vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-17 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: Tower Loan of Mississippi, Inc.
State: GA

Complaint narrative:
I had an installment loan with Tower loans the original term was 15 months I paid the account in full on or around the XXXX XXXX XXXX 2017 and was told the account was paid in full and closed. On reviewing my credit reports through XXXX the XX/XX/XXXX the account was still reporting as open. I filed a dispute with XXXX and XXXX XXXX through XXXX XXXX who said that they investigated it and there was no change. I submitted a second time and on XX/XX/XXXX Tower Loans updated and said I have a balance of {$1400.00}. I called a local branch of Tower Loans spoke to the manager who told me that their corporate office submits the credit information and it may take them 90 days to do it. I asked for the number for the corporate office and he hung up on 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 2017-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: IL

Complaint narrative:
Keep getting interest rate increases without any late payments or any notice.    XXXX   XXXX    XXXX    XXXX    XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Debt collection — Payday loan 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: CHECK INTO CASH INC.
State: AZ

Complaint narrative:
I received a phone call from a company named XXXX XXXX. When I answered the call there was a man asking to speak with my wife. I explained that I was her husband and asked how I could help him as my wife was not home. He told me that there was a check written in 2012 to check into cash for the amount of {$500.00} plus dollars and they where trying to collect. He said we had to pay this money or they would be filing charges on my wife for defrauding a financial institution. I explained that I do n't recall this debt however I do recall having a debt for {$300.00} to check into cash however I have never received any notice about this debt. I asked him to send me proof of this debt and he said no we have been sending letters for the last few years to a prior address. He then said the do n't have to send anything as they have made several attempts to contact. I then told him we do n't have the funds. He said he was transfing me to a supervisor. The supervisor said he would give us two weeks to pay and asked for my credit card info. I gave him the info and he said I would be receiving a XXXX via email and had to sign it and ended the call. I received the XXXX  and signed it. However after the fact I noticed that the email at the top was to a personal XXXX address and became suspicious that this was a scam. I called check into cash and they said our debt was with a collection institution and the amount was for {$300.00} plus dollars. I then called my local law enforcement. They told me to put a stop payment on my card and if they did take any money then they could go after them. So I did. On the day they where to charge. I received a call again from XXXX XXXX they said they tried to collect the payment but where unsuccessful and asked me why. I told them what I had done and the man who never gave me any name said ok we are going to make sure your wife goes to prison and that I was being an XXXX XXXX and hung up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I bought this car in   XX/XX/XXXX   at  XXXX  at  XXXX  of   XXXX   XXXX  , it was financed by  Santander consumer. I still owe this same amount on this car as when I first bought it. I have contacted Santander several o f times about this, and they always give me different reasons why I still owe this amount. I have contacted better business bureau in or on   XX/XX/XXXX  the y have n't been able to help me, I have n't received any result about me paying on this car for 2 years, and I owe the same amount as I purchased it for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: ME

Complaint narrative:
Received the attached letter in regards to    XXXX   XXXX   . The amount in question is from an account I am unfamiliar with. Also, the amount allegedly owed is an amount that will not equate to any billing amount I ever received. Also, this letter is insinuating I allegedly had  XXXX  separate  XXXX   XXXX  accounts, which I beg to differ.

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 2017-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On Saturday XX/XX/XXXX  , I w ent to a  Citibank bra nch located at :   XXXX   XXXX   XXXX  ,  XXXX   XXXX , NY  XXXX .  <P/> I asked the personal banker there, to open an account based on the {$300.00} promotion advertised b y Citibank.   <P/> She said that she can assist me with this. Then she asked if I had been a previous customer wi th Citibank. I re sponded that I had been a prior customer and that I had closed my accounts wit h Citibank as of  XX/XX/XXXX .    I was told by the personal banker that the rule for eligibility for the promotion is that I should not have bee n a Citibank customer in the last 24-months.   <P/> I brought to her attention that the disclosure print in the promotion states that to be eligible for this offer, the customer must not be OR have been an owner of a citibank account in the la  st 60-days.
<P/>
The personal banker, told me that based on Citibank 's own rules, the rule is 24-months and that I would not qualify for the promotion. However she did offer to open an account for me, but without honoring citibank 's own advertised promotion.
<P/>
I then proceeded to speak with the branch manager on duty then. She explained that Citibank has its own internal policy which explains to not honor cash bonus promotions unless the customer did not have an account in the last 24-months. She did not care to read the disclosure to the current offer that I had asked for, but she was willing to show me prior offers that had disclosures of the 24-month limitation. I refused her explanation as those offers were already expired or were different from the current offer I had asked them about. She also could not provide any written explanations on why the {$300.00} offer could not be honored. Additionally, she kept pointing to an internal citibank rule ( she could not show it to me ) to not honor cash offers unless there was 24-months since the customer closed the previous account.
<P/>
I re-read the fine print and the whole disclosure, and I still did not see any hint or anything related to the 24-month limitation.
<P/>
What made me file this complain was the excellent work that consumerfinance.gov did in here.
<P/>
https : //www.consumerfinance.gov/about-us/blog/citibank-to-refund-700-million-to-credit-card-customers-for-unfair-and-deceptive-practices/ I am attaching a copy of the offer to support my complain.
<P/>
Thanks.

