vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
My wife attempted to make a minimum payment, @ {$300.00}, using the Costco CitiBank credit card app. on her phone, but for some unknown reason their app. submitted a full balance due payment for @ {$8000.00} which we did not have in our account. So, the payment did not process and the credit card company put a " hold '' on our account. This 6-month " hold '' has created the following problems with our account : 1. Prevents my wife from using her bank account to make payments 2. Prevents immediate payment credit as before when making payments from our checking account 3. According to their customer service department ( XXXX on the Costco Membership Team # XXXX ), this 'hold ' gives them the " right '' to not post any of our payments for up to three weeks after being made and to provide misinformation via their automated system regarding when payments are received, but not stating the payment has not been posted or any advisory regarding the " hold ''. This " hold '' situation is not addressed in any manner in the Costco Membership Agreement or the CitiBank Terms & Condition 's.

4. For example, their automated system stated we made a  {$300.00} payment on XX/XX/XXXX, but that payment was not going to be processed and posted on our account for up to three WEEKS per their customer service department, which is stated by their automated system! Their automated system states they received our {$300.00} payment, but our payment is not reflected in our available balance with no other information provided advising they are holding our payment. This is intentional misinformation regarding the status of our payment.

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 2020-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I made arrangements to buy a dog, a contract was signed and paperwork completed. The money was sent through XXXX and XXXX XXXX totaling XXXX. A receipt confirming the delivery of the dog was sent. Later the man called and stated he was in the hospital and was unable to deliver the dog or return the cash. After completing a claim with my bank Wells Fargo and 3 hours of being transferred from department to department, i was told by Wells Fargo basically it was 3 hours wasted and the money was gone. BUT if i would have said i did not know about the transfer they could help me or investigateshame on you. First after being stuck in the house for weeks with Covid then to be heart broken that my mothers day gift will never come, i lost XXXX. Devastating people use a puppy to make money. So gross XXXX 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 2020-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
- - ______XXXX  XXXX XXXX XXXX XXXX _____ XXXX XXXX VA XXXX - date : XX/XX/2020 _____FORMAL Complaint about Experian the credit bureau and its involved decision makers to stop and cease their retaliation, discrimination and abuse against an American Taxpayer - -. 
on XX/XX/2020 and as of today XX/XX/2020 Experian blocked me from accessing my free annual credit report by adding restrictive discriminatory condition against me specifically. i have many proofs that support the fact that I was subjected again to retaliatory adverse actions from Experian. -- -- -- -- -Experian is the only credit bureau allowing and participating in causing the damage of my financial reputation. Experian is causing me severe emotional distress. Experian impeded my ability to review my credit report and therefore anything negative in my report with any damages that caused against me is the full legal responsibility and liability of Experian. 
-- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - there is no excuse to justify that restriction ( the website called it condition by Experian only ) put in place by Experian against me. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- Experian and its involved decision makers must stop their retaliation and they must pay huge legal consequences for their illegal acts against an American taxpayer XXXX XXXX. " CFPB '' shall investigate Experian ' unlawful practices reported to " CFPB '' several times in the past 4 years until now. -As a reference Experian credit report XXXX was one from previous year before year 2020 which had several incorrect information that Experian insisted to  keep it in my file within this credit bureau named Experian . Experian intent to damage my financial reputation is a fact proven by the fact of the damages already Experian caused against mu person. - Please note : Experian response or non-response to this legal complaint will be used against Experian and its involved decision makers at any time and in a court of law. -. - All stated herein is to XXXX XXXX current states belief, knowledge and understanding and it is subject to any correction or change of any kind at any time and only by XXXX XXXX and/or his legal representative if any and without waiving his rights under any circumstances. digitally Signed and Filed today XX/XX/2020 within CFPB by 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 non-monetary relief
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
XX/XX/20 CAINE & WEINER COMPANY INC reported collections on my XXXX and XXXX credit report. This is for auto insurance. Amount is false, also this maybe classified incorrectly as retail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
A voluntary surrender of my vehicle was completed with Capital One Auto Finance. After the vehicle was sold by Capital One AF, they did not contact me in writing or by phone with the balance owed. Instead, the balance / debt was sent directly to a collection agency, XXXX XXXX XXXX. See attached. 

