vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was trying to get a student loan and I was talking to Ms XXXX I provide information like date of birth and social security along with the bank information. The next thing I know she went into my XXXX  banking chose XXXX put her telephone number in and proceeded to process a transaction with her phone accepting the transaction in the amount of 800.00. I filed a ddispute with regions and they denied my claim. I was suppose to receive the dispute information thru my email but nothing was provided

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 2021-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have a BJ Perks Mastercard. It's a XXXX 's XXXX XXXX branded card that's issued by Comenity Bank. I have excellent credit and always pay my bills in full. Occasionally, I get busy and forget to pay the bill on time. It is rare that I pay late, but if I do it's usually no more than an hour or two late. Unlike most credit cards, Comenity Bank has a hard cut-off of XXXX XXXX XXXX. My complaint is about the late fees and interest that Comenity Bank charges for paying late. It is excessive and usurious. XXXX  Comenity Bank charges a late fee of " up to {$40.00} '' for being late. Second, it charges interest at a high interest rate of 15 %. This is piling on. The interest charge, which is already 15 or more times the going rate of interest, is supposed to cover the cost of being late, but goes further in penalizing someone for being late XXXX Comenity Bank will charge the interest even if you're one minute late ; and to be fair, all credit card companies charge unreasonably high rates of interest ). Why then is a late fee added on top of it? And why does the late fee vary? I have no problem paying something for being late. If you're late, you're late. I do have a problem, however, with excessive and double charging. One month, I was a few minutes late and was charged interest plus a late fee of {$35.00} XXXX which was exactly equal to the balance due on the account of {$35.00} XXXX. I raised a stink about this and Comenity Bank reversed the fees because of my excellent payment history. Last month, the payment slipped by mind and I wound up paying two days late. The balance due was {$17.00} XXXX this was the entire balance ; I never pay the minimum, I always pay in full ). I was charged a late fee of {$17.00} plus {$2.00} of interest. I was charged 112 % of the balance due as a late fee. By any definition, that is excessive and usurious. My attempts to get someone atComenity Bank to understandwhat it's doing is unfair and unethicalhave fallen on deaf ears. Comenity Bank and othercredit card companiesshould not be allowed to charge such excessive amounts. It's just plain wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have found a couple of inquiries on my credit report that I do not recognize and never authorized. I have sent multiple letters to Transunion about it but nothing has been done. Until today those unauthorized inquiries are still on my credit report XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX  XXXX / XXXX XXXX XXXX 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 2021-03-27 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: PA

Complaint narrative:
XXXX XXXX of the Family XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX Exempt, ( DMM 602 1.3e ( 2 ) ) Non Domestic, Real XXXX XXXX XXXX XXXX XXXX it XXXX concern, I XXXX XXXX writing you today as an aggrieved man. I am a victim of identity theft. I checked my credit report with Transunion today and noticed unauthorized hard inquiries I have knowledge of. A variation of my name and addresses I have never resided at. 

The unknown and unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FXXXX XXXX  The unknown and unauthorized addresses are as follows : XXXX XXXX XXXX XXXX XXXX, OR XXXX and XXXX XXXX XXXX XXXX XXXX, NEW JERSEY XXXX. 
The unknown and unauthorized name is as follows : 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 2021-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Accounts Receivable Consultants Inc.
State: TX

