vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I made a payment to my Capital One credit card ending in XXXX. This payment was above my " regular '' monthly payment or even the history of payments. I paid {$380.00}. This was the balance at the time. I have four accounts with Capital One -- savings, checking, and two ( 2 ) credit cards. Previous payments have been made via the checking account and the payments posted within 24 hours. These payments are electronic. On XX/XX/XXXX, it was an electronic payment. I telephoned Capital One on XX/XX/XXXX inquiring into the posting. I was informed that a " hold '' was placed on the payment. However, the Associate stated that she could make a call to have it override. I declined and stated I will call back in a few days. On XX/XX/XXXX, I call and was informed that the " hold '' will last until the XXXX. I requested a supervisor and XXXX was placed on the phone. She informed me that due to federal regulations that Capital One can place a 7 day hold on the payment " just in case ''. I asked that she mail me this regulation. She declined. It was then I felt like a criminal. I asked to speak with her superior and she stated she is " it ''. I called and spoke with XXXX and XXXX, respectfully. They both stated there was as " hold ''. XXXX did give me the courtesy of reviewing the " list '' of possible reasons for the " hold ''. Just reaffirming that the payment was " suspicious '' ; therefore, reinforcing that I could possibly be a criminal. He stated that my " pattern of payments '' have changed. No other reasons are given to justify this action by Capital One except my " pattern of payments '' have changed. This is quite disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: CA

Complaint narrative:
Recieved an alert from citi for fraud on card XXXX. Spoke to agent provided amounts that were fraudulent. Fraud amounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX subtotal of {$690.00} Followed up w citi on XXXX at XXXX agents name was XXXX XXXX from the security team. 

issue # 1 - Provessional credit was not provided for the XXXX as per Reg E Unauthorized Transfers regulatory obligation. Although it appears that they are following the 45 day investigation service level agreement under reg e. 

issue # 2 - Agent proceeded to tell me that I was not required to pay the subtotal amount however, that was never communicated to me on XX/XX/XXXX when i reported the fraud. 

I believe citi is not following reg e correctly. They should have issued me the provisional credit while they conducted their investigation especially given that the fraud was correctly identified by the bank 's platform and subsquently alerted me to the concern.

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 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: TX

Complaint narrative:
XXXX XXXX and XXXX showing inaccurate on 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 2020-07-15 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: TX

