vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hello My name is XXXX XXXX I have credit card for the limit of {$4900.00} with Capitol One I have had the card since XXXX, I have good payment history until the pandemic hit I experienced fraud so I used my card to survive at the time. The compliant I am submitting that Capitol one have been providing misleading information about my card and about programs I was told that I had 180 days to get my card together and that I was only at XXXX days. I was told that I could still utilize my card and it was not canceled. On XX/XX/XXXX I called in after making payments to get me current I was told it was a rule called the XXXX  day rule that they permanently restrict the account. This was my first time hearing this they had been telling me that my account is open, its being reported open to my credit as well adding high interest. I asked them for information to support what they were saying. I was sent a credit card agreement that never stated XXXX day rule it states XXXX day rule. So then I asked so why would you guys sit there and report the card open and I am not able to use it? Nothing in the agreement or on the website states anything about restrictions or soft closings. The account specialist did not have much information to provide she could not answer any of my questions, all of them gave different information, then they based the decisions on computer system but could not explain the results. I was also told that because I had them on do not call they did not tell me about any programs to get me on track when I called capitol one and asked. I had been calling them for months it was no letters sent out to support any soft closing or restrictions information, they then went and updated my account after being on the phone with them for hours saying it was restricted. I have pictures and also the credit card policy along with pictures I took off line. I feel discriminated against and believe they are practicing misleading scams on reporting accounts open they have closed to sit and build up interest with notifying the customer the account is closed, I have been calling them for the last 8 months. I was never notified of restrictions and now that I called and spoke about it they have put the notification up on my app. I have attached photos and if you need to see the timing of the pictures I can send them as well I screened shot them from cell phone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CarMax, Inc.
State: FL

Complaint narrative:
Provided only one way to payoff loan ( mail certified check to a po box ). Once I submitted payment, lending organization states they have not received. Not being able to confirm payoff has allowed the lender to continue to receive monthly payments and hold on to Certified Check issued from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I transferred {$2500.00} to my Paypal account on XX/XX/07. On the same day, I attempted to transfer it. PayPal instantly put the transfer on hold and asked for my picture and driver 's license number and myself. After waiting 24 hours to the minute the transfer was then denied. I attempted to transfer out again and all funds were placed on hold and they won't give me access to any of the money in my Paypal account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have Bank of America Business XXXX XXXX account. It's so difficult to work with this bank- totally inefficient, large, long wait times and good for nothing customer service folks, useless processes. 

Can you imagine, that if one want to send money in and out of this account - there is no ACH? There is no free checks? There is no easy way to setup XXXX. 
How in the world, this useless and totally inefficient bank is forcing the customers to have a debit card to use XXXX - i never heard of that.

Even if debit card is required - enable online debit card order - rather then letting the customer wait for 30 minutes on the chat and 15 minutes on the call. 

Very basic information like account # and routing # is not accessible.

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 2023-03-08 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: CITIBANK, N.A.
State: DE

Complaint narrative:
On XX/XX/22, I went to a gas station in XXXX, XXXX, XXXX called XXXX XXXX  XXXX. They wouldnt take my credit card at the pump, so I had to go into the store to pre-authorized XXXX  XXXX  for gas. I filled up XXXX dollars worth ( I do not remember the exact amount, but I was only topping off a small tank [ XXXX XXXX ] ). I shouldn't have been charged the full amount and I didn't know this until I saw my billing statement showing I was charged the full XXXX. There is no way that my car would even take that much worth of gas if it was totally empty, so its totally impossible that this could even have been a valid charge. 

If the merchant wants to go back and check their records on the date of the transaction, they can look up and see my car on their video cameras and see how much gas I used. I have never disputed a transaction like this as it has never happened to me before. As far as I can tell this is total fraud on the merchant 's part and I should be contacting the police. All I am asking is to get my money back. 

I disputed this charge with Citi. They said they asked the merchant to accept my dispute, but that the merchant wouldnt accept it, so Citi declined my dispute. I appealed, went through more explanation ( sharing the above statements with them ), and the same thing happened the merchant declined the appeal, so Citi has re-issued the charge on my credit card. 

I DID NOT RECEIVE the merchandise paid for, only partial merchandise ( gas ). Thus my request is justifiable and I ask for the help of CFPB to force Citi to take the correct action here. After all, its client XXXXXXXX XXXX XXXXXXXX has committed a fraudulent transaction and I shouldnt be on the hook for this. 

