vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XXXX XX/XX/XXXX, my father, XXXX XXXX XXXX, died in XXXX, South Carolina. He had sole ownership of two certificates of deposit with Wells Fargo listing me as his sole payable on death ( POD ) beneficiary, Per Code of Virginia 6.2-614, any POD account may be paid. on request, to any original party to the account. Payment may be made to the POD upon presentation of to the financial institution showing that the POD payee survived all persons named as original payees. 

On XXXX. XX/XX/XXXX. I visited the Wells Fargo branch at XXXX XXXX XXXX XXXX. XXXX. Virginia XXXX. Consistent with the Code of Virginia. I presented a valid death certificate establishing the date of death. copies of the certificates of deposit listing me as the sole POD, and two valid forms of my personal identification. 

Wells Fargo denied my claim because the death certificate listed my Father 's date of birth as XXXX. XX/XX/XXXX instead of the correct date of birth XXXX XX/XX/XXXX. I stated that under the Virginia Code, I legally complied with then legal threshold to close the certificates by establishing that my father was legally deceased and that I was the rightful ; owner of the certificates as the POD beneficiary. 

Wells Fargo caused me consumer harm under the Consumer Financial Protection Act and the Code of Virginia 6.2-614 by unfairly denying my withdrawal request as the rightful owner of the funds I am asking Wells Fargo to comply with Virginia Law and address the consumer financial harm they have caused by sending the proceeds from the certificates to 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 2020-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
They ran my credit!!! Im not even in that state!!!!! I Did NOT EVER tell this was necessary I explicitly told them, I could NOT do this!!!!! Nor could I make any type of payment at this time ... They committed FRAUD!!!! Im sure Im not the only one theyre doing this too ... ..seems like Local loan operations are in the habit taking advantage of people

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 2020-04-11 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: NV

Complaint narrative:
These are not my accounts.

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 2020-04-11 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: VA

Complaint narrative:
Equifax and XXXX  has information on my credit report that does not belong to me collections from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: NV

Complaint narrative:
These are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: NV

Complaint narrative:
These are not my accounts.

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 2020-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was charged TWO payments for Homeowners Insurance from XXXX XXXX. 
The policy was from XXXX XX/XX/2020. They cancelled me XXXX. They took 2 payments and the last payment was for {$960.00}. I disputed the charge, the Merchant even told Citibank I only owed {$200.00} of the XXXX and the insurance company FAILED to refund my money and citibank gave them the money anyway and kept the charge on 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 monetary relief
Consumer complaint received 2020-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: STERLING JEWELERS, INC.
State: SC

Complaint narrative:
On XX/XX/2019 I was contacted and harassed by XXXX XXXX XXXX XXXX on the behalf of Kay Jewelers in regards to a debt in the amount of XXXX. I was told that if the debt was not paid at that exact moment, that I would be served with papers and sued with the possibility of jail time. There was no option of negotiating the debt, and when asked what would be done once the debt is settled I was informed that they would remove the account from all three credit reporting agencies. It has now been 1 year and the account remains. Also, they have harassed family members after the debt being paid. I paid the debt with my husbands credit card and have attached that document as well.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
I opened a loan using my car as collateral on XX/XX/2019. I made one payment that only covered interest. In XXXX I communicated with the company that I would not be able to make payment and that I was voluntarily surrendering the vehicle. They refused to pick it up and continue to harass me and my references after Ive communicated with them. They call me multiple times a day through different sources and contact my family members with false information about the reason they are calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Riverwalk Financial Corporation
State: IN

Complaint narrative:
XX/XX/XXXX it appeared on my credit, I called Deville and they removed it and then it reappeared on my credit report XX/XX/XXXX I called again and they would not remove it unless I payed! I paid {$600.00} on XX/XX/XXXX and they removed it however the original loan was XXXX whom was sued and lost and the loans were not legal nor should they have been collected on! The company Deville is aware but they said to bad!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
FAY SERVICING and assignee 's XXXX XXXX, modify my mortgage loan as an repayment in XXXX with no late charges, Corporate charges or other charges. They have generated {$1800.00} of these charges against my mortgage loan. As of XX/XX/XXXX Fay Servicing and XXXX XXXX sent me a letter stating : NOTICE OF DEFAULT AND INTENT TO ACCELERATE { Foreclosure } if {$15000.00} is not paid by XX/XX/XXXX amount includes {$1800.00}. Fay Servicing has posted XXXX from XX/XX/XXXX up to date. They continue to cause me an Financial Hardship to foreclose on my home. 

The Deadly Coronavirus ongoing since XX/XX/XXXX is also a result of my financial hardship. 

I have request multiple times in writing to Fay Servicing mortgage options, only a default notice in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: VA

Complaint narrative:
XXXX  and Experian has information on my credit report that does not belong to me collections from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and 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 2020-04-11 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On the morning of XXXX XXXX we brought our mtg account up to date/current via an electronic transfer from my Wells Fargo bank account. That electronic payment was made in the Wells Fargo branch at XXXX XXXX and XXXX in XXXX XXXX, TX. Because the payment was received by Wells Fargo on XXXX, the payment was not late, nor was it missed. Not only has Wells Fargo changed the date on mtg statements in their online system to now showing that they received the funds, from the XXXX to now the XXXX, and refuse to correct it, they have falsely reported it to XXXX and XXXX. I have repeatedly sent letters and copies of the bank statements and the instrument to Wells Fargo Home Mtg, and to Wells Fargo Bank, as well as to XXXX   and XXXX  showing that the payment was drawn from my account, made, AND RECEIVED by Wells Fargo on the XXXX. This has gone on for 4 months. Wells Fargo 's response that it just takes time for XXXX  and XXXX  to get the information is simply a lie, since in XXXX, XXXX  and XXXX   noted that my XXXX payment had been made and the account was already current. XXXX  and XXXX  could not have reported that unless they had already been contacted by Wells Fargo! This and other even more significant and very costly issues have been recurring problems with Wells Fargo. In retaliation for my filing the first complaint, Wells Fargo refused, and still refuses to correct the report to XXXX  and XXXX, but Wells Fargo refused, and still refuses to report ANY of the subsequent mtg payments, which have ALL been on time. Also in retaliation for the complaint, in spite of having a perfect 6 year auto loan repayment history, which was paid off in XXXX with no late nor missed payments, Wells Fargo states that they will neither report the loan as having been paid off, they will also not allow a new auto loan and " informally '' denied my application for another auto loan. This may not seem important to you, but to us it is extremely important. My wife is ill, and I can not purchase a vehicle until the mtg statements are corrected to show the actual date of payment ( XXXX XXXX XXXX, and these negative, and false, credit reports have been corrected by Wells Fargo with XXXX  and XXXX. Additionally, claims by Wells Fargo that it is because of COVID 19 are ridiculous since I have been trying to get this resolved for four months, well before COVID 19. Please correct the on-line mtg statements to accurately show that the payment of XX/XX/XXXX was made and RECEIVED on that date, and correct the reports to XXXX  and XXXX  to correctly show that the XXXX, XXXX, XXXX, and XXXX mtg payments have ALL been on time. This is only just, it is also urgent for us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dyck-O'Neal, Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, I purchased a computer through an affiliate company with my former employer, by the name of XXXX XXXX. My bi-weekly payments to XXXX XXXX for the computer were made via auto-draft payroll deductions. 

The computer was paid in full prior to my resignation from my former employer in XXXX. In fact, to ensure that there was no outstanding balance owed to XXXX XXXX, prior to my departure, the outstanding balance for the computer was deducted from my final paycheck. 

XXXX XXXX reported to a debt collection agency by the name of Dyck O'Neal that I have an outstanding balance of {$XXXX}. This is false. I made attempts to speak with someone at XXXX XXXX about the billing error but to no avail. I also disputed the charges with the collection agency but to no avail. This error has been reported to XXXX   and must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DRS Financial LLC
State: PA

Complaint narrative:
In Dispute with XXXX XXXX Hospital They have ignored my written complaints without response. 
Placed my account for collection with Capital Collections, XXXX XXXX NJ XXXX I have notified Capital Collections with two written notifications that this account is in dispute with XXXX XXXX Hospital. 
They have now ignored those letters of dispute and have begun repeatedly calling via telephone. 
I continue to hold this account in dispute and am pursuing actions with XXXX XXXX Hospital to resolve. 
I am of the understanding that providing written notification of dispute that the agency is to acknowledge the dispute and reframe from further harrasment pending resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/20 i submitted a online dispute with Trans Union, LLC for incorrect information i found on my credit report, they informed me their investigation would be completed on XX/XX/20. today i logged into my portal and i found no resulted for this dispute and the dispute has vanished from their site. i also noticed that my credit report is unchanged or corrected. i have attached all of the same documentation i provide to them when i disputed this incorrect account and evidence that it sould be deleted. also, experian has deleted this account from my credit report and provided the resulted to Trans Union during the original 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 2020-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I've asked this company to stop calling me and take me off their calling list. They wanted to ask for my date of birth and social security number. I politely refused to give them that information. I have asked numerous of times to stop calling me. They just still keep on calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
CASHAPP IS A SCAM ALL THE MONEY, I PUT IN I NEVER ACCESSED IT MY NAME IS XXXX XXXX THEY HAVE NO PHONE NUMBER TO GET ALL MY MONEY BACK. 

