vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or misleading advertising or marketing — 
Company: RANTAX INC
State: CA

Complaint narrative:
My tax office called Rantax frauded me out of XXXX then told me the IRS with held it because I owed but didn't give me an explanation of why I owed them for my XXXX taxes the amount they left me with was XXXX but when I called up to Rantax they told me I went up there to sign for it using XXXX of my old signature but I stated I never received it and someone must of went up there and acted as me I told him to run his camera back but he said they couldn't go back about XXXX months which I know is a lie then he text! XXXX and told me the IRS had my money I called them and they said it was sent out to him and I called him again only for him to give me the run around saying I'll give you the bank it was cashed at but never did only a refund advantage number which I know he is committed fraud

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22 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: GA

Complaint narrative:
I called Citibank XX/XX/XXXX when they said my account was being closed. They said they would mail me a check with my remaining funds ( {$860.00} ) in 30 to 60 days I called everyday for XXXX  days after that. I called a week later and then al through XXXX. XX/XX/XXXX was 60 days. I called and they are still telling me 30 to 60 days and will not mail me my remaining funds. They also will not let me transfer it to another 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 2021-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
I would like for the DIVERSIFIED ADJUSTMENT to show proof of verification that I owe them {$300.00} with ACCOUNT # XXXX. As of date, you have not provided me with a XXXX for my review and my records. I am asking that you do this now. 

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I would like for the XXXX to show proof of verification that I owe them {$4700.00} with ACCOUNT XXXX. As of date, you have not provided me with a XXXX for my review and my records. I am asking that you do this now. 

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
During a mortgage refi application with Wells Fargo, their underwriters discovered a mysterious {$200000.00} XXXX of XX/XX/XXXX put on our property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Per the attached, I found the XXXX and I don't recall ever authorizing it. But we've heard of the institution that put it there. It's called Wells Fargo Bank. 

Between XX/XX/XXXX and today, I have been writing, calling, and encouraging Wells Fargo to tell us what that XXXX is, including their XXXX XXXX ( Branch XXXX ), XXXX XXXX, and others. I understand that they are a large bureaucracy, but half a year to get an answer is just too long. 

Getting an answer is important if we ever need to sell our property. A title company would ask about the XXXX, and we couldn't take half a year to respond.

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 2021-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Netspend Corporation
State: LA

Complaint narrative:
Netspend closed my account in XXXX with {$3800.00} left in my account, Ive been dealing with them trying to to release my funds but they wont release my funds to me because they said I need a XXXX form, I got my lender to send it and they still refuse to release my funds and I been dealing with this for months.

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 2021-11-22 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: WA

Complaint narrative:
In XX/XX/2021, I signed up for the American Express XXXX XXXX. On XX/XX/XXXX, the first payment bounced because autopay was not set up correctly. The reason was that the American Express payment tab is poorly designed, so it was my impression that autopay settings from other American Express cards were transferred to XXXX American Express cards. It is not clear that the banking information needed to be set up again. On XX/XX/XXXX, I was charged an interest fee. Around XX/XX/XXXX, I called American Express to ask for the interest fees to be waived on the basis that it was accidental due to a misunderstanding of American Express ' autopay system. The agent agreed to waive the interest fees. However, the interest fee refund was never posted. Subsequently, I called back about a week later, and the agent could not find a record of the request. I asked the agent to refund the fee since it was previously promised. The agent denied the request since no record could be found. The agent said American Express would conduct a review of previous calls. About a week later, using the American Express app, an agent stated that the review could not find such a record. On XX/XX/XXXX, I was charged another interest fee of XXXX USD relating to missed payment on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I made a purchase from XXXX on XX/XX/2021 for XXXX USD. Chase had a promotion in which customers who made a purchase from XXXX during the timeframe in which the purchase was made would receive 10 % back on their card. This amount failed to post. 

I emailed Chase around XX/XX/2021 asking them to post the amount. They said they would investigate the matter. They never replied. On XX/XX/2021 I emailed them again asking for a reply. They said they would forward it to the proper department. The department replied that the purchase did not qualify, despite the transaction occurring during the promotion period. On XX/XX/2021 I emailed Chase again asking for an explanation of why the offer was not eligible and for the terms and conditions. Chase replied that " due to the time frame from when you offer was on your account the details are no longer available. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America failed to provide temporary credits although I requested so many times. XXXX stole my money 500 dollars and manager of XXXX promised to return back my money ASAP. I presented so many evidences through XXXX review of bank of America ( headquarter, XXXX XXXX ). 

I attached XXXX  statement and email response from them.