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 2017-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I was notified by Wells Fargo text alert of suspicious charges which I replied by texting XXXX the response text back was that someone from the bank would contact me I went to my mobile online banking which there was 3 pending transactions in the amt of {$19.00}, {$45.00} & {$3.00} which left showing a balance of {$30.00} and change, I previously viewed my balance that morning XX/XX/XXXX which {$97.00} was available.I missed the call becaus I immediately contact the bank when I tried to answer my other line there was no one available so I spoke with a representative in thr customer services call center who advise me the transactions was real and that I was notified by Wells Fargo text because a {$40.00} XXXX transactions was trying to post which did not so thats why I was beginning notified she advised me that she was stopping my card ending in XXXX and requesting a new card I informed her that I just got the card because of a previous message where I was notified about this before I received the new card the representative advised me this was more common nowadays she confirmed that I only had {$30.00} in my cheking account she advised that we would do a fraud claim which was filed on XX/XX/XXXX got the claim number and transfered the call over to the fraud dept which was not open on Sunday. I went to the bank on XX/XX/XXXX for a temporary card. Now XX/XX/XXXX the call center customer services are saying that the claim was filed for {$19.00} and I had over 200 in my checking account on monday XX/XX/XXXX because they did not post over the weekend. My transactions reflected on Monday XX/XX/XXXX night under {$10.00} on my online mobile banking because of my transactions using the temporary card, the Wells Fargo supervisor is now telling me today XX/XX/XXXX that there was no claim for the {$45.00} & {$3.00} which fell off my account but I was given a provisional credit for {$19.00} which funds accounted because I went online after a deposit of {$170.00} posted on XX/XX/XXXX which I paid {$63.00} for a bill and the following morning XX/XX/XXXX I checked my account I had a available balance of {$120.00} which the {$19.00} provisional credit was posted. They are saying the funds has never posted to my account because they were in a pending transactions but online banking showed that those funds was not available in my balance.

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 2017-06-17 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo Bank is not providing info to XXXX XXXX my bank info like they are requesting.

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 2017-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: MO

Complaint narrative:
I have twelve different loans with  Sallie Mae . I had called two days ago,   XXXX    , to try to consolidate my loans and they told me they were unable to consolidate any of them. They then tried to convince me to be a part of their  Graduate Repayment Program  which allows me to make interest-only payments for the first year. While this seemed like a reasonable alternative, I was then told that the interest-only payments would increase the second year and add up to {$500.00} on each of my existing loans. I have over {$100000.00} in loans which they are expecting me to pay back within 10 years. Some of my loans are up to 10 % interest. My monthly payment would be about {$2000.00}. I do n't know of a single person that can afford to pay that much money per month. This amount is more than my house payment. At this point I feel my only other option is to default on my loans because  Sallie Mae  is unwilling to work with me to come up with a reasonable repayment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2017  I am not sure how this happened, I believe that I had made my payments to you when I received my statements.   XXXX  My insurance company was supposed to pay this because I was in an accident and it should have been on legal hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
I am debating account number  XXXX  withCommonwealth Financial Systems by reason of I have sent many dispute letters to the credit bureaus and it comes back verified every single time. They are declaring that I owe {$59.00} to  XXXX   XXXX   XXXX   XXXX  on my credit report.   XXXX  I have contacte d Commonwealth Financial System s to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C.
State: IL

