vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
citizens bank stole my direct deposit social security check in the amount of {$XXXX} although last month on XXXX XXXX, XXXX, I asked the window teller how much I needed in the account so I can get my check until they switch it and I did so. They never told me until it was too late and the back spitefully and maliciously stole my means of sustaining life, i.e. paying bills!!! 
Once before, when I said I was a XXXX XXXX XXXX XXXX, the bank shut down my ability to see what was going on in my account because of my reporting identity theft!?!?!?! Then after XXXX XXXX XXXX XXXX days of not seeing where/what or balance available, I went to the branch and practically had to apologize for the facat that they were not following the law and showing me my ACCOUNTS. 
I need my {XXXX} and this is happening to everyone I know?????? 
I can not live while a bank lies, deceives and transfers an obvious thief just like the XXXX did with the XXXX who XXXX XXXX XXXX!!!!! Transfer them to another XXXX to do to more children and transfer XXXX, the bank senior rep who started this whole thing by telling me that, " ... it costs too much money to transfer money to pay down your XXXX so I 'm closing that account and opening another ... '' Turns out, it costs NOTHING and I never saw on my end to this date the XXXX NOR THE ACCOUNT WHICH XXXX XXXX from XXXX of the Chairman refers to in the XXXX XXXX letter which I have attempted to contact her over XXXX ( XXXX ) times to NO AVAIL AND I want my money with the same XXXX % interest the bank charges people. 
Apparently, Citizen 's Bank thinks I will get tired of typing but I am NOT THE AVERAGE CITIZEN AND LAST I READ ( although most in society do not have integrity, honor, dignity, and pride ) I did nothing wrong and am a productive member of society working my way through XXXX, achieving my XXXX XXXX XXXX with a XXXX XXXX and paying bills on time so I MUST GET MY MONEY BACK!!! How dare a bank make billions of dollars counting on people not having the ability to fight for what is theirs and I hapopen to be the one who will go to every news channel if this is not in a timely manner required by LAWS THAT NOONE KNOWS BANKS DO NOT FOLLOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XX/XX/XXXX) XX/XX/XXXX, ( XX/XX/XXXX ) Reporting 30 days late ( Account Never Late )

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 2017-10-19 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: ERC
State: FL

Complaint narrative:
I just pulled my credit report XX/XX/XXXX when I noticed a derogatory mark opened on XX/XX/XXXX. I was XXXX at this time and was just released from XXXX on XX/XX/XXXX. I have no knowledge of this collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am a XXXX XXXX Banking XXXX, with XXXX active credit cards from them. I have never been late with any of my cards ( chase or non-chase ), and have paid all of my cards in full every month. Also, the amount of money I have in my Chase bank account is a lot more than the credit limit they have extended to me so far. On XXXX XXXX, XXXX, after looking into my online banking account, I noticed that all my credit cards have XXXX available credit limit and are noted as closed. While really panicking, I called chase card services and all they are telling me is that the cards were closed due to bank 's policy with no further explanations or notes on the account. They are not telling me any details, other than that a letter will be sent out to me within XXXX to XXXX business days. The action they have taken is going to destroy my credit history since my XXXX cards are the oldest credit cards I have ever had, and most of the credit cards I have are with XXXX, and I put almost all my spends on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: NC

Complaint narrative:
ON XXXX I DISPUTED A ACCOUNT ON MY EQUIFAX CREDIT FILE THAT I DID'NT AUTHORIZED OR GIVE NO ONE MY CONSENT TO OPEN NO ACCOUNT WITH XXXX XXXX I XXXX XXXX NEVER XXXX A LOAN AGREEMENT WITH XXXX XXXX. I WILL BE UPLOADING THE SAME DOCUMENTS THAT I UPLOADED TO EQUIFAX AND XXXX XXXX XXXX WAS REMOVED FROM MY XXXX CREDIT FILE ON XXXX. I WAS A VICTIM OF IDENTITY THEFT ON XXXX THRU XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a notice stating that my Income-Based Repayment ( IBR ) plan was approved for {$300.00}. This is over a {$50.00} increase from last year. The year before ( 2016 ),  my payments increased by about {$100.00}. I am making a complaint because last year a XXXX representative told me that my IBR was calculated using my gross income instead of my adjusted gross income. When I called today, the representative ( XXXX ) gave me a formula that was used to calculate my IBR payment. I asked him to e-mail the formula to me ( I wanted to do the calculation myself and could n't remember all parts of the formula ) but instead he e-mailed me information about PSLF. I think XXXX is miscalculating IBR payments, and I do n't think they 're being consistent in providing information on how IBR payments are being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account on my credit report that they have made absolutely no attempt to validate the debt before placing on my credit. I have never heard from them and when I went to apply for a loan I learned that they were reporting an account that XXXX XXXX charged off 4 years ago. Not only did they not validate the debt before reporting it they are now re-aging the debt. They show the account opened in XX/XX/XXXX when it charged off at the end of XX/XX/XXXX. I complained to XXXX XXXX about a charge and they did n't respond and it led to a charge off. The account is also duplicated. XXXX XXXX is also reporting the account. That means there are 3 violations due to a single trade line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act XX/XX/XXXX, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorised representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act XX/XX/XXXX and what actions s/he has taken in relation to this account. NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
OnXX/XX/XXXX, I wrote a letter to XXXX XXXX requesting they review my request for goodwill deletions for the 2 months that show 30 days past due on my credit. I was impacted by Hurricane Irma ( two large trees fell into the middle of my home and I was injured ) and am in need of securing a new place to live. Since those marks are older and I have not gone 30 says delinquent since then, I requested the delections. Unfortunately, I have a XXXX XXXX  and can not talk by phone so I contacted Ally using the address they provide on their website. In response, I received a letter dated XX/XX/XXXX acknowledging receipt of my letter but it said if I do not call them by XX/XX/XXXX,,  they will not respond to my request and will withdraw my inquiry. That poses an issue for me medically.

