vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: IN

Complaint narrative:
recv 'd letter from TRS recovery ref # XXXX re : a {$500.00} electronic transfer at local XXXX on XX/XX/2020. We do not shop there. XXXX stolen XX/XX/2020. Stopped all known cards, but license and such were in billfold. Tried going to TRS site but they wanted routing, account numbers to even start looking into it. No idea what this is about. XXXX said they do not use this recovery company and would have communicated with us directly. So ... is TRS a scam, or has someone incurred this debt fraudulently with my ID? XXXX has no indication of an attempt to get $ from them, so we don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
on XX/XX/2021 I received notification of a bill due on XX/XX/2021. I contacted the company XXXX insurance and informed them i was moving and did not need the insurance anymore. XXXX confirmed and suspended any auto payment for the insurance and sent emails to confirm suspension of payments. Payments were being made from Wells Fargo Bank. I went to my online banking and cancelled any recurring payments to XXXX to Wells Fargo and verified the recurring payments were cancelled all on XX/XX/2021. On XX/XX/2021 Wells Fargo made the payment. I contacted Wells Fargo and explained what happened. Wells Fargo acknowledged no requiring payment existed but a manual payment was made. We did not make a manual payment after escalating my complaint three levels Wells Fargo could not explain why the manual payment was made.XXXX XXXX case number is XXXX. XXXX $ was paid without our authorization, there was an implication that payment was in process but ended up as a manual payment which Wells Fargo said we did, this is not true. Additional problems occurred which a second case was open case number XXXX, theses complaints are secondary but i will outline them. Voice recognition did not work, Wells Fargo verified I was enrolled ( the system failed on four occasions to recognize my voice ). Next I gave my card number and was told it was not my card, the third representative verified it was my card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Social Finance, Inc.
State: WA

Complaint narrative:
I tried to withdraw funds from my Sofi account through XXXXXXXX XXXX Sofi is partnered with XXXX to provide banking services. I scheduled a transfer for {$300.00} and it was withdrawn on XX/XX/XXXX. The transfer did not complete successfully and the funds are stuck in limbo somewhere. The funds have been missing for an entire month. The trace number for this transaction is XXXX. XXXX XXXX  told me they are helpless to do anything and I would have to file a dispute through Sofi. I tried to do so and was told by Sofi that they do not have this capability. I have no recourse and no way to recover my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
on XX/XX/21 I mailed a dispute letter regarding inaccurate/unknown items on my consumer report. To this day I have not received a response. i feel my dispute has been ignored. 
Section 611 ( a ) plainly states that a fairly to investigate these items within 30 days gives a reason to immediately remove those items from my report. i demand these accounts be removed immediately or I will file for litigation due to the stress caused by inaccurate reporting. My info was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: PA

Complaint narrative:
I have unauthorized accounts & inquiries on my report and would like it to be removed. According to the FCRA any inaccurate items on my Credit report that is not 100 % verifiable or accurate must be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION

Complaint narrative:
Xoom took my money to transfer. Tranferred it to partner. Been saying technical issues for nearly a week. Basically still have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX of 2020 I completed a balance transfer to my Bank of America credit card. I selected this card out of 6 options due to the terms and the fact that my personal checking account is with Bank of America. On my recent statement, I noticed that the balance transfer is being charged interest. My understanding going into the transfer was that my rate would be 0 % for 12 months before going to 12.99 %. I was told by Bank of America that the promotion did not exist at the time I selected it. They asked for proof, and nothing that Bank of America sent me via email had any details on the agreed upon terms, so its my word against theirs. Its unfathomable to me that this is the situation Im in. Should they not have some burden of proof to evidence that I agreed to this rate? If they had included it in the email confirmation Id understand and move on, but theyve provided zero proof and told me too bad.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
THERE IS A LAB COLLECTION THAT IS NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
My debt with midland financial had already been removed from my credit report after I had disputed the debt with XXXX. Therefore they can not threaten to sue me as the debt had been discharged due to " The balance and/or past due amount being incorrect ''. This judgement was completed on XX/XX/2020 and was subsequently deleted from my credit history. 
They call me multiple times a day, have called family members of mine, and have threated to sue me if I do not pay, even though I no longer owe money to this company. If they do not stop I will take legal action of my own. They have been sued many times and threaten many other people and it is time this stops now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Upon finally receiving proof of debt, I have paid a debt directly to the original creditors. Transunion refuses to remove the collection information even after receiving documentation in a 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 2021-02-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I have been trying to get my escrow refund since XXXX. Im owed {$2000.00} that is overpayment for county taxes. I have called about 8 times since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
APPLIED WITH CARECREDIT / SYNCHRONY BANK. WAS DENIED AFTER DRIVER LICENSE WAS SCANNED AND CREDIT FILE PULLED, TOLD I COULD NOT BE IDENTIFIED. THEN I APPLIED WHILE IN XXXX  DOCTOR OFFICE FOR XXXX  XXXX, LADY IN DR OFFICE WAS TOLD OVER TELEPHONE I WAS DENIED. OFFICE CREDIT PERSON WAS OFF THE PHONE, I ASKED WHY CREDIT CARE SAID I WAS DENIED, I ASKED WAS IT MY CREDIT. SHE RESPONDED THAT IT WAS NOT MY CREDIT. CARE CREDIT SENT TWO ADVERSE ACTION NOTICE ONE STATED THEY COULD NOT IDENTIFFY ME, THIS WAS AFTER THEY PULLED MY CREDIT FILE. THE NEXT ONE STATED THAT I WAS DENIED BECAUSE I REAPPLIED TOO SOON. IT MUST BE NOTED THAT I SENT CERTIFED COMPALINT TO THE CEO OF SYCHRONY BANK DUE TO THE DENIAL AND THE PRETEXTUAL REASON FOR DENIAL IN BETWEEN THE ADVERSE ACTION NOTICES. I HAVE NOT HEARD BACK FROM THE BANK. I HAVE OPEN ACCOUUNTS WITH SYCHRONY BANK SO FOR CARECREDIT/SYNCHRONY BANK TO STATE THAT THEY CAN NOT IDENTIFY ME IS A PROBLEM AN I FEEL IT IS DUE TO MY AGE AND RACE. OVER XXXX AND 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 2021-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FISERV FINXACT CORE
State: OR

Complaint narrative:
Hi, CFPB folks. 

The short of it : Having withdrawn my EIP credit from Money Network XXXX XXXX, I now want to close the account. But no method of closure is mentioned by either party, nor do they provide a way to reach a human by phone or email, nor did I get any response to my written request to their address-of-record. 

The history : In XXXX, I get an unsolicited debit card with letter ( from Economic Impact Payment Card '' says the front of the letter ; from Money Network Financial on the back of the letter ). No alternate way of getting the EIP credit is mentioned anywhere in letter ( or websites ) so I activated the card by phoning number provided. I also created online account, reluctantly. I used it to arrange an ACH transfer to my bank. The transfer arrived XXXX XXXX. 

But try to close the XXXX account? Impossible to find method to do such. Not mentioned on any website I can find, nor by calling phone numbers provided. No human can be reached, by phone or email. 

Most alarmingly, no response comes even after I send a letter to Money Network Financial at the address provided on original letter sent to me. So I'm left wondering : Are they not required to close the account if I ask? Are they not required to respond to me saying they will or won't close the account? Is it even my account, or is IRS the account owner in this case? 

PS. I understand there are good reasons for sending debit cards rather than checks, but a check would have been my preference. I have no interest in creating new accounts at new financial institutions. I am alarmed that XXXX XXXX Money Network Financial received personal information from IRS ( and from me, during the activation of the card ) and now will not even acknowledge my request to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX21charged interest of {$11.00} after I had paid off XXXX statement balance {$1400.00} by XX/XX/XXXX. 
First paid XX/XX/XXXX {$100.00} Next XX/XX/XXXX {$1100.00} Next XX/XX/XXXX {$230.00} Total paid {$1400.00} just as separate payments. Bill not due until XX/XX/XXXX. 
Other charges hit for next billing cycle after which should be on this next bill. Why am I charged interest when I paid XXXX balance in full.? 
I called and they are insistent about me not paying XXXX bill in full. I did. They still charged me. They bring up billing date and cycle date are different. 
If so, this is misleading the consumer and creates conflict and bad for business. 
How are they allowed to say on billing you pay bill in full you wont be charged interest but they did in fact bill me interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
Citi Bank blocked my checking account on XX/XX/2021 without giving me a valid reason. Since then I have not been able to access my funds, online banking and my salary is stuck in this account. I tried calling their Fraud prevention team but they could not give me any specifics. They asked me to wait for 48 hours. 48 hours have passed and I have tried reaching out to their Fraud team but with no success. Meanwhile, I can not access my own money, can not pay my bills.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
I do not know what I am being penalized for. 

All of a sudden, I start receiving Late Payment notifications on my Credit Score. I do not know what this could be from. 

