vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Starting XX/XX/20, paperwork was submitted to my employer ( XXXX XXXX XXXX XXXX, aka XXXX ) for a new 403 ( b ) account. Wells Fargo ( WF ) was instructed to release funds in the approx. amount of {$6700.00} from an existing IRA account to be rolled over into my new 403 ( b ) plan account at XXXX XXXX. 

On XX/XX/20, confirmation was received from employer that a TPA ( Third Party Administrator ) had submitted the paperwork to both financial institutions. XXXX confirmed receipt of paperwork. WF did not. The TPA is XXXX XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX XXXX, FL XXXX, XXXX : XXXX opt. XXXX, Toll Free : XXXX opt. XXXX ) On XX/XX/20, I asked my employer for the status of my request, since the funds had still not been rolled over. A week later, XX/XX/20, XXXX contacted me to confirm some details of my information. XXXX says they faxed the documents to WF. Then nothing happened, no updates, and no funds rolled over. 

On XX/XX/20, I contacted WF, who claimed no paperwork was received. WF rep indicated they needed the paperwork mailed, not faxed. I relayed that communication to both XXXX and XXXX and instructed them to mail the paperwork to the address WF indicated ( Wells Fargo Bank IRA Processing Document Capture COE/Document Management, XXXX. XXXX XXXX, XXXX, NC XXXX ). 

On XX/XX/20, I reached out again to XXXX  and XXXX for an update. The Business Office Director at XXXX, XXXX XXXX, and I called WF directly at XXXX, but were placed on a long hold and couldn't remain on the line. XXXX was able to confirm receipt of the doc packet by WF on XX/XX/20 by way of USPS tracking # XXXX. 

On XX/XX/20, XXXX 's rep XXXX and I initiated a conference call with WF to inquire on the status of the request. We were told once again no paperwork was received. The WF rep said he'd open an investigation to track down the paperwork packet. 

On XX/XX/20, WF rep " XXXX '' contacted me via email, indicating their research would be completed by XX/XX/20. 

On XX/XX/20 WF completed their investigation ( case ID # XXXX ), and maintained no packet was received, despite USPS tracking # indicating the opposite. 

On XX/XX/20, XXXX and I once again reached out to WF. Another rep said acknowledged receipt of doc packet but couldn't explain why the funds have not been released. She said she'd inquire and call back with an answer. 

On XX/XX/20, I called WF for an update. A rep named " XXXX '' now claimed paperwork had not been received, directly contradicting the prior rep. She said she'd inititate yet another investigation and call me back personally with the results. 

As of XX/XX/20, no results have been produced and no call back from anyone at WF. The funds remain unreleased.

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 2020-12-08 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/2020, I purchased a {$120.00} product from XXXX that had a 30 day return available for any reason. I paid with my XXXX  account which was linked to my Citi card. I emailed the company on XX/XX/2020 and XX/XX/2020 to attempt a return, but they didnt respond. On XX/XX/2020, I disputed the charge, and advised the company that I had filed a dispute. The COO responded the same day acknowledging receipt of both initial emails. My Citi dispute process advised me to attempt a return. I returned the product as per the companys online instructions, and received a delivery confirmation on XX/XX/2020. I did not receive the request from Citi for the tracking receipt, so my dispute was denied on XX/XX/2020. On XX/XX/2020, the COO agreed to a refund if I sent the tracking receipt showing that the product was returned. I sent the tracking receipt, but then she said that they were unable to provide a refund with an open dispute. She said that once the dispute was withdrawn, she would process a refund. I showed her on XX/XX/2020 and again on XX/XX/2020 that there was no open dispute. On XX/XX/2020, I provided the tracking receipt to Citi, and advised them that I wanted to reopen or appeal the dispute because I provided the COO with all requested info, but she still would not send my refund. On XX/XX/2020, I emailed Citi to inquire if my dispute had been reopened. I received no response. On XX/XX/2020, Citi advised that they could not assist me because it had been 6 months since the purchase. On XX/XX/2020, the COO advised that it was impossible to process a refund because of the way XXXX was set up in their system. They advised that they would process the refund once XXXX advised them how to do it. I contacted XXXX, who deferred to Citi, as I never opened a XXXX dispute.

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 2020-12-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Incorrect information on a hard inquiry dated on XX/XX/2020 by XXXX. This was never authorized by me. XXXX had removed this back in XXXX with XXXX  and XXXX  for some reason experian still has it on there report. I have spoken to discover in XX/XX/2020 and now end of XX/XX/2020 and they said would be removed from experian and they will be aware. as of XX/XX/2020 it still shows up which i will show you the screen shot.