Complaint narrative:
I went to the XXXX XXXX sometime in XXXX when I was diagnosed with XXXX XXXX XXXX. They gave me a monitor and did not tell me about a deductible that I had. Matter of fact they told me I only had to pay a copay of {$5.00} which I paid when I was seen. A few months later I get a bill in the mail from a collections agency ( with the wrong address on it ) about a debt that I had no idea of. When I received this letter I immediately called The XXXX XXXXr and paid the full debt, it was not settled. The XXXX XXXX never sent me any mail about this bill or attempted to contact me regarding said bill. The letter that they sent was to an incorrect address and I told them this multiple times. When I realized that I owed for this monitor I immediately paid the debt in XX/XX/XXXX XXXX I have my billing statement as evidence ). The XXXX XXXX said they do not have any type of information that this bill was paid, yet in XXXX they finally updated it. The XXXX XXXX have that I paid this debt in XX/XX/XXXX which is incorrect and is negatively affecting my credit. When I told their billing department this she said I should have updated my address, I have been at my place of residence for the past XXXX years therefore my address shouldve been correct because it has never changed. The person at the billing department told me that she would call the collections agency to update this debt and ultimately have it removed. When I spoke to her on XX/XX/XXXX she said there was nothing she could do and she was very rude about the whole situation. The collections agency also told me that they will not update this incorrect information. I have attempted to dispute the information as well. This has been an ongoing issue for over a year now. When I called the collections agency XX/XX/XXXX he would not listen, he was very rude and kept repeating that it is bad debt. I tried to explain to him that I paid this debt in full to the XXXX XXXX when I finally received the bill. We got off the phone without a resolution. They continue to update this debt on my report as if it has not been paid. They also have that it was paid XX/XX/XXXX when it was paid to the XXXX  XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I phoned Ally and spoke with XXXX to request requiring two-factor authentication ( email and phone ) whenever I log in to my Ally account. He created case # XXXX and said somebody would contact me within two days. 

Nobody contacted me so I logged into my Ally account - which I really didn't want to do, as another non-Ally password was hacked and I'm concerned about security - and sent a message asking for two-factor verification. XXXX XXXX responded that the request # XXXX was created but did not go through. She created another case # XXXX to escalate the case. Also another case # XXXX - I have no idea what that's for. She wrote " you will still receive multi-factor authentication notices/security code requests to your trusted devices as well as from any other device via different location, public facility, hotspot, which will alert you should anyone other than yourself is attempting to log into your Ally Bank XXXX '' which is completely NOT true. I was able to log in just now and it only asked me for my password and sent ONE code, to my email, rather than the TWO codes I had requested ( an additional code to my phone ).

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 2021-03-27 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: CA

Complaint narrative:
Wells Fargo sent me the following email. I attempted to advise them I am not a Wells Fargo client and not bound by any of their internal decisions via a reply to the email and they instructed me to attempt to login via a link. I believe Wells Fargo is engaging in their standard practice of opening accounts for people that have not been requested. 

Please see the email below : From : Wells Fargo XXXX We are updating the XXXX XXXX XXXX Addendum When you enrolled in the XXXX XXXX XXXX, you reviewed and accepted our XXXX XXXX XXXX XXXX to the Wells Fargo XXXX XXXX XXXX ( XXXX ). On XX/XX/2021, the XXXX XXXX XXXX XXXX will be revised to provide more clarity on the use of XXXX and to remove outdated information. 

No action is required on your part. This notice is simply to let you know that certain terms in the XXXX XXXX XXXX XXXX will be updated. Your continued use or access of the XXXX XXXX XXXX is your agreement to these changes. 

For more details, please review the XXXX Summary of Updates and access the full upcoming XXXX XXXX XXXX Addendum to the Wells Fargo XXXX. 

If you have questions, please send us a secure email. 

Thank you for being a Wells Fargo customer. 

Wells Fargo Online Customer Service XXXX XXXX XXXX XXXX XXXX and the XXXX related marks are wholly owned by XXXX XXXX XXXX XXXX XXXX and are used herein under license. 

Wells Fargo Bank, N.A. Member FDIC. 

Please do not reply to this automated email. 
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 2021-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against LVNV FUNDING / RESURGENT CAPITALL. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Betterment LLC
State: AZ

Complaint narrative:
Tried to make a ach payment and betterment has blocked any outside login for use

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am requesting a security freeze for my credit fie I recently lost my wallet and ID SS card. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I would also like a PIN number to protect all of the credit information. I need a new copy of my Trans Union and XXXX  credit report as well too!! I believe someone have already started applying for account in my name because I have received alerts for A XXXX XXXX, I don't have any credit cards. I have a fraudulent account from XXXX XXXX XXXX # XXXX, 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 2021-03-27 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I settled a charged off account with Citibank Best Buy credit card in XX/XX/XXXX. I was told the balance would be considered paid in full and even received a letter stating this. The following month it was reported to the credit bureaus I still owed the remaining balance. I had to dispute this with the credit bureaus. It is now XX/XX/XXXX. The balance shows XXXX $ owed ( finally ) however ; they continue to report my account as a charge off every single month although I settled with them and owe them nothing. This continues to ruin my credit and show as current delinquency and is preventing me from getting anywhere with improving my credit score. I have filed 4 disputes against them. I want the charge offs gone from my credit reports and further reporting of a charge off stopped. I was offered a deal and have paperwork to prove it. I paid with money order and received a settlement letter. I want Citibank Best Buy to stop reporting me as a monthly charge off for an account that I no longer owe and I paid.