I have never previously missed payments for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: LA

Complaint narrative:
I just recently reviewed my 3 credit reports after disputing several incorrect items on my report for months. I reviewed these reports from XXXX and still see major errors that the bureaus refuse to properly investigate and remove. I've disputed these incorrect items on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, as well as contacted the original creditors my mail requesting billing activity statements, itemized statements of amounts they claim I owe and proof of contract. There are incorrect names and addresses still listed on my reports, which is ridiculous and show blatant errors. The only spelling of my name that should be reflected on my reports is the name on the passport ID I've attached and the only address that is my current and only address is the one listed on the proof of address paystub I've attached. any other names or addresses reporting beyond this information is inaccurate and needs to be removed from my reports immediately. 

There's a collection account being reported on my XXXX report from XXXX XXXXXXXX XXXX XXXX for {$150.00}. The reporting shows that this is some attempt to collect on a medical debt owed to a doctor. I have a receipt showing proof of payment made DIRECTLY to the doctor 's office/original creditor, XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX.I attached a copy of my receipt to this complaint. This collector, XXXX XXXXXXXX XXXX XXXX  does not have the right to report or continue attempting to collect on a debt that I don't owe them and that I paid off to the original creditor. It isn't legal for them to report this collection as paid or report a payment date when I did not pay their company. I paid my doctor 's office directly in person. This is unacceptable and yet XXXX and XXXX  still reported this inaccurate collections account on XX/XX/XXXX this year AFTER this debt has been paid to the original creditor. 

Then, there are major inaccuracies and discrepancies in the reporting of these alleged charge-off accounts with XXXX and XXXX. XXXX  doesn't report an account number on the XXXX account. There should be a specific account number listed for any accounts reported to my credit. This is just ONE of several inaccuracies on this account and my reports even after the credit bureaus claimed reinvestigation. 

XXXX  and XXXX XXXX accounts are reporting incorrect late payments. The bureaus are reporting this information incorrectly and inconsistently across the bureaus. It's clear they did not truly complete an investigation of my multiple disputes based on the errors that remain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
XXXX XXXX : XX/XX/XXXX for XXXX Chase XXXXXX/XX/XXXX for XXXX Chase XXXXXX/XX/XXXX for XXXX XXXX for XXXX XXXX for XXXX XXXX XXXX and chase Banking have been charging my credit card for {$66.00} on a XXXX XXXX purchase I never made. I have contacted both companies over the course of 4 months each time being assured the charges will be dropped and yet whenever I call chase to see why the charge still appears they tell me because I made the purchase despite the fact that I have been disputing this charge for four months!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2021, it has now been a month since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
When I make my XXXX  XXXX XXXX XXXXXXXX  Utility Payment through XXXX Western Union Authorized Payment Recipient my payment registers one-cent short which entitles XXXX  XXXX XXXX XXXX to log me in their records as paying late. This not only affect my payment with XXXX but with the Credit Bureaus. The answer I receive from Western Union is that there is nothing they can do to correct the problem. The answer I receive from XXXX is to pay more so that I will have a standing CREDIT BALANCE to cover the Monthly one-cent not being accepted at correctly at their Authorized payment recipient Western Union please this has happened on various occasions the latest two being XX/XX/2021 and today XX/XX/2021. The clerk @ the XXXX Western Union pay station was nice enough to provide SCREEN-SHOTS to various that the correct amount were being entered into Western Union System but not on the actual payment Invoice Receipts given to me. I can be reached at ( XXXX XXXX XXXX cell or ( XXXX XXXX XXXX landline. Im giving You authorization to leave messages at either or both numbers listed above. Your attention to this matter will be graciously appreciated. At this very moment I have been holding after being placed on hold by the West Union XXXX XXXX for over 91-minutes I would like BOTH Western Union and XXXX XXXX XXXX XXXX  to receive any documentations you forward to Western Union

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United PanAm Financial Corp.
State: NY

Complaint narrative:
United auto credit has added interest to a charged off account. The account was charged off and I received a letter stating that my balance was only XXXX after the vehicle was sold at auction after a voluntary repossession. Unfortunately I can not furnish the letter because I lost alot of documents in 2017 during a move. They are trying to sue me on an incorrect amount. The amount tremendously exceeds the amount I owed the company. I paid on the car for almost 2 years and still they raised the owed amount as if I never made payments. They are denying to give me a 1099 of the debt that was charged off that I requested many times. They are also reporting inaccurate information on my credit report in regard to this debt. Dates, and amounts are incorrect.

Company response to consumer: Closed with explanation