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 2020-12-08 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The attached letter reflects If you have questions about this issue, please call XXXX at XXXX, extension XXXX. I called 5 days ago and have yet to receive a return call. I wanted to discuss several other points in the letter. The letter also reflects We investigated and found the account was valid because we received payments from accounts in your name. You later confirmed that the account is valid. Yes I made payments on my card but not the payments that bounced in XXXX that allowed the credit limit to be exceeded. The letter also reflects Due to retention timeframes we are not able to confirm how the phone number was updated. This should have been investigated in XXXX so the timeframes would not have been relative. The letter also reflects However, once an XXXX is returned because we were not able to locate the account, we suspend that checking account for future XXXX usage????????? This isnt correct. There were multiple large fraudulent payments. The letter also reflects You requested additional information about the payments and the person making the payments. We are not able to provide that information based on our privacy policy. This makes no sense. My account, fraudulent payments, and Chase wants to keep the thief private. The letter also reflects On XX/XX/XXXX, you mention that you knew the person that used your card and on XX/XX/XXXX, you stated that the suspect might have used to card for purchases on your behalf. Due to retention timeframes we are not able to provide you with a summary of the call from XX/XX/XXXX. I knew the person who I listed on the sheriffs report. This is a problem of recording calls or interpreting what someone is saying. I stated I didnt know what she purchased. I thought the question was idiotic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I had a credit card with XXXX 's that was opened in XXXX. XXXX Charged the account off and sold it to a debt agency by the name of Resurgent. However, both XXXX and Resurgent were reporting to the credit agency. One, under credit cards and the other under collections. I've never received mail correspondence from Resurgent about this account and as of XX/XX/XXXX the balance has gone up, when it was a different amount just a week ago. The balance owed has gone from estimated {$2100.00} to now {$2400.00}. I have no idea why

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX and XXXX, 2020 I logged into Dovenmuhle 's website ( XXXX XXXX attempting to make a payment on my mortgage. I had previously made payments earlier in the month through this same portal successfully however now when attempting to review the payment ( the final step before confirming/submitting ) it would simply send me to a blank page. I called customer service and was informed if I wanted to make a payment over the phone there would be a {$10.00} fee incurred ( which is unfair as the website was not working properly. ) Additionally I was told if I wanted to send a check it had to be certified ( which would also incur a fee. ) I was not given any means to make a payment that would not result in a charge and it's wrong this company is trying to leverage fees from their customers when their own website is failing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
XXXX sent my account to collections which was originally called XXXX XXXX. this was the incorrect amount. I than got a call from Allied Collection Service out of XXXX XXXX. I spoke to a woman named XXXX who was a nightmare. I kept being threatened about how this was going to go on my credit. I told them let me talk to XXXX  and get this resolved since this is the incorrect amount. I had moved to XXXX who was to help pay off any balance i owed to XXXX. XXXX from Allied Collection gave me an option of a payment plan so this will delay any remaining balance that i owe from reporting on my credit. In which I told her ok but i can only do minimum amount of {$50.00} per week based on my financial situation. She gave me a time frame of 2 months to pay off the whole amount. I told her this is all i can do until the dispute comes back with XXXX. i told her if it comes back that i owe i will pay the remaining balance within the time frame. She refused to take or schedule my payment. Even though it states in the email i received from them that i was able to make payment arrangements without anything being reported. She was not willing to work with me at all. She said this account will be in dispute on their end and we are not to have contact until it is resolved. I never received a call back or email of the results. they have reported the amount i owed to all 3 credit bureaus. Allied and XXXX  have been colluding back and forth and unwilling to help at all. I am in the middle of purchasing a home and this will further delay the process. These two companies have not given me any chance to review the amount owed and i keep getting bounced around between the 2 companies. Every time i call and try to get answers i keep getting transferred.

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 2020-12-08 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: LA

Complaint narrative:
Over 30 Days today since Ive sent documentation on XXXX regarding to those unknown and inaccurate accounts on my credit report but I haven't received any reply. I was a victim of Equifax Data Breach. I want all those account will be remove to my credit report or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Twice on XXXX I called in to close my account and was hung up. The person picked up and said I can help you and said to say my account number. Then they hung up on me. 

The other time I called and went to the account closure portion of phone number and when it got to where someone would pick up it was hung up on. I had perfect cell reception of 5 bars so near impossible it is on my end both time just when I get to an agent. Very poor service.

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 2020-12-08 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:
XX/XX/2020 EXPERIAN was sent a formal dispute letter about inaccurate information contained in credit file. This dipute letter asked very specifically that the inaccurate information be VERIFIED and a document of the verification measures and entities be provided according to FCRA. 
XX/XX/2020 EXPERIAN sent a credit report which told me to contact the credit grantors myself. It also stated that no information was VERIFIED simply UPDATED for every single dipute item. 
At this time EXPERIAN refuses to properly VERIFY any of the inaccurate information that I have asked them to review which is a direct violation of my rights under FCRA.

