXX XXXX XXXX https : //www.consumeraffairs.com/finance/amerisave_mortgage.html. just read the complaints it's wide spread fraud again.Same people smae fraud a different year.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have a complaint against IC Systems Inc in XXXX XXXX Minnesota they're collecting on a XXXX debt I have a letter from XXXX which states if I return my equipment they would not pursue any collection I returned my equipment and now here I have this collection on my credit report I sent that letter to the company as well as XXXX  and they are still leaving it on my report a 2nd problem I have is they say i opened this account in XXXX which I did not it was XXXX also the collection has it as opened in XX/XX/XXXX none of that is true.

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 2020-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
About the time the pandemic started, netcredit suspended my line of credit despite my having paid 1000 % the required payment. The company emailed me, while having a perfect payment history, that my line of credit was suspended due to the pandemic, yet didnt offer a reason my line was being suspended. I contacted them. They said in not so many words, tough, you still owe XXXX XXXX Since they did that, I suspended their ability to draw out of my bank account. Afterwards, they made making a payment XXXX near impossible. They also gave relief to COVID affected customers but not to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: NV

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation