vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-16 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: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
XX/XX/XXXX I made one credit card with National Bank of Arizona. I received a credit card ending with XXXX around XX/XX/2020. I start purchases with this credit card. 

On XX/XX/XXXX I made a payment from my business bank with NBAZ of {$1000.00}. statement reads " CREDIT CARD ECS XXXX XXXX CONTROL REF # XXXX {$1000.00} '' On XX/XX/XXXX I noticed that I had 2 accounts for the same credit card, one ends with XXXX XXXX ends with XXXX, that also had the same balance for the same transactions. I brought this up with my banker over email and was told it would be taken care of. 

" Hi XXXX, The card ending XXXX is the control account, which you will not have a card for, they shouldnt have set up your account this way. All balances roll up to the control account. ( This is more for businesses that have several cards for their employees. ) I will have them delete the control account so that you just have the one card, it wont be so confusing then. I will find out when that card is closed. '' The account ending with XXXX was then closed ( I was not told the date nor given a statment or anything by mail ) I must assume it was closed on XX/XX/2020 as this the date I received a statement on my account ending with XXXX stating " TRANSFER BAL FROM CARD XXXX {$1700.00} '' Not only this but I have no record of the {$1000.00} on my credit card payment history ending with XXXX. BECAUSE THEY PUT IT ON MY DUPLICATED ACCOUNT ENDING WITH XXXX AND THEN DELETED IT. 

Thus, I have been double billed XXXX on the account ending with XXXX and paid {$1000.00} on a control account ending with XXXX that should have had the payment transferred to the account ending with XXXX to the account ending with XXXX with my CC account with NBAZ. 

In total I have been cheated {$2800.00} from my CC with NBAZ.

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 2020-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
The collection agency below was not updating payments submitted directly to XXXX XXXX and reported the account as unpaid. Account was under payment plan with XXXX XXXX directly. 

SEQUIUM ASSET SOLUTIONS INC XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX The report is inaccurate and XXXX  XXXX  has already contact them to resolve the issue and remove the incorrect report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: NJ

Complaint narrative:
The platinum card ending has been settled on XX/XX/XXXX to the collection agency XXXX has assigned but on Equifax credit report shows updated on XX/XX/XXXX with balance of {$1500.00}. Are you still going to say that the XXXX is reporting correctly? If you collection agency didnt report to XXXX in timely manner its not my fault. This email is in reference to an ongoing issue. I am very frustrated as I have been going back and forth with your XXXX XXXX and sadly no concrete outcome has been made. Please see the attached documents from both credit bureaus XXXX  and Equifax that show XXXX XXXX reporting incorrectly missed payment when there is no balance due. 

I request you to please research the incorrect reporting from XXXX XXXX 's end and help resolve this issue. Unfortunately, reaching out to the credit bureau directly is not solving the issue because I am being told that the discrepancy is from XXXX XXXX end. 

XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX account on XXXX  shows completely wrong information as these account were opened up on XX/XX/XXXX and charged off on XX/XX/XXXX and as per the details provided by XXXX representative but on the credit report it missing the payment history from XX/XX/XXXX through XX/XX/XXXX, This account was fully paid in XXXX and reported to XXXX  as paid in full but is still showing negative for the month of XX/XX/XXXX which is an error. 

Equifax : XXXX XXXX Cash card is still showing on Equifax as charged off but no update on to the payment status being paid in full and after speaking to the Equifax 's representative today they advised me to check directly with XXXX XXXX because only XXXX could send the update as charge paid in full. 

XXXX XXXX XXXX card is still showing on Equifax as charge off but no update on the payment status and showing the major delinquency in XX/XX/XXXX. 

In summary, I am requesting you to look into the matter on an urgent basis because due to these error reports by XXXX I am hurting both mentally and financially. 
I am requesting you to please assign someone to handle all these issues and send me an update by fixing or removing from the credit report. 

Please feel free to forward this to the correct

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The platinum card ending has been settled on XX/XX/XXXX to the collection agency XXXX has assigned but on XXXX  credit report shows updated on XX/XX/XXXX with balance of {$1500.00}. Are you still going to say that the XXXX is reporting correctly? If you collection agency didnt report to XXXX in timely manner its not my fault. This email is in reference to an ongoing issue. I am very frustrated as I have been going back and forth with your XXXX XXXX and sadly no concrete outcome has been made. Please see the attached documents from both credit bureaus Experian and XXXX  that show XXXX XXXX reporting incorrectly missed payment when there is no balance due. 

I request you to please research the incorrect reporting from XXXX XXXX 's end and help resolve this issue. Unfortunately, reaching out to the credit bureau directly is not solving the issue because I am being told that the discrepancy is from XXXX XXXX end. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX account on Experian shows completely wrong information as these account were opened up on XX/XX/XXXX and charged off on XX/XX/XXXX and as per the details provided by XXXX representative but on the credit report it missing the payment history from XX/XX/XXXX through XX/XX/XXXX, This account was fully paid in XXXX and reported to Experian as paid in full but is still showing negative for the month of XX/XX/XXXX which is an error. 

XXXX : XXXX XXXX Cash card is still showing on XXXX  as charged off but no update on to the payment status being paid in full and after speaking to the XXXX 's representative today they advised me to check directly with XXXX XXXX because only XXXX could send the update as charge paid in full. 

XXXX XXXX XXXX card is still showing on XXXX  as charge off but no update on the payment status and showing the major delinquency in XX/XX/XXXX. 

In summary, I am requesting you to look into the matter on an urgent basis because due to these error reports by XXXX I am hurting both mentally and financially. 
I am requesting you to please assign someone to handle all these issues and send me an update by fixing or removing from the credit report. 

Please feel free to forward this to the correct

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 2020-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/20 I had a direct deposit from XXXX  XXXX XXXX XXXX in the amount of {$10000.00} for back pay of Missouri Unemployment claim. Transaction ID # XXXX when I attempted to use funds paypal advised me that my account was limited and to send in a copy of my ID and to verify previous transactions on my account, which i provided all information they requested. I was then advised my account has been closed and I would need to wait 180 days before my funds would become available to me. I attempted to contact customer service multiple times which took my entire day. I spoke with an employee named XXXX emp id XXXX who refused to transfer me to a supervisor and after a hour of refusing ended up hanging up on me. I then spoke with XXXX who transferred me to a supervisor that refused to provide me his name and wouldnt answer any of my questions and hung up on me again. Im demanding that my balance of {$10000.00} to be released immediately so im able to move the funds out of that account and permanently close my account with paypal. This has not only caused problems with previously arranged payments but also has caused a problem with receiving payment for multiple jobs. I will NOT wait 180 days until they release my funds when ive not been given a valid explanation of why they are holding my funds. I expect my funds to be released within the 15 days of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On the following dates I had fraudulent charges placed on my Citi Double Cash credit card : XX/XX/2020 XXXX XXXX  XXXX CA Digital Account Number XXXX {$42.00} XX/XX/2020 XXXX XXXX  XXXX CA Digital Account Number XXXX {$170.00} XX/XX/2020 XXXX XXXX   XXXX CA Digital Account Number XXXX {$52.00} XX/XX/2020 XXXX XXXX XXXX CA {$41.00} XX/XX/2020 XXXX XXXX  XXXX CA {$20.00} XX/XX/2020 XXXX XXXX  XXXX CA {$54.00} XX/XX/2020 XXXX XXXX   XXXX CA {$73.00} XX/XX/2020 XXXX XXXX  XXXX CA {$40.00} XX/XX/2020 XXXX XXXX   XXXX CA {$5.00} XX/XX/2020 XXXX XXXX  XXXX CA {$31.00} XX/XX/2020 XXXX XXXX  XXXX CA {$32.00} XX/XX/2020 XXXX XXXX   XXXX CA {$58.00} I was contacted by Citi and stated that the charges were all fraudulent. From XX/XX/XXXX to XX/XX/2020 my entire family was in quarantine with Covid-19, and this can be verified by my employer, the XXXX XXXX  XXXX XXXX XXXX, and my medical provider. I have been very responsive with Citi and immediately replied to all inquiries, and stated that the card in question was in my physical possession while I was in my home. The information provided by XXXX to Citi shows no information matches me, and the card was used in New York. In addition they continued allowing the card to be used after I reported the fraudulent use, and they replaced the card twice before finally stopping all charges placed by XXXX on my account. At this point I lack so much trust in the process the card is locked in a safe and deactivated on the Citi website. 

As of today the investigation is ongoing with Citi stating I have not been replying to their requests which is false. I have never had this much trouble with fraudulent charges on many accounts over the years. The customer service, while polite, is difficult to understand, very limited in what they are able to do, and repeatedly state they are resolving this issue, however nothing seems to have been resolved. Their security and call centers are unable to or unwilling to allow me to speak with managerial staff to get further clarity or any other information. Problems like this with a Citi Costco card have never gone on this long, nor with XXXX, or XXXX XXXX. The Citi rep states 1-2 billing cycles, however we are already beyond 2 billing cycles and this does not appear to be anywhere close to being resolved. I would even suggest that they are investigating each individual transaction separately despite them all being done with one company by the same account holder at XXXX. 

I was first contacted in XXXX, and last contacted on XX/XX/XXXX and last replied on XX/XX/XXXX. I am including the most recent correspondence as well.

