vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My account was hacked on XX/XX/2020. I have been getting robbed hundreds of dollars from multiple gas stations across XXXX California. I currently live in XXXX, five hours away from the XXXX XXXX county area and they are taking my money from there. The first incident was onXX/XX/2020 in XXXX CA from XXXX # XXXX. They removed {$100.00} from my account. On the same day, they removed {$120.00} from XXXX, CA from XXXX XXXX. On the same day, they also remove {$73.00} from XXXX XXXX XXXX XXXX. On the same day, they also removed a {$120.00} from XXXX XXXX in XXXX. All of this is on the same day and keep in mind I made a transaction later throughout the day in XXXX, the grocery store in XXXX. I was all the way in XXXX when they hacked my bank account until they left me with nothing. On XX/XX/XXXX, they stole a total of {$100.00} in gas in XXXX XXXX XXXX, XXXX CA and {$120.00} from XXXX XXXX in XXXX, CA. In XX/XX/XXXX, {$99.00} from XXXX XXXX in XXXX, CA. On XX/XX/XXXX, again from XXXX, XXXX XXXX, another {$99.00}. In XX/XX/XXXX, another {$330.00} from XXXX California XXXX XXXX. This was an ongoing trend that continued until they left me in XXXX dollars in my account by 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 monetary relief
Consumer complaint received 2020-06-12 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: Army and Air Force Exchange Service
State: CO

Complaint narrative:
I paid off my debt in XXXX of 2018. They are showing it still in collection. There is and has been a zero balance for over 2 years.

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 2020-06-12 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: CO

Complaint narrative:
I purchased a vacation package in XXXX XXXX XXXX through XXXX travel agency on XX/XX/XXXX for {$1500.00}. Travel was to be from XX/XX/XXXX - XX/XX/XXXX. Due to Covid-19,  XXXX the resort property owner cancelled all reservations through XX/XX/XXXX and reimbursed the 3rd party travel agencies. I contacted XXXX 2 times via phone and multiple emails. The final response was, they would not reimburse my money even though the resort was closed and I did not cancel the reservation. 

I filed a dispute with Citi Card ( XXXX ) on XX/XX/XXXX, it is the only one on file in my account. They closed this dispute on XX/XX/XXXX for being over 6 months old and not having all of the documentation needed ( I was never told or requested to provide more documentation other than my initial statement for dates and charges ). On XX/XX/XXXX, I resubmitted via email with supporting documentation. On XX/XX/XXXX Citi denied my dispute again, this time in favor of the merchant because the merchant refused the dispute and the refund. Citi told me they have no authority to pullback funds from the merchant. I tried to dispute this reason for denial with the Citi Dispute center as under Visa Charge-back policy VCR 13.1, they do have that ability. I was hung up on by the service agent. 

I am trying to get my money back for a worldwide pandemic I had no control over and a cancellation and resort shutdown I had no action in. Citi is just washing their hands of this even though I did not receive the services I purchased. Citi has all supporting documentation.