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 2020-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America has consistently denied me temporary credit to my account for fraudulent and dispute related transactions. On XX/XX/2020 I was advised that Bank of America was considering closing my accounts due to the number of claims I have filed on my account. All of the claims I have filed have been legitimate. The manager who advised me of this consequence also stated that Bank of America 's average customer claims in a one year period is two and I have had seventeen. 

Bank of America is violating my consumer rights by threatening to close a consumer account because of the number of legitimate claims a consumer has filed. 

The Federal Insurance Deposit Corporation guarantees a consumer 's account up to {$250000.00} if in the event the consumer experiences fraud or the bank fails. 

Bank of America in the past has issued temporary or provisional credits when I have filed a claim without having to wait the 1-10 business days. The manager advised me that Bank of America was no longer providing me the benefit of receiving a temporary credit due to the number of claims processed. 

Bank of America is violating my consumer rights by taking away a benefit they granted me in prior claims for my most recent claim. Bank of America is doing this to discourage consumers from filing claims. Consumers with legitimate claims will be intimidated or discouraged from filing legitimate claims because they will fear the bank will take their temporary or provisional credit away or the waiting period will be extended. 

Bank of America has a fiduciary duty to its consumers and to protect it from fraud and illegal activity. When a consumer reports its card lost or stolen Bank of America has a duty to restore the customers account without delay. 

Bank of America is in violation of the FDIC requirements to insure my account against fraud or fraudulent activity. 

For the reasons herein and supported by evidence I respectfully requests the Consumer Financial Protection Bureau investigates Bank of America and this complaint thoroughly. 

If you have any further questions or concerns please contact me directly at ( XXXX ) XXXX. 

Respectfully Submitted, 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 2020-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IA

Complaint narrative:
We had major damage to our home from a storm that came through. Our home owners insurance covered all the damage to the property. When the insurance company sends checks for the damage, they also have the mortgage company listed on them. Citizens One appears to have smooth process that should go quickly to send them the check from the insurance company, the paperwork from insurance with the damage claim, the invoices from contractors who have done the work. We had done all of these items. Citizens One Mortgage  said they release the initial {$40000.00} without an inspection but with invoices. We had invoices totallying over {$40000.00} submitted. The check was for {$42000.00}. We never saw the {$40000.00} released and sent back to us. The inspection was scheduled for XXXX XXXX. We spoke to the inspector. He came took photos and submitted his findings. Fast forward weeks to XX/XX/XXXX when we call once again, and they say they haven't gotten the inspection reports. However, the {$40000.00} should have been released prior to any of that because they said they were releasing it. It's XXXX XXXX and we still have not seen any of the funds released back to us. Citizen One said the check will be overnighted. Our contractors are waiting to be paid. The roof damage that was invoiced at $ XXXX was FINISHED by XX/XX/XXXX. I have been lied to, led to believe things were getting taken care of on the end of the Mortgage company so that we in turn could pay our contractor, yet here we are months later and still no payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I paid off 4 debts with XXXX XXXX XXXX, but they were holding my money and not paying my debts fast so they could collect fee money. I would pay them {$300.00} a month and they would pay {$10.00} a month to debtors. So I contacted the debtors left, one is XXXX Resurgent. They agreed by phone to let me pay the rest of the debt by paying the {$230.00} 2 months and the debt would be paid. I recorded the phone call 2 times. I asked them to send it to me in writing and the following month they demanded the payments without a letter. I said as soon as I get the letter I will pay them. They finally sent a letter but with the full debt of the credit card, which I never spent, without any of the payments from XXXX XXXX XXXX included. They are refusing to honor their agreement with me and XXXX XXXX XXXX so I can pay the debt. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
on XX/XX/2020, my account was hacked and charged {$300.00} on my credit card. The company, paypal said they would do a long investigation but ended up closing the dispute the same day. The address on the transaction isn't even my correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I put in a balance transfer using my card with no fee interest transfers from my capitalone quick silver card account # XXXX. The balance transfer for the amount of {$250.00} to another credit card of mine XXXX credit card account # ending XXXX. 

The transaction was put in on XX/XX/XXXX and showed as payed on XX/XX/XXXX. Capital One customer service claim they sent a check but want give a clear reason why they didn't send it electronically. 

It is XX/XX/XXXX and Capital One caused a late fee on my balance transfer to XXXX XXXX. They claim they have no idea where the check is and can't promise it will be cancelled. 

Customer service was very rude and I was hung up on twice and then passed around through Capital One system for hours to finally hear that they will cancel it but can't promise. I believe they are being dishonest and never sent anything. I asked them to pay my late fee and cancel the balance transfer and it seem that either was done.

Company response to consumer: Closed with explanation