vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
This is related to claim # XXXX that I submitted against XXXX XXXX. 

I posted a bed on XXXX to sell for {$700.00}. This person contacted me via a XXXX  email account and provided a cell phone number to contact them with : XXXX. The deal was that he was going to mail me a check, and I would cash the check. Once the check cleared, he would set up movers to come pick up the bed. He told me that I had to pay the movers for him, so the check he would be sending was for more money then how much the bed costed. I assumed that meant I would pay them in cash. He said he could not come see the bed in person because " he was at distance '' ( he spoke in broken english ). The check was sent using the USPS, tracking # XXXX. Sent from XXXX XXXX, at XXXX XXXX XXXX, XXXX, PA XXXX. It arrived on Monday XX/XX/XXXX. It was a cashiers check from the XXXX XXXX XXXX for {$2200.00}, and appeared to be real. I deposited it using my XXXX Mobile app, by taking a picture. XXXX then emailed me that night saying " my deposit had been accepted ''. The funds were made available immediately in my account, so obviously i assumed that meant it had cashed. Then, the person told me that to pay the movers, I had to wire the money to them using XXXX. He told me to wire {$1400.00} to XXXX. My bank, XXXX, uses XXXX for XXXX XXXX XXXX, so I trusted the service and used it. I wired the money and he told me that the movers would come pick up the bed that night. When the money did not arrive right away, he also told me to try wiring it to " XXXX XXXX '', at XXXX. The movers never came, the person stopped responding to me, and then XXXX put a " hold '' on my account for {$2200.00}. It turned out the check was a fraud, but it was too late, I had already wired {$1400.00} to that email address. When I reached out to XXXX to file a claim for fraud they told me there was nothing they could do because I was the one who deposited a fake check and I was the one who wired the money. It was the perfect scam. XXXX has zero consumer protections in place and doesn't even help you if you used it through your bank, they just refer you to your bank customer service. This article confirms that what happened to me has happened to countless others : XXXX XXXX XXXX XXXX/ Summary of evidence : 1. Phone Number : XXXX 2. Names : XXXX XXXX and XXXX XXXX 3. Emails : XXXX, XXXX 4. USPS Tracking # : XXXX 5. Bank : XXXX XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have a Citi Bank credit card that I have used for many years that i currently have a balance of around {$6000.00}. Recently I noticed something didn't seem right with my statement. For the last 10-12 months I have been making double the normal payment ( {$200.00} a month payment ) to try and pay down more principle. To my shock I recently realized my principle over that last year of payments has not gone down at all. At that point I called Citi and the customer service representative told me that I was being charged {$68.00} a month for the " Account Care '' program. I NEVER signed up for this " Account Care '' program and when I asked the customer service rep " how long have i been being charged this fee '' I was told " They can't tell me because ONLY " Account Care '' help desk can give me that information.

I was frustrated with the lack of transparency and honesty from the Citi customer service desk so I filed a complaint with the XXXX who contacted Citi. As a result the ONLY thing Citi did was to INCREASE the amount of collection calls I receive for the outstanding monthly payment. I informed the collection caller that I was not going to make another payment until someone addressed the current fee issue and informed me as to HOW LONG THIS FEE HAS BEEN CHARGED WITHOUT MY KNOWLEDGE. Apparently NOBODY at Citi has this information, they ONLY know how much I owe them.

Here is the best part. Earlier this week I finally got a call from " Account Care '' and I was told the following : They ( Account Care ) CAN NOT address my billing issue. That has to be done by CITI.

They CAN NOT stop the collection calls.

They CAN NOT address how my credit is being affected.

They CAN NOT show me where I " agreed '' to join this program.

They DID inform me that this " Account Care '' fee has been being deducted from my monthly payment since 2009. For almost 10 YEARS now I have been being charged this fee without my knowledge. That is THOUSANDS of dollars over that time.

Please help me! I don ; t know what else to do. I make my payments monthly, on time and I have been an honest customer. How can I get some relief from a dishonest XXXX Dollar company charging me fees I never agreed to pay? NOBODY SEEMS TO CARE ABOUT A GUY JUST TRYING TO SUPPORT HIS FAMILY. Should I consult an attorney?