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 2020-06-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
In XXXX I had back XXXX and I was unable to work. The pain was so severe I had to move out of my apartment. When I moved, all XXXX XXXX XXXX equipment was returned to XXXX XXXX XXXX via XXXX as they instructed. I was shocked when I found out that XXXX XXXX XXXX was claiming that I still owed money. I asked them to provide a bill breakdown of what was owed when I returned the equipment and paid everything owed to them. To this date, they never provided a breakdown and forwarded the alleged outstanding balance to a debt collector, CREDENCE RESOURCE MANAGEMENT # XXXX, {$440.00} alleged amount owed. 
I am now trying to buy a home and this account is damaging my credit score. My loan originator and I called the debt collector today, XX/XX/XXXX,, XXXX and informed them that I was buying a home and they were reporting an alleged debt that I disputed already with XXXX XXXX XXXX. I spoke to XXXX XXXX and then XXXX, his supervisor. My loan officer informed them that they were affecting the interest rate I would receive by reporting an inaccurate account on my credit report. They refused to delete it even though I returned all the items to XXXX XXXX XXXX. This is going to make me pay a higher rate and have to pay more at the closing table for the rate. I don't owe this money and the debt collector has no right to report on my credit report because CREDENCE RESOURCE MANAGEMENT is not a creditor and has never provided to me any type of credit. They admitted as much in the call and they also admitted that they can not allege the amount owed because they are not the creditor and they did not even have the information that this was already disputed over the phone with XXXX XXXX XXXX. I do not owe this money and CREDENCE RESOURCE MANAGEMENT is trying to extort money from me by reporting an inaccurate account to the credit bureaus. If they have done this to me, they are doing it to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
I was on the 16th day past due ( was making my payment that day ) and they called my daughter, who has not been listed as a contact, and left a message stating that they were a lawyer. No one as the location is a lawyer. They already know that it is impossible for me to contact them during work hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Far past two years, Citi bank charged me {$12.00} a month fee. Two years ago they told me I should have a direct deposit into my citi bank account and that will waive any monthly service fee. So I set up a direct deposit. Today I noticed they have been charging me fee s for over a year. When I called ( XX/XX/2020 ) they said '' You should have a bill pay as well to waive the fee. My argument was that '' about two years ago you said I should have only direct deposit but now you are asking me to pay bill through your website? She said " Yes. Although I pay Citi credit card bill through my Citi checking account but that does not qualify for them. Two different answers by two different individuals. One of phone agent said " go ahead and complain but I am not giving you any refund, this is our policy ''. Citi bank needs to disclose all fee info to their customers and get their consent. I am hopeful that CFPB will resolve my issue with Citi Bank.

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 2020-06-12 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: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I paid XXXX XXXX {$130.00} On XXXX XXXX 2020. The collection agency Trans World has a amount of {$110.00} I cant get them to remove it from my credit file. I told them of my rights under the consumer protection act. They don't seem to understand that they need to remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JP Morgan chase Account ending in XXXX Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
My wife passed away in XXXX or 2019 and I had previously contacted my bank to get our joint checking changed to my name only. I submitted her death certificate and other paperwork and was assured it had all been handled with a note on my account for future deposits in both our names. 
After filing my taxes this year for 2019, I contacted my bank, Navy Federal Credit Union, to see if my return of {$9300.00} had been sent from the IRS. I did this because I had recently changed checking account numbers following a theft involving my check book. The woman I spoke to said my return was sent back to the IRS because it had my name and my wife 's name on the deposit. She had no idea my wife was deceased, suggested it was my ex-wife, and said there was nothing indicating that on my account. Now I have to attempt to contact the IRS to find a way to get a check in my name alone since Navy FCU has somehow " forgotten '' all of the paperwork and phone calls from when my wife passed and wont accept a direct deposit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
JPMCB- Auto Finance XXXX XXXX - IS reporting a late payment XX/XX/20 which is invalid. I was not late. I had called in to set up a deferment, due to COVID, and I did it in XXXX with their representative who told me it was set up for 90 days. 
Then the next month I was advised I was late and that the previous rep didn't set up my deferment correctly. They advised me they would fix this because it was not my error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
The name of the company is Comenity Bank, XXXX XXXX XXXX, XXXX, OH XXXX. Their phone number is : ( XXXX ) XXXX. I have stated to a representative of theirs, numerous times, that I do not verify ANY information, whatsoever, if I receive a call in which the callerID does not show me the phone number and the name of company. This is due to the many fraudulent calls I receive in any given time. Therefore, I have no way of validating if the call is real or fraudulent. However, I am receiving calls up to 8x per day from ( XXXX ) XXXX, ( XXXX ) XXXX, Unknown, or a combination. There have been times when the phone number I look up states that it is, indeed, a spoofed number ( e.g. non-fixed XXXX XXXX or XXXX XXXX number ). Again, the issue is that if the call is from a company that I am familiar with or owe, the company ought to respect my wishes and have a call come in to me under the actual phone number of the company as well as that company 's name when it comes to what I am to see with CallerID. There is a reason I prefer phone plans with the CallerID option.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be removed immediately. 