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 2020-10-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
called credit card for kohls and wanted explanation for high APR and protected balance interest. I never authorized this insurance for protected balance and yet getting charged. Pay on time and pay more than minimum amount and APR high. Requested removal of Protected balance customer service could not explain or remove. I have excellent credit and see no reason for this insurance. I pay XXXX per month and only XXXX is applied to balance interest total each month is XXXX or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: CA

Complaint narrative:
I pulled my report recently, and I notice inaccurate information reported by TRANSUNION regarding a Charge Off account XXXX # XXXX. This account was charged off in XXXX. 

TRANSUNION violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$2500.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$2500.00} and a Charge Off/Close Account must show {$0.00} Past Due.

3. Delete this account, because it shows Payment History reported  consecutively as Charge Off C/O on these dates XX/XX/XXXX ; XX/XX/XXXX ; and Collection, COL on these dates XX/XX/XXXX ; XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as C/O, COL reported on my credit report.

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my TRANSUNION Credit Report and circled the violations, TRANSUNION violated. 

TRANSUNION must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violations of the Fair  Credit Reporting Act

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 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This a follow up from claim XXXX submitted on XX/XX/2020 I have included a copy of my license, social security card, utility bill, birth certificate to verify my identy and proven this complaint is being submitted my me XXXX XXXX On XX/XX/2020 I mailed in a dispute to Experian regarding a collection on my account from XXXX XXXX XXXX  on XX/XX/2020 experian complete their investigation and sent a copy of my credit report stating completed investigation of FCRA dispute consumer disagrees iteam was updated. On XX/XX/2020 I mailed in a letter requesting experians method of verification wich Is my right under FCRA 611 asking for all information provided by the creditor to be forwarded to me received a post card in the mail on XX/XX/2020 I received a copy of my credit report stating this iteam was updated from the process of your dispute on XX/XX/2020 I mailed in a letter requesting method of verification one last time I asked for names, telephone number, a copy of legal documents bearing my signature showing I have a  binding contract with the XXXX XXXX XXXX  agreeing to the exact amount claimed. In XX/XX/2020 I received a copy of my credit report they updated the balance from {$820.00} to {$1000.00} after the iteam has been on my credit file for over 5 years I have never received any information as requested from experian wich I have the right to under FCRA 611 experian is not doing their job and  investigating my disputes properly this is not the only account that includes false information regarding experian at this point experian is making up stuff I have been personally affected by experians negligence to properly verify information on my credit file I have lost out on numerous job housing and credit opportunities experian needs to be held accountable. On XX/XX/2020 I submitted a complaint to CFPB experian refused to investigate my claim stating they did not think it was me submitting my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2020 I did express send with an amount of {$650.00} to a family member to the bank XXXX in XXXX. But on their end is showing that their was no money sent to the account.

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 2020-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: GA

Complaint narrative:
I have asked for the last 4 payments XXXX {$650.00} XXXX {$500.00} XXXX {$700.00} XXXX {$800.00} on my account to be applied towards my Principal balance and I have yet to see it be applied. I dont understand why it hasn't been applied. In total {$1200.00} went to interest when that should have gone towards my principal balance. 

I'm trying to pay this balance down while I still have a job. All you're doing is applying it toward interest which is not helping at all. I noticed based on other reviews on this company I'm not the only person who has been asking for this request and it hasn't been updated yet.

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 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
An agency reported a delinquent account on my record, of which I requested documentation to support their claim. I got nothing ... and when I fIled a dispute with Experian they did nothing but ask the agency to validate their claim. They responded with it was accurate? How in Gods name is that response to validate a Claim dispute? Wheres the validation????? This is a scam and ought to be carefully looked into.

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 2020-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kinum, Inc., Indianapolis, IN Branch
State: IA

Complaint narrative:
I was never given proof of the debt, never notified of my right to dispute and received harassment from XXXX at Kinum.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A month ago XX/XX/2020 I requested my credit reports From XXXX XXXX and I did receive them. On XX/XX/2020 I paid for credit reports and have yet to receive them. I even sent them an email and have yet to hear back from them. I also paid for reports from XXXX XXXX XXXX on XX/XX/2020 and have yet to receive them.

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 2020-10-16 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: GA

Complaint narrative:
A month ago XX/XX/2020 I requested my credit reports From XXXX XXXX and I did receive them. On XX/XX/2020 I paid for credit reports and have yet to receive them. I even sent them an email and have yet to hear back from them. I also paid for reports from XXXX XXXX XXXX on XX/XX/2020 and have yet to receive them.

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 2020-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or missing disclosures — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Basically I check from same bank for {$22000.00} I deposit check XX/XX/XXXXplace check on hold 7days.The same bank gave me the check they placed a hold on the check refuse to give me my money I kept on telling me to come back the next day the next day the next day. I felt like they were trying to steal my money I dont feel that thats right it was my money anyways the check was issued by the same bank they should have giving me my money up in three days they said they didnt have any cash thats not my problem that was my money.

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