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 2021-03-27 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: NV

Complaint narrative:
I used part of my stimulus to pay off credit card debt and my score plummeted by 69 points on TransUnion and XXXX. I was alerted by XXXX XXXX. It's very obvious that the system does not calculate credit scores accurately. I have a 100 % record for paying timely. XXXX  is not involved with XXXX XXXX and shows the score over 600.

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 2021-03-27 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have spoke to several team members over the phone. This item was purchased in XXXX of last year. This process has been ongoing and unsuccessful. Long story short I purchased the item and it was damaged so I returned it with the shipping label provided. I never got a refund. Spent several of hours with customer care rep 's line with broken promises. I can provide proof of my lengthily phone calls with the company over the last 6+ months. They can pull the last conversation since their lines are recorded. An associate said this matter was handled and I have been refunded.I recently spoke to someone and was told this was taken care of and I will not be held responsible for this purchase.It seems as if the item was lost by the postal service during the return or misplaced at Saks warehouse. At this point I no longer want to be a Saks card member after experiencing this lack of customer service. There is a current dispute in place. I have also filed with XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells fargo paid me {$500.00} in installments for the opening accounts scandal. But this doesn't cover what their employees did to me XXXX and XXXX XXXX. I didn't receive the {$500.00} all at once. XXXX XXXX is an outright slanderer. She slandered me at wells fargo causing me to lose my new checking account on XX/XX/XXXX. After running back and forth. But I was being set up by XXXX XXXX for her to try & have me arrested by the police & those employees at the XXXX XXXX location were involved. XXXX XXXX caused me and my son lots of problems. We have been harassed by our neighbors because she is using her, a position as a district manager to harass me. Due to her slander, she caused my son in XXXX to be XXXX  by our neighbor. But it was XXXX and XXXX XXXX intent to slander my name to get others to hate me. It's the reason why I can't have a checking account or any type of loan if wells fargo is on the store credit card. I can't have an auto loan through them or anything. XXXX XXXX doesn't want me to have a thing. But with my son being assaulted in XXXX was crossing the line. She has had all her renters harass me. But everything is in her favor because she talks a good talk & turns it around on me saying I harassed her & everyone believes her side of the story. I have a right to be angry about how XXXX XXXX meddling in my life. Wells fargo went along with her lies. She didn't care that she was messing with my life or financial well being.

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 2021-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Phoenix Financial Services LLC
State: WV

Complaint narrative:
Phoenix financial has two accounts listed on my credit report that is a violation of fair credit laws. The first problem is validation. The second problem, another violation I have no idea what these amounts are for or the date because I never received a notice stating I owed the amounts of XXXX and XXXX or any detail how they calculated amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have found a couple of inquiries on my credit report that I do not recognize, never authorized. I have sent multiple letters to Equifax about it but nothing has been done. It is EQUIFAX responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. I have never authorized those inquiries and I don't even know those companies and don't have an account with them. Remove immediately those inquiries!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I used part of my stimulus to pay off credit card debt and my score plummeted by 69 points on XXXX  and Equifax. I was alerted by XXXX XXXX. It's very obvious that the system does not calculate credit scores accurately. I have a 100 % record for paying timely. XXXX  is not involved with XXXX XXXX and shows the score over 600.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
My XXXX  account has disappeared from my credit.

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 2021-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened up a Citi Bank account online. At that time I was provided my account number to both my checking and savings account. I was able to make an online account with that information. My landlord needed me to XXXX over some money for the months rent and it gave me an error message of access blocked I called the Citi Bank customer service line and was promised to get a call back by the end of the day. Never got a call back. Called again the next day and one rep told me incorrect information just to get me off the phone saying I had to wait on my card to even make an account and that the block was lifted. So I tried to make the transfer again and it gave me the same error message. I called once again and got the same answer about my account being under review and I will get a call within 24 hours. All in all, my funds are in a jam at this bank and there was no reason what so ever given to me about why my account is under review in the first place.

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