XXXX XXXX Please provide me with the Consumer Contract with my Signature on it. 
Thank you for your prompt assistance in this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I had been trying to payoff my mortgage for months and every month the payoff amount just kept going up?!?! Also they refused to just use my escrow to payoff my loan, the money in escrow is mine and will now take 2 weeks or more to get back in my account!! Horrible doing business and arrogant supervisor acting as if I'm an XXXX! When I asked which agency regulates mortgage companies she acted as if I'm asking something stupid!!!! More regulation needed for banks and mortgage companies lots of regulation!! I would like my escrow money immediately!! You should not get to keep my money!!! You should allow me to use it to pay off my loan in full!!! But Unpaid now and I would like someone to investigate the way they do business please. I believe they charge penalties and false interest so people can never pay off their loans. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
I filed the complaint to XXXX about Santander sometimes in XX/XX/XXXX. They didnt remove and Santander refused to remove the loan on my credit. I took a vehicle XXXX and I had an accident with it. They auctioned the vehicle and they still putting in My credit fro the vehicle j didnt spend even 2 months on it. I having hard time to apply even jobs and houses due to the high balance that was put in my credit. 

It ruins my credit and I wanted them to remove it please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be removed immediately. 

XXXX XXXX Please provide me with the Consumer Contract with my Signature on it.

Thank you for your prompt assistance in this matter. 
Sincerely, 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 2020-06-12 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: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be removed immediately. 

XXXX XXXX Please provide me with the Consumer Contract with my Signature on it.

Thank you for your prompt assistance in this matter. 
Sincerely, 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 2020-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
I sold my house on XX/XX/XXXX. Freedom Mortgage says they have sent two checks to my new address but they have been returned. According to Freedom the USPS can not find the address. The USPS has delivered many pieces of mail and packages to me at the new address. It is now XX/XX/XXXX and Freedom wants another 8 - 10 days to write me another check. They say they can not transfer the funds straight to my checking account but they were happy to withdraw payments from my checking account for the past 3 years. This all sounds like an excuse to sit on my money without paying me interest or late fees for another couple of 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 2020-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I will begin by explaining that I received a same day loan by NetCredit in XXXX and paid it off XXXX or XXXX. 
XXXX XXXX I went to acquire a loan and was approved. Received a notification and call stating that I needed to verify the addresses were the same on the voided check after Net Credit loan processor saw that the account information, check was the same account number and through the bank statement that everything was verified. Everything was verified! Tuesday I received a call stating the check addresses didnt match again so in order for me to I would have to re apply to change the ACH option. I asked to just send another voided check but they insisted on me reapplying, so I did. For the next 4 days I could never speak with a loan processing representative or supervisor, they kept asking for more information, stating my employer could not be verified, even after my employer called NetCredit, pushed back the loan date to XXXX, ultimately declining my application, without speaking or returning my call which I requested 3 days by email. They received all of my personal information, wasted a week and a half of my time for information they already approved of. I never was contacted by any person in the loan department or supervisor. And my credit decreased. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: GA

Complaint narrative:
Over the past weeks I have been unable to log into my account due to a locked out. ( Forgot my password ) when I tried to reset it, it said I had tryed too many times and the account was now locked ... thats awesome HOW DO I GET THE ACCOUNT UNLOCKED? to make matters worse I was using the customer service helpline to transfer my funds to a different account ... .that option is no longer available!! I hear it's been removed!! If that's true than why is the information in the brochures. This has been ongoing for weeks now and i can't get a real person on the phone. What do I need to do to resolve these issues? Do i need to call a different number?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
I sent in my usual mortgage payment for XXXX ... they cashed the check but did not credit my loan. 

I sent them proof of my payment ( front and back of check ). 

Now they say they don't know where they applied the money for my account and are " again '' asking me for proof of payment. 

It's not my problem that they received my check for my mortgage, cashed it, but didn't credit it to my loan. 

Now I'm concerned my credit score will be ruined ... my normal score is over 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