XXXX XXXX SCAMMED ME OUT OF CASH APP MONEY XXXX XXXX SCAMMED ME OUT OF MONEY MY BENEFICIAL BANK ACCOUNT IS CLOSED DUE TO THE MERGER OF XXXX. 

I NEED ALL MY CASH APP MONEY BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: CA

Complaint narrative:
On XX/XX/XXXX, I was alerted by my XXXX XXXX app that there had been a hard inquiry reported to Equifax, which I hadnt requested nor authorized. I immediately contacted the company that performed the inquiry, XXXX XXXX, and they opened an investigation. I also went online and disputed the transaction through Equifaxs online process. I then received a letter from Equifax, dated XX/XX/XXXX ( just one day after the dispute was filed ), stating that the inquiry was a factual record of file access. On XX/XX/XXXX, I received a letter from XXXX XXXX  saying that their investigation had been completed and confirmed that it was fraudulent. The letter further stated that the bank would inform all three credit bureaus to have it removed. So, on XX/XX/XXXX, I checked my credit report and found that the inquiry is still on their and still impacting my credit score. I again filed a dispute with Equifax who again stated that inquiries are factual records of file access. I understand that it is factual that someone accessed my credit file, but they did son fraudulently so this should not appear on my credit file, especially when it impacts my credit score. Also, I wanted to attach the letter from XXXX  to my dispute, but Equifaxs website does not offer that option.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have repeatedly tried to provide Experian with documents related to a trade line on my credit report. The trade line is an account with XXXX and contains inaccurate derogatory information. 

Experian has not provided me with a method to upload my supporting documentation and has repeatedly denied my dispute with verifying the account with XXXX. 

I request that Experien use my supporting documentation and also verify the trade with XXXX. Other CRA are doing this and have removed the inaccurate information. 

Lastly I spoke with an Experian representative who gave the name XXXX only on XX/XX/2020 at XXXX XXXX. XXXX was not professional and was aggressive in his manner dealing with me. He refused to provide a reasonable method for me to upload documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-11 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclay XXXX sent a letter dated XX/XX/XXXX to restore credit card use for XX/XX/XXXX, that they erroneously CLOSED in XX/XX/XXXX. Instead, the account remains closed. Todays date is XX/XX/XXXX ; more then enough time for a resolve a simple mistake. At this time, I would like the company to stop harassing me and either restore the credit status or delete my name from their company 's record. I despise doing business with incompetent individuals who poorly represent an institution. Save your energy and time for more challenging jobs. Thank you

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 2020-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Deposited a check XXXX before XXXX. as of today XX/XX/11 funds are still not available. I called and they said check us on a authorization hold ... because of the other bank. this is XXXX because there were 3 other checks written to other family and the other 2 cleared, so it's not the issues bank, its 53. It has never taken this long for check to clear. Max is 3 days. I have to wait till next Friday, 11 days. I have Bill 's that I will now be late on because 53 is holding my money captive. NO where in there terms does it says it takes this long. Please look into this for me. its illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
I tried to verify the debt with this company all letters were returned unopened and they only verified with credit agency with false information. I took the landlord to court received a judgement and won my security deposit back. I notified the collection agency and faxed court documents they refused to remove the item. It has cost me not to get credit or places to live. The old landlord said they have no control over the collection agency. The information is incorrect and they are reporting me over 30days behind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I went to make a payment on my loan and saw a note on door that they are closing early. They had already closed when I got there. The next business day, I called to get my payoff bal. An employee of the company told me {$1200.00}. I was going to go pay but the rep told me they were about to close. The next day I went to pay, but when I handed them the payment, a different rep told me the payoff was {$1300.00}. I informed her that on the day before that they told me {$1200.00} and I was on the way to pay but they were closing. She told me that it was interest accruing.So {$120.00} was interest for 1 day?! She replied yes. I asked if it could be waived in light of the situation and because they had started limiting their hours they were open. Reply was no.

Company response to consumer: Closed with explanation