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 2017-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was subscribed to the Equifax XXXX XXXX plan credit monitoring service. I chose to cancel this membership due to the fact that my personal information was compromised during a security breach at Equifax. I feel that I should not pay for a service that is suppose to protect me from these type of events, if the company providing the service can not protect my information. So I chose to cancel. My credit card was billed on XXXX/XXXX/XXXX and I cancelled my service on XXXX/XXXX/XXXX. Equifax refuses to refund my payment which was for a full month of service, even though It was only used for 1 day. That is not ethical for a company to charge you for services they never provided. That is basically stealing. Equifax has refused to return my money, and have no valid reason why they can not refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates is reporting a collection account on my credit report that they have made absolutely no attempt to validate the debt before placing on my credit. I have never heard from them and when I went to apply for a loan I learned that they were reporting an account that XXXX XXXX charged off 4 years ago. Not only did they not validate the debt before reporting it they are now re-aging the debt. They show the account opened in XX/XX/XXXX when it charged off at the end of XX/XX/XXXX. I complained to XXXX XXXX  about a charge and they did n't respond and it led to a charge off. The account is also duplicated. XXXX XXXX is also reporting the account. That means there are 3 violations due to a single trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: CA

Complaint narrative:
On XX/XX/XXXX I paid for ONE night at the XXXX XXXX in XXXX, XXXX. They charged {$170.00} and put a hold for {$540.00}. I demanded the hotel to take such an unreasonable hold off my account and the hotel repeatedly refused to do so. I called Bank of America the same day and the telephone representative who opened my claim # XXXX agreed that a {$540.00} hold for one night was crazy. The next Monday was a holiday so I waited until Tuesday XX/XX/XXXX to get a temp. reimbursement while the claim is pending. The claim is still pending yet Bank of America reversed the funds as of XX/XX/XXXX without noticing me. What is wrong with these people? What could the hotel possibly say to justify " holding '' {$540.00} for a guest who stayed a night and left without spending anything other that her overnight stay? What could possibly be the reason for BOA to reverse the funds in just two days without resolving the claim. I 'm sick of the bank 's abusive practices. I 've had enough. I respectfully request not just the reverse of the funds but a compensation for what they do. How many people do they do this to? 
Thank you for your attention Sincerely, XXXX XXXX XXXX XXXXXXXX ( 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 monetary relief
Consumer complaint received 2017-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: CT

Complaint narrative:
Had to dispute a charge on my bank account for Key Bank and they said they sent me XXXX letter for the dispute. I never received it so now they overdrafted my account and put me in the red. Now they wont reverse the charge which they screwed up. I moved and the letter never arrived so I would like this reversed and an apology from the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Please refer to my earlier complaints about Citibank. It seems there is no way this bank can improve and do something better. 

The latest issue - the customer service folks are not even aware of the correct XXXX XXXX #. I called them via phone during XXXX XXXX XXXX to XXXX XXXX XXXX. As I was not having the online access or my check book - I simply asked them about my account # and the XXXX routing # to setup a direct deposit. 

The gentlemen on the phone told me that XXXX routing # is : XXXX though he provided me the right account #. 

I setup in my employer 's portal for the direct deposit. For the pay on XXXX XXXX XXXX - i realized the direct deposit is not happening and then reached out to their customer service again. Only to realize that the routing # is wrong. He told me that if the routing # and the account # is not matching - then money will be refunded. My employer might charge me penalty for this. And I have no idea what happened to my {$100.00} direct deposit which went into somebody 's else 's account. 