Capital One Auto Finance did not send me written documentation showing the vehicle sale amount against the amount owed. Instead, a letter was received from XXXX stating a sum owed to them regarding the auto loan. 

Therefore, I do not know the sale amount of the vehicle to determine the validity of the alleged debt owed. I do not know the final balance owed to Capital One AF as they did not send anything in writing. I was not given the opportunity to settle the debt with Capital One Auto Finance before it was sent to a collection agency. This is unfair debt collection practices and the legality of not disclosing the vehicle sale amount is in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020 My dad had called Walmart to have me removed from his account and told them that this was his account and that I was just a person who he got an extra card for and that this account is his responsibility I also had myself removed off the account as well.Walmart removed me. This is my dads account we have the same Identical name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I finally got a call back from Ms XXXX with Equifax and she stated the collections I inquired about where deleted. She stated I should have received an email telling me that and offering me a way to look at my file. I never received an email. I went to myequifax.com and it told me to " please give us a call. We cant complete your request at this time. Please call Customer Care team at XXXX ''. When I called, they told me to go to the website. Wow, I am dizzy. Last week I was told I would receive a paper copy in the mail in 10 days. I CANT WAIT 10 DAYS! Why is this so difficult? Why cant I pull a bureau on line to be sure it is clear?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: FL

Complaint narrative:
this is unbelievable. I check my credit and I cant understand how someone stole my identity and get away with it they open up Credit Cards and then brought a Car using my information.

how is this possible don't every company has to do there due diligence for every customer with out my signature. all of theses Accounts are fraud and was not authorize by me

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 2020-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020, a Saturday, I agreed to a {$1.00} charge on my Visa account ( Chase Bank ) to purchase a report I needed for my genealogy work. Within seconds I received a text from Chase Fraud asking whether a charge for over {$18.00} was fraudulent or not. I answered Yes because I had agreed to {$1.00} not {$18.00}. In response to my " Yes '' I was informed that my account was now closed and a new credit card would be sent to me.

I did not authorize them to close my account and when I was asked by text whether the charge was fraudulent or not, they did not inform me that this is what they would do.

I expected that Chase would block that specific charge but leave my account open.

I immediately phoned the company ( Public Records ) and asked them to reverse the {$18.00} charge. They did and I have confirmation of that. 

I phoned Visa/Chase and also attempted numerous ways to contact them by internet to ask that my account be reinstated. The phone tree and computer systems led to the answer that I needed to contact them M - F because they were otherwise closed. I phoned again and waited for over two hours on hold and then their representative said they could not do anything about this. They said I would have to wait for the new card, there was no alternative. 

As you can imagine, it is hugely inconvenient to have to change credit card numbers. I was not asked whether I wanted this to happen and I was not informed that the account would be closed. It feels like fraud on the part of Visa/Chase to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: FORD MOTOR CREDIT CO.
State: MD

Complaint narrative:
I have been unemployed since XX/XX/XXXX due to the pandemic. I was able to make my lease payment thankfully in XXXX with Ford Motor Credit. Unfortunately, since I havent had any income coming in, I wanted to reach out to Ford to defer my payments for few months. When I called them to ask for help, they advised me that Id be charged {$200.00} per deferred payment. My payment is {$680.00} and the fee is is a whopping 30 % of my car note which is beyond crazy. Every other creditor that Ive called was able to defer my payments without any fees. I tried to reason with them and explain my situation as many other affected people, but unfortunately they were no help. The representative told me that I was the million and 2nd person that called and said the same thing. I was shocked as so many other people are affected and were treated with this type of predatory fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: FL

Complaint narrative:
this is unbelievable. I check my credit and I cant understand how someone stole my identity and get away with it they open up Credit Cards and then brought a Car using my information. 
how is this possible don't every company has to do there due diligence for every customer with out my signature. all of theses Accounts are fraud and was not authorize by me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: FL

Complaint narrative:
this is unbelievable. I check my credit and I cant understand how someone stole my identity and get away with it they open up Credit Cards and then brought a Car using my information. 
how is this possible don't every company has to do there due diligence for every customer with out my signature. all of theses Accounts are fraud and was not authorize by me

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 2020-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I opened complaints to Transunion and XXXX regarding an auto loan with XXXX XXXX. I paid on time and yet on two occasions they marked my payment as " late by 30 days '' which severely destroyed my credit. I keep receipts of all my payments that includes dates. I submitted this to Transunion and XXXX. They sided in my favor and removed the late payments from my report. Then a month later when the new information was submitted to the credit it agencies, the missed payments suddenly came back -- even after both agencies agreed they were incorrect. XXXX XXXX won't return my phone calls and I can't seem to open a dispute on the items since it has " already been disputed ''. 