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 monetary relief
Consumer complaint received 2021-11-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America put a pending debit hold of {$880000.00} on my checking account and a hold on my checking account on XX/XX/2021. Theres was no reason for Bank of America to put a hold on my account or debit my checking account for {$880000.00}. No fraud has been committed on my checking account, and claims I made with Bank of America has been resolved by the merchant. I have my Bank of America XXXX XXXX in my possession, and no fraudulent transactions has been made on my Bank of America checking account : 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 2021-11-22 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: EQUIFAX, INC.
State: TN

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removal of the erroneous information about my accounts have been diligently neglected by Equifax. Despite sending them the last request, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my reports : TENNESSEE XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$6800.00} - Collection TENNESSEE XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$810.00} - Collection CXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Balance {$13000.00} - Chargeoff

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I would like for the ONLINE INFORMATION SER to show proof of verification that I owe them {$630.00} with ACCOUNT # XXXX. As of date, you have not provided me with a XXXX for my review and my records. I am asking that you do this now. 

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. 

Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt be immediately stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself to inform you that the items are reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. Equifax required to verify for themselves, but they failed to neither verify nor update me about these complaints. PLEASE REMOVE the listed accounts below from my report : ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: CT

Complaint narrative:
Hello, I had refund due from an Airline company XXXX XXXX XXXX ) for the tickets I had purchased with my CaptialOne Credit card. After a follow-up with XXXX for more than 1 year and intervention of DOT official XXXX the airlines gave me refund on the credit card with XXXX payments. 
But after few days XXXX charged me and took back the second refund payment. 
I reached out to CapitalOne and disputed this charge. CapitalOne reached out to XXXX on it. XXXX informed CapitalOne that second payment was by mistake and hence they are reverting it. They informed CapitalOne, that I would not get full refund of tickets. 
At this point I submitted CapitalOne the proofs and policy document of XXXX that states that in my situation ; I should get full-refund. 
CapitalOne refused to go back to XXXX company with my documentation without any reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-22 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: EQUIFAX, INC.
State: MN

Complaint narrative:
The following credit inquiries listed on my Equifax credit report are fraudulent and unauthorized credit inquiries : XXXX, XXXX and XXXX XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I purchased an insurance policy for {$8000.00} from XXXX XXXX. Payment processed on XX/XX/2021. I subsequently cancelled this policy on XX/XX/2021 and was advised the refund should have been processed to my account on XX/XX/2021. To date, no refund has posted to my Bank of America 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 2021-11-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, EQUIFAX AND XXXX HAS SOME ACCOUNTS ON MY CREDIT REPORTS THAT ARE NOT MINE/ INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself to inform you that the item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. Please UPDATE accordingly : ( XXXX XXXX XXXX  XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Owed : {$0.00} XXXX  XXXX Owed : {$0.00} XXXX XXXX Owed : {$95.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Owed : {$2200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Owed : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Owed : {$930.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2200.00} XXXX XXXX XXXX XXXX Owed XXXX {$17000.00} Date Opened : XX/XX/2021

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 2021-11-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself to inform you that the item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. Please UPDATE accordingly : ( XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/XXXX I spotted a charge on my Chase XXXX credit card for the amount of {$700.00} to XXXX. I immediately called them on the XXXX and reported the fraudulent charge. I was told the the charge would be removed and I would not be responsible for it since that card has fraud protection. That card was canceled and a new card was issued. XXXX XXXX ( not sure of the exact date ) I notice XXXX charges to XXXX on the newly issued card that were not made by any card holders. These charges were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX for the amounts of {$10.00}, {$14.00}, {$39.00}, {$180.00}, {$18.00}, {$180.00}. I called Chase and told them there are more fraudulent charges on the new card. The looked into it and saw that the charges came from the original card which was canceled on XX/XX/XXXX. I asked how was that possible since i canceled it and they said sometime with XXXX the canceled cards still work. I was told that the charges would be removed from my account and I was not responsible. 
On XX/XX/XXXX I received a letter from Chase stating the the original {$700.00} charge I would not be responsible for, but all the charges from XXXX I was responsible for. I called them on XX/XX/XXXX to find out why I was responsible and they said they were unable to get in contact with XXXX to verify the charges, but since there was other charges on that card for XXXX the I had made, they are assuming all the charges were mine. I was able to get in contact with XXXX and they were able to tell me that the charges did not come from my XXXX account, but they could not tell me any information about who made the charges. 
I received a call from XXXX with Chase and she asked for screen shots of my XXXX purchases for the time frame in questions. Those were emailed to her supervisor immediately. She called back and asked if XXXX could provide an email stating that the charges were not from my account. I provided an email from XXXX stating that charges for the amounts in questions were not found on my XXXX account. I called Chase back on XX/XX/XXXX to see of they received the email, and they confirmed they did and the case was still open. I called back on XX/XX/XXXX and they said it was still open and to check back in a week. Called again on XX/XX/XXXX and they said it was still being investigated and that they would call when it was complete. A week later and no response, it has been a month since they received all the information they requested, and the issue has not been resolved yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN, XXXX AND XXXX HAS SOME ACCOUNTS ON MY CREDIT REPORTS THAT ARE NOT MINE/ INACCURATE.

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