Complaint narrative:
XXXX XXXX and XXXX showing inaccurate on 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 2020-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
We received a letter from Wakefield & Associates stating that we needed to contact them to avoid litigation. My husband contacted them on XX/XX/2020 and offered to settle the debt for {$1300.00} with a debit card over the phone. The company refused stating that they would not accept anything other than the balance in full even though their insinuated that we could call for other arrangements. We would very much like to settle this debt but the agency and hospital are refusing to settle the debt. Further, we did not receive a breakdown of any of the supposed charges, just a letter threatening litigation. I am XXXX  and my husband 's job has been impacted by Covid. We are also XXXX XXXX XXXX in XXXX which will come with additional bills. We can pay {$1300.00} today to resolve this debt that we supposedly owe, but have not received proof of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE FRAUDULENT ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY THE INDIVIDUAL WHO WAS ABLE TO OPEN THESE ACCOUNTS AND INQUIRIES. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT FILE BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE FRAUDULENT ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG 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 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE FRAUDULENT ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY THE INDIVIDUAL WHO WAS ABLE TO OPEN THESE ACCOUNTS AND INQUIRIES. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT FILE BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE FRAUDULENT ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG 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 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
This is a Generic Complaint for All Mortgage Lenders and All Credit Reporting Bureaus. I am asking the CFPB to Change the Rules for Pulling Credit Reports so that Borrowers have the Right to Select the " Version '' of FICO or Credit Scores used by Lenders for Underwriting. FICO 8 scores are what most consumers see and want, but most Lenders use the outdated Fico 2, 4 and 5 versions. This should be the choice of Consumers and not the Lenders on What version is used for Underwriting Credit. 
Mortgage Lenders should let Consumers choose FICO 8 for mortgage loan credit scores if we as borrowers want. The vast majority of lenders still rely on FICO 2, 4 and 5 scores, which are all part of a larger report mortgage lenders can obtain called the residential mortgage credit report ( RMCR ). This report contains credit reporting on an individual from all three major credit reporting agencies. However, Score Values differ greatly from Older vs. Newer versions of FICO. If newer versions help, consumers should have the right for a bank to use FICO 8 if a borrower pays for a FICO 8 reporting service. 
XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
The scammer sent me a {$2900.00} Cashiers Check through mail and an offering of a XXXX XXXX XXXX job pledging to pay a {$300.00} for each survey made. He ordered me to deposite the check into my acount. I deposited the check on XX/XX/2020 and the bank cleared the check and posted the funds on my account on XX/XX/2020. The scammer was following and ordering me to do his job order with great impulse and warp speed. He asked me to check whether the funds are available in my account. I told the scammer the funds are available in my account. He order me to purchase a total of {$2600.00} gift cards and a {$25.00} Cashiers Check pable to XXXX XXXX. As per his order, I purchased a {$1000.00} XXXX and a {$1600.00} XXXX gift cards and a {$25.00} Cashiers Check. He order me to scratch the purchased gift card PIN number and take a picture and then send to him. Shortl I did all the scammers job order, the bank notified me as I overdrwan the funds and my account balnce is under XXXX. The scammer uses other phone number ( XXXX ) and name. Using his second phone number he sent me this message : Go ahead through XXXX and mail it to below information and make sure you put the receipt inside it okay Receiver 's Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX ... .... : XXXX XXXX ... ... : TX Zip Code ... : 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 2020-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/2020 my mortgage servicer charged me an appraisal fee of {$170.00}. I did not request this appraisal. My mortgage servicer used this appraisal to raise my monthly payment. The STOLE the  {$170.00} from me by simply taking it out of my monthly payment without even telling me that they were going to do this. I contact Shellpoint and complained and they removed the fee. Now Ive looked at my XXXX statement, and now the charge is listed on my mortgage statement AND included in the amount. So I cant simply make my mortgage payment without paying the {$170.00} because it will be deemed as a Partial payment and be recorded as a late payment. Shellpoint has already raised my mortgage for the 3rd time since acquiring my loan 12 months ago. My other two previous mortgage servicers never raises my mortgage, it was {$1800.00}. Shellpoint has raised my payment to {$2000.00}. Why do they keep raising my mortgage? I want Shellpoint to permanently remove the {$170.00} appraisal fee, as I did not request or authorized them to appraise my home!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV Funding LLC is currently trying to collect on a debt that they have not and can not verify as my actual debt they took me to court and then stated that they couldnt verify it and would throw it out and that they would send papers allowing me to sign, i never received the paperwork and the information is still on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
On XX/XX/2020 I sent a validation request to Wakefield and Associates certified mail receipt XXXX. To this date I have not received anything pertaining to my request regarding this account, however I continue to get collection calls from the company even though they have yet to validate. I have been called from XXXX as well as XXXX from Wakefield. They both called and made contact with either myself or voicemail. After contacting me/leaving a voicemail, continuing to call the same day is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Opened a savings and checking account on XX/XX/2020 at Chase. They instructed me today XX/XX/2020 and gave me no reason. They refuse to give me a check for the remaining balance. Spoke to a couple of phone and in person bankers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX, while I was out XXXX shopping, Capital One chose to send multiple texts to my phone verifying if I was the person attempting to make a purchase. Even though I verified, with the phone number that they have on record, they have flagged both my Visa and Mastercard accounts for fraud and demanded that I send them a copy of my actual social security card, which for my protection I am not comfortable with especially since I've received notifications from them before that my information previously provided to them has been possibly compromised. Capital One has also blocked my access to log into their app to make payments on my account, which is how I'd always made my previous payments up to that time, all well before the due date. The representative that I spoke to falsely advise me that I could pay by phone through an automated system and I was advised that I would get my statement in the mail which I haven't. However, Capital One does manage to consistently send me notifications that my bill is due through email with links to pay which do not worked because they have me locked out of my account. For the Mastercard account I do receive an email the day before the due date of the account which has a direct payment link, so I have been able to keep the payments up to date for that particular account. Capital One is, however, not sending me the same option to pay for the Visa account. They've also stated that they are sending me a paper statement which is untrue, they are sending statements to my email address. ( please see attachment ) This account has now become grossly past due and is reflecting badly on my credit report. I've contacted the XXXX XXXX XXXX   and Capital One sent a response that I was able to pay by phone. When I called today, XX/XX/20, at XXXX, I was refused service through the automated system by their representative. I've advised them that for identity protection purposes I will also not be providing my bank account information to a person. At this point I don't even want their cards anymore, I just want to be allowed the opportunity to have my credit report corrected and access to make payment online or by phone through the automated system, or, if they truly believe it as a fraudulent account, have them cease reporting it to the credit bureaus as an account that I am responsible for as it has caused a sharp decline in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I went to a trade show in XXXX in XXXX of XXXX and found a great deal on a bed my wife and I wanted to buy. The company was Mattress Firm. I was told that it would be shipped to my house in 14 days. They said I would be receiving free sheets, pillows, and pillow cases for my purchase. They also said I could cancel any time. So, my wife and I really wanted this bed, so we sign up to buy it. 30 days goes by and nothing. Then I get a phone call stating that my mattress was going to be delivered. They said it took so long because I was in a rule part of California. ( XXXX ). I told them that I wanted to cancel the order. They said, " OK. '' The next day, the mattress company calls me and says that they are going to deliver the mattress. I told them that I cancelled the order the day before and I did not want them to deliver the mattress. They said again, " OK. '' Then I started to get billed from Syncb/XXXX  ( Synchrony Bank ),  not for the mattress, but for the linens. I did not receive anything. So, my next step was to call Synchrony Bank and get this fixed. I called them and told them what happened. They agreed that I should not have to pay the {$540.00} dollars that was getting billed to me. So, they cancelled the charge and closed my account with Synchrony Bank. 

Low and behold, I see my credit score and start freaking out. XXXX says that my credit score is XXXX. I check to see why because if you look at everything on my report, I am an outstanding citizen when it comes to paying my bills. The report says I have 8 on time payments and 2 missed payments from Syncb/XXXX  ( Synchrony Bank ). I did not make any payments to Synchrony Bank, let alone 8 to go along with 2 missed payments. I want these flagellant accusations abolished from my report so that I can by a home for my family. I am going to take all the steps possible to do so. Thank you for your time.

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 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase unrestricted my personal bank account after I received a small EIDL loan as XXXX XXXX. Which SBA gave based on the loan application. Need to get the account unrestricted to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
On XX/XX/XXXX, I tried to pay a bill online of {$4300.00}. Apparently, the payment did not go through, so when the paper bill came in the mail, I paid for it with a check - {$4300.00}. That check was written on XX/XX/XXXX, and cleared my checking account on XX/XX/XXXX. Then, on XX/XX/XXXX, the bank applied my online payment, 11 days AFTER my check cleared and the bill was paid, and 28 days after I tried to pay it on line, and removed {$4300.00} from my checking account, creating a massive overdraft. I called customer service, spoke with a lady whose name I don't know, told her of my problem, and she said, " So now you have a credit of '' of some figure close to {$4000.00}, but I don't remember how much. I told her I wanted the bank to reverse the charges on my card and immediately return the funds to my bank. She said they couldn't do that, upon which I said, why not? Banks and businesses do that all the time. She said that they could send me a check, but that it would take 2 weeks. I was not happy. That's two weeks of the bank keeping my money for their use, and not mine, not to mention the fact that that's a flagrant misuse of my credit card information.

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