MORE than happy to provide any additional information you may need.

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 2023-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
The company says own the XXXX dollars. When I have had healthcare insurance the whole time. They never informed of the 6 other bills they take on. So I went for XXXX to over XXXX dollars 3 years. No one informed I own anyone anything until I look at my credit score to find these bills. So how do they expect me to paid them? They only reason I got this sent to me bc I reported on them on my credit. This is not correct way to do business. I pay my debts if I am told about them. But I dont know what is real or fake bill with them. They are charging me 10 interest on 6 of the bill they never informed me of. It looks they just try to damage my credit score with this bull. They never let me dispute or show them I had insurance. I did have insurance this whole time. no XXXX XXXX XXXX XXXX never told me about these bill either. So really hard for me to believe. One of is local radiology that my dad paid off bc we. XXXX we got a bill and we paid. If I dont get bill or proof that paying off that bill its hard for me to paid this company. Attached there proof to this which does not prove the debt to bc I have itemized state of each bill and they dont have that. XXXX to just see a doctor is stupid high if that all I am see as there items of charge. Im sorry I never see a er doctor for more 15 mins anytime I have been there. Average pay rate of a doctor in the XXXX is XXXX in tn and says he all dealt with my situation for 30 mins that XXXX and went 6 times accord to them XXXX should be the total amount on the debt with no insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Credit Karma, LLC
State: CA

Complaint narrative:
After file my tax I decided to go with XXXX XXXX and they offered credit kharma to have my tax return. So I decide to out my direst deposit to my credit kharma debit card. After my direct deposit from work we r thru. After 2 day on XX/XX/XXXX, there was two withdraw transaction in XXXX XXXX California with me debit card. I receive a messege thru credit kharam app. I was at work ar XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have my debit card with me. I called the credit Khama help center and they denied my dispute. They giving me all these reasoning saying check my email and theyre not helping me. I work hard for my money and I only get paid {$18.00} an hour. So {$400.00} is a lot for me. Can you please help me. I am so angry I went with this company because they scamed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate repossession on my reports that I have been disputing for some time now. 

I have contacted them numerous time requesting all documents and information pertains to this debt. I sent them debt validation requests on XX/XX/2021 and XX/XX/2021. It has been well over 30 days and still no response. 

Furthermore, they re reporting inconsistently and verify invalid information between the credit bureaus. How are they able to verify inaccurate information and not respond to my disputes? If they have not replied to me I know they have not sent any valid proof to the credit bureaus concerning this debt. 

It is the consumer reporting agencies responsibility to acknowledge and respond to any and all dispute request and XXXX XXXX is in violation of my right to dispute. I am demanding that this account is deleted from my reports and all documents concerning this account is mailed to my address.

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 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX Delete these accounts immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: NM

Complaint narrative:
Unable to make full payment due on XX/XX/XXXX. Made half payment on XX/XX/XXXX after receiving and responding to a text message from One Main Financial on XX/XX/XXXX stating " OneMain : Would it help if you could make a one-time reduced payment of {$220.00}? You would resume XXXX r payments going forward and are still responsible for any other past due amounts. We're hereto wor k with you, so text me back or call XXXX for eligibility. '' Despite making partial payment, One Main Financial continue to place harassing phone calls to me up to XXXX times per day. I spoke to branch XXXX XXXX on XX/XX/XXXX who incorrectly said i was XXXX months late. I corrected her and advised i was only late XXXX a payment total for XXXX which she argued with me about and was adamant I was XXXX payments behind and then agreed and stated I was correct and was only XXXX payment behind. I advised I was in between jobs until XX/XX/XXXX and would not be able to pay until first check received. She then proceeds to ask when I can make the half payment I am late and she can't set up payment assistance as promised in text because I didn't have current pay stubs and I was only XXXX payment behind. She was very pushy and did not listen to me. I told her to move forward however she wanted since she wasn't listening to my situation and I was unable to pay XXXX payment at this time. Advised her to is she keeps calling multilple times per day and I would have to block their calls. I continue to receive multiple calls per day from One Main Financial from different numbers from their company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account XXXX has violated my rights. 

15 USC 1681 Section States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-03-08 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: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate repossession on my reports that I have been disputing for some time now. 