Complaint narrative:
Trident Asset Managenent LLC  from  XXXX  Georgia is erroneously reporting negative information on my credit. They are a third party collections company and report every 5 days in attempts to collect on a debt that is not even mine. My identity was stolen and I have forwarded the report to the bureaus. Trident refuses to remove the item. I have also received notices that they sold the debt as well. They are in violation of the FCRA and I am seeking damages of {$1000.00} for each time they have reported to my credit file intentionally and maliciously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have an XXXX XXXX account and Chase bank will not update my current balance in my account ... Which leads to it still saying I can not cash out because my balance is too low, which is incorrect now since I just got paid, it 's just chase has n't updated that yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
As it pertains to the  XXXX  's account on my profile, it contains many inaccuracy that TransUnion has not made a fair attempt to correct.  <P/> I have requested both verification and validation information to be forwarded to me and TransUnion has failed to provide this information.  <P/> Furthermore the CRA has violated several federal laws in regards to debt reporting acts in regards to this account on my profile.  <P/> Included you will find several correspondences in regards to this account and how the CRA has responded.  <P/>   One major fact to consider is 15 U.S.C. 1681s-2 and FCRA 623 ( a ) ( 3 ).
<P/>
If this creditor does not deleted from my profile, I will proceed to a small claims action against TransUnion 's reporting practices.

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 2017-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On  XXXX   XXXX , I opened  a Wells Fargo check ing account through a link on their website, which said I would receive {$250.00} for opening a new account with them and meeting the  10 debit c ard requirements. After 45 days, I should have received those requirements. I opened the account, fulfilled the requirements on  XXXX   XXXX ,  2017 , but never received the bonus after the 45 days. They said they were going to look into it and send me mail. I never got the mail and sent them a secured messaged and they said I did n't meet the requirements. That was n't true because I had more than  10 de bit transactions, then they said " It was because I was n't targeted, which it did n't say anything about being targeted on the advertisement and I have an email telling me how to get the bonus.

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 2017-06-17 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Hi my name is  XXXX   XXXX   XXXX  and I live at    XXXX   XXXX   XXXX   XXXX   XXXX   Del  XXXX  and I work at  XXXX  and my phone number is  XXXX . Everything else that is reporting on my credit reports are inaccurate/incorrect.

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 2017-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I us really a service called  XXXX , and consistently every Friday I get paid and need to manage my deposits and cash  out Wells Fargo does n ot send updated information so that I can complete my transactions. The most recent date being  XXXX / XXXX / 17 , but can be traced back basically every other Friday going back a t least 8-10  weeks. I provided the  XXXX  service access to my account, but the bank consistently does not update 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 explanation
Consumer complaint received 2017-06-17 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: DE

Complaint narrative:
Hi my name is  XXXX   XXXX   XXXX  and I live at  XXXX   XXXX   XXXX   XXXX   XXXX  Del  XXXX  and I work at  XXXX  and my phone number is  XXXX . Everything else that is reporting on my credit reports are inaccurate/incorrect.

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 2017-06-17 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Hi my name is  XXXX   XXXX   XXXX  and I live at  XXXX   XXXX   XXXX   XXXX   XXXX  Del  XXXX  and I work at  XXXX  and my phone number is  XXXX . Everything else that is reporting on my credit reports are inaccurate/incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My refinance was closed on  XXXX   XXXX ,    2017 and CitiMortgage got the ir money back that day. It is now  XXXX   XXXX ,  2017  and I still have not received my escrow impound balance, yet I have received th e Lien of Release. Sure, CitiMortgage wastes n o time to release themselves, but drag their feet in giving back my money! Banks always take their own sweet time in giving out money so as to keep as much money as possible in their own accounts to further their own interests. This is unacceptable! If they can get this  Lien of Release to me, they should also have attached my mone y to the same letter! Furthermore, the telephone number they provided,  XXXX , is some sort of scam as I called as got nothing but recordings to press  XXXX  to get deals on  XXXX ,  XXXX  and other non-CitiMortgage offers. What garbage is this?? I could n't get a hold of anyone to inquire where my refund check is!

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 2017-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ARS National Services, Inc.
State: KS

Complaint narrative:
ARS National Services , Inc.  keeps contacting me even though I have asked them not to do so by writing them and including this statement : " I also hope to save both of us a great deal of time, energy and expense by letting you know that I have no attachable income ; essentially I have no money and can prove it. In accordance with the Fair Debt Collection Practices Act,  15 USC 1692c, 805 (  c ) : ( c ) CEASING COMMUNICATION. " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt ... '' They still persist. Latest contact from them was dated   XXXX   XXXX   XXXX    .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Company does not have authority and contract is void.

Company response to consumer: Closed with explanation