This is so careless mistake by the customer service. 
XXXX has a usual habit or pattern of making simple things complex. Moreover XXXX has grown so big and expanded into so many geographies that they ca n't manage very simple stuff also. It 's just too difficult to deal with this bank.

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 2017-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion I have file dispute after dispute on wrong Employment information wrong company names phone numbers that are not mine.
XXXX XXXX : Past Employee XXXX XXXX XXXX : Past Employee XXXX XXXX XXXX : Past Employee XXXX XXXX XXXX Present Employee : As XXXX XXXX XXXX XXXX : Present Employee : As XXXX XXXX XXXX XXXX Present Employer : XXXX XXXX There is no XXXX XXXX plus there is no XXXX XXXX XXXX There is no XXXX XXXX XXXX XXXX this are not even the right names of the companies if the Bureau was confirming this names they would no there not right there is no XXXX XXXX as stated. XXXX is all XXXX  which they have several there not no XXXX  company.
I have phone numbers that are not mine all listed XXXX XXXX Current XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no such address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX  no such address nor have I ever live there.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX wrong this is a condo not an apartment Transunion updates wrong information list wrong occupation and I want proof from them to these companies that I listed current and present wrong

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 2017-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: KY

Complaint narrative:
Hello. We were unaware that there was a debt with Cbe group as we never received a bill. Now it has shown up on the report. We have since made a payment on the account to avoid collections, but I am not even sure we really owe this bill as we cancelled services with them last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
Please See Police Report Attached the person was CAUGHT AND CONVICTED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Please See Police Report Attached the person was CAUGHT AND CONVICTED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: BMW Financial Services NA, LLC
State: IL

Complaint narrative:
Please See Police Report Attached the person was CAUGHT AND CONVICTED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have a Bank of America small business checking account that is linked to XXXX. Periodically they update their security or something else, rendering my account impossible to access through XXXX. When I call I am told that it is a XXXX issue,. I call XXXX and they say that it is a Bof A issue. Last Saturday I spent 4 hours on the phone, but nobody could help. Today, the only day that I had time to call, I spent another 2 hours trying to resolve the issue, but I was told that I was having this problem because of a security update and I was not alone. However, they could n't help me and someone would call me in a couple of business days. Meanwhile, my entire business banking and financial abilities are paralyzed. If they are having this problem, they need to have staff available to help! also, their website says that they are open until XXXX XXXX, but when I called at XXXX they were closed.

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 2017-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX, XXXX. XXXX XXXX ( Research Remediation Analyst from the Executive Office ) in his letter said as I quote : On XXXX XXXX, XXXX, a charge of {$8800.00} was made with special financing terms of 18 months, No Interest if Paid in Full, regular Monthly Payment required during the special term period. YOUR MINIMUN PAYMENT AMOUNT WAS SET UP BASE OFF THE AMOUNT OF THE TOTAL PURCHASE AND LENGTH OF YOU PROMOTION. Letter attached ( Attachment 1 ) I did the payment exactly according with this indication I pay {$300.00} for 29 months because Wells Fargo Financial XXXX XXXX made a mistake on the length of the promotion, the other way the minimal payment will be {$490.00} and in that case I will not accept This Especial Home Project offer because I was not able to pay {$490.00} per month. 

XXXX, XXXX. XXXX XXXX ( Research Remediation Analyst from the Executive Office ) in her letter said as I quote : your purchase was made with Regular Montly Payments term rather than equal Montly Payments. Regular payment terms typically provide the customer great flexibility by requiring a lower minimum payment each month. However, you can make larger payment to pay off the balance by the special terms expiration date. ( attachment 2 ) Two letters from Wells Fargo Financial XXXXXXXX XXXX from the same office ( Research & Remediation Analyst Executive Office ) with different version. 
XXXX, XXXX. XXXX XXXX in her letter said as I quote : on XXXX XXXX, XXXX, the account balance of {$6000.00} was charge off. What is to charge off? In my original complain indicate that in XXXX XXXX, XXXX, I was willing to pay all my balance and Wells Fargo Financial XXXX XXXX with XXXX XXXX a Research & Remediation Analyst from the Executive Office DID NOT ACEPT MY OFFER ( Attachment 3 ). 
This case makes no sense if one officer said one thing and the other something totally different. XXXX XXXX, XXXX. I made the last payment. XXXX X 29 months= {$8900.00} and I pay in full. 

I am XXXX years old lady and this company is taking advantage of that. 

I trust 100 % every thing that they told me. My monthly payment never increase, the financial was 0 % until I finished. From XXXX to XXXX XXXX never increase, I pay online and I do not need to print the statement every month, to pay on line is to save paper.

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