I have contacted them numerous time requesting all documents and information pertains to this debt. I sent them debt validation requests on XX/XX/2021 and XX/XX/2021. It has been well over 30 days and still no response. 

Furthermore, they re reporting inconsistently and verify invalid information between the credit bureaus. How are they able to verify inaccurate information and not respond to my disputes? If they have not replied to me I know they have not sent any valid proof to the credit bureaus concerning this debt. 

It is the consumer reporting agencies responsibility to acknowledge and respond to any and all dispute request and XXXX XXXX is in violation of my right to dispute. I am demanding that this account is deleted from my reports and all documents concerning this account is mailed to my address.

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 2023-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial is reporting an inaccurate repossession on my reports that I have been disputing for some time now. 

I have contacted them numerous time requesting all documents and information pertains to this debt. I sent them debt validation requests on XX/XX/2021 and XX/XX/2021. It has been well over 30 days and still no response. 

Furthermore, they re reporting inconsistently and verify invalid information between the credit bureaus. How are they able to verify inaccurate information and not respond to my disputes? If they have not replied to me I know they have not sent any valid proof to the credit bureaus concerning this debt. 

It is the consumer reporting agencies responsibility to acknowledge and respond to any and all dispute request and Ally Financial is in violation of my right to dispute. I am demanding that this account is deleted from my reports and all documents concerning this account is mailed to my address.

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 2023-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Through XXXX Several People XXXX monies totaling XXXX out my account. I do not even know how to XXXX and I do not know any of the people that received the money. 

When I contacted Wells Fargo several times they told me it was nothing they could do. One teller called me from the bank on her personal phone and threaten me saying that since I had said I would get a attorney I had threaten her, and she went on to say I would never get my money back. 

It was not until I spoke with my XXXX XXXX XXXX that some listen to me and I start the process to getting my money back with their aide.

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 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I made a previous claim because the system of thebank is not allowing me to access to my online banking. I created the user ID and password at the branch when I opened my account on XX/XX/2023, then my account was locked for security reason, I was requested to send my passport and utility bill. I sent it and that lock was removed. So I treid to access using the same credentials but didnt work, so I called custoemr service and I was informed that I need to enroll again. I tried several times but never workd. I submited a ticket and still under review XXXX. 
My pin is correct, because when I call customer service the system identify and verify me, so the pin is not the issue. Also I tried 2 different phones to received the access code and also doesnt recognize. 
I dont know what is the error. Also I contacte XXXX XXXX ( the lady who opened my account ) and she said that she cant help, once the account is opened the online banking issues are fixed by the main office.

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 2023-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nationwide Credit & Collection, Inc.
State: CA

Complaint narrative:
Keeps contacting family. I do not have any debt. Will not stop calling me or my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
car loan began XX/XX/2015 for a 72 month loan. I have been paying on loan for 7 years 5 months and they are stating loan isn't paid off. Everytime I call for payoff the amount changes from {$2100.00} to {$1200.00} to {$2700.00}. Changes on a daily basis. I've tried to ask why loan isn't paid off yet and they always give a different reason. I have proof off all payments and dates paid and how much which is usually higher than minimum amount because we have been trying to pay this loan off. I have loan agreement. They are reporting to credit agency I am late every month even though I have proof of payment. I have been paying on a 72 month loan now for 89 months. I need help.

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 2023-03-08 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: MO

Complaint narrative:
On XX/XX/XXXX i sent ceryified letters to all three credit bureaus disputing several inaccuracies on my reports ( I'm a victim of idenity theft since XXXX ) and wanting proof of any verification. I got no responce. Then on XX/XX/XXXX i sent three more certified letters to all three credit bureaus about why i recieved no responce and it was well past thirty days. As of today i still havent recieved a responce or any verifications for any of it i am uploading these letters. I need these accounts removed because i am trying to purchase a home for my son and i. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I was contacted via phone by Frost Bank on XX/XX/2023. The agent stated she was calling me to let me know that someone opened XXXX online checking accounts using my information on XX/XX/2023. I verified that I had not opened those accounts and she responded that she would close them out and that I should file a report with FTC.GOV to report this issue. 
I have not lost any personal information to my knowledge such as a wallet or ID, credit or debit cards. 
Nothing suspicious has happened under my bank account or any of my credit cards that I am aware of.

Company response to consumer: Closed with explanation