XXXX XXXX continues to submit information that both Transunion and XXXX  have deemed to be incorrect.

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 2020-05-02 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: MA

Complaint narrative:
I opened complaints to XXXX  and Equifax regarding an auto loan with XXXX XXXX. I paid on time and yet on two occasions they marked my payment as " late by 30 days '' which severely destroyed my credit. I keep receipts of all my payments that includes dates. I submitted this to XXXX  and Equifax. They sided in my favor and removed the late payments from my report. Then a month later when the new information was submitted to the credit it agencies, the missed payments suddenly came back -- even after both agencies agreed they were incorrect. XXXX XXXX won't return my phone calls and I can't seem to open a dispute on the items since it has " already been disputed ''. 

XXXX XXXX continues to submit information that both XXXX   and Equifax have deemed to be incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I opened complaints to XXXX and XXXX  regarding an auto loan with XXXX XXXX. I paid on time and yet on two occasions they marked my payment as " late by 30 days '' which severely destroyed my credit. I keep receipts of all my payments that includes dates. I submitted this to XXXX  and XXXX. They sided in my favor and removed the late payments from my report. Then a month later when the new information was submitted to the credit it agencies, the missed payments suddenly came back -- even after both agencies agreed they were incorrect. XXXX XXXX won't return my phone calls and I can't seem to open a dispute on the items since it has " already been disputed ''. 

XXXX XXXX continues to submit information that both XXXX   and XXXX  have deemed to be incorrect.

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 2020-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
I obtained a small personal loan through Opp Loans online, and the process was questionable. They required the log in information for my bank, and after the loan was " approved '' and I changed my password, they required additional information, which included access to my bank accounts again. 

After making about 10 payments or so, I had some financial difficulty around XX/XX/2020, as many others. I emailed and called, spoke to " XXXX '' and she said she would waive interest and any fees, and push my next payment out to XX/XX/2020 with their " Borrower Assistance Program ''. 

On XX/XX/2020, I used online bill pay through my bank to send a check to Opp Loans for {$300.00}, more than 2x the amount of my previously scheduled payments. I did this early so they would receive it before XX/XX/XXXX. They never posted the payment to my account. It was received by them ( and stamped ) on XX/XX/2020, and cashed/cleared my account XX/XX/2020. I have emailed many times, and called, and they insist that I never paid. In addition, they charged interest an additional fees to my account, going against the arrangements made under their " Borrower Assistance Program ''. 

Today is XX/XX/2020. When I called Opp Loans and spoke to one of their reps, he claimed that he did not receive my email which had 2 screenshots showing the {$300.00} was taken from my account, and claimed that the payment was never received. When I told him I would go to the police department to file a report for fraud, he got angry, kept cutting me off while I spoke, and yelled that he could transfer me to the payments department. Someone at Opp Loans has my payment. They already ripped me off with a 160 % APR, so I am repaying almost double the loan amount. Even when I provided the reference # and check # from the bank, they ignored my emails. Two hours after mentioning that I would file a police report, Opp Loans reported false information to XXXX  about my current balance in retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Towards end of XX/XX/2019, was a couple of days late on my BofA, I have kept making payments but they kept adding fees upon fees so my payment was never enough. I talked with several people on the phone and they would not help. So I paid off the account and closed it. However, Bank of America is reporting late payments each month after XX/XX/2019 and still show a balance of {$670.00}. I have no way of accessing this bill and no one will help me. They need to reverse all fees since I paid this off and closed it. Please help, this is very frustrating especially since I paid each month and paid off. 

The only information I have is the bank of america late payment report from XXXX  - attached. Bank of America does not mail paper statements and they do not provide online access to this account because I closed it.

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