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 2018-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC Bank has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have repeatedly sent request to TransUnion, XXXX and XXXX that the Bankruptcy court does not report to credit bureau 's and that I would like to have it removed from my credit report. I received letters from them stating that they receive information directly from the courts, but upon receiving the information that they send to me, they get information from XXXX a credit reporting agency. I contacted XXXX in regards to this and they have deleted the bankruptcy from my file. I'm providing letter from XXXX to have the bureau 's remove this from my report/file.

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 2018-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I disputed an alleged medical debt with XXXX XXXX XXXX XXXX , XXXX. I was never notified about this debt and they reported this to credit bureaus without properly validating the debt. On XX/XX/XXXX, the company responded saying they would remove the debt from all credit reports due to it's highly disputed nature. As of XX/XX/XXXX, this debt has not been remove from any of the credit reporting agencies and this is still damaging my credit worthiness. I am moving forward with submitting a complaint to my state 's attorney general office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Honda Financial Services dba AHFC absconded my vehicle on XX/XX/XXXX and XXXX   were informed. This was a holiday weekend so on Tuesday, XX/XX/XXXX I contact AHFC @ XXXX spoke with their representative and I stated : " this was my first time ever so what did I need to do to get my vehicle back? '' Their employee stated : " I would have to make a payment for the remainder of the loan, including repossession cost and for the title of the vehicle in the amount of {$25000.00}. '' This is on a recorded conversation. There was no deadline date mentioned. I agreed and accepted those terms and sent them a " tender of payment '' in the amount that was asked for. {$25000.00}. Called to verify if payment was received several times. They had transferred my vehicle outside of New York State, sent off to another location somewhere in Pennsylvania, claim no payment was received or posted and I had missed the " deadline date. '' Yet, HONDA still asked for payment in full. I resent the payment and verified by tracking numbers : XXXX, XXXX, XXXX and XXXX, verified " DELIVERED '' at both business locations in XXXX, Delaware and in XXXX, California where the Chief Financial Officer is located, including payment sent to the IRS. Payable to the order of : UNITED STATES TREASURY. HONDA has not honored the agreement and I still don't have my vehicle. The terms for the lease agreement changed when they accepted the " tender of payment '' made within a 16-month period and chose to close the account 25 months earlier than agreed upon as stated on my credit report. The " Right to Cure '' never took place. HONDA proceeded to repossess my vehicle, for the terms of the lease agreement had ended but, a new contract made by HONDA. The new contract was made for the remainder of the balance of the loan, the repossession cost and title in the amount of {$25000.00} and they received it. The full payment for the title as they requested on XX/XX/XXXX was met. Payment was sent in a timely fashion and HONDA has dishonored the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
HONDA FINANCIAL SERVICES XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX Secured loan XX/XX/XXXX Made a payment of {$400.00}, more than due. Had not received a booklet for payment and did not want to be late. Sent it to their office as per my paper work. 
XX/XX/XXXX Made another payment of {$400.00}. 
XX/XX/XXXX Got a late payment notice, called and spoke to XXXX who said I paid too soon and the payment did not calculate into the billing cycle. I asked if I can have the date due changed to fit my schedule of paying bills. She told me that I have a grace period and that late fees are stipulated after 30 days. 
Therefore, over paid each month, paying my bills on the XXXX of the month. 
XX/XX/XXXX Called a XXXX at at XXXX Called Honda Financial Services to make a final bill but my totals were different than theirs. Asked for a spread sheet or accounting of each interest charge, receivables, and charges to verify with mine. Could not help me but sent a running total that was not clear. 
XX/XX/XXXX Received a " Running Account '' that was not clear and easy to read. 
XX/XX/XXXX I called again and was told by XXXX that I had many late fees and that they will not send me a sheet or accounting. Asked to speak to manager, was told he was not available and I would be sent to his voice mail to leave a message. Asked her, to give him the message and transfer me. 
XX/XX/XXXX Called back and spoke to XXXX, she said she would take the message and also transfer me to voice mail of. Left him a voice mail with all my information and phone number with a XXXX XXXX, manager. 
XX/XX/XXXX Honda Financial Services never phoned me back Dispute : I received NO statement or billing stating that I had any late fees. I made regular over payments, never late as per XXXX to finish off loan sooner than the 5 year plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have repeatedly sent request to XXXX, Experian and XXXX that the Bankruptcy court does not report to credit bureaus and that I would like to have it removed from my credit report. I received letters from them stating that they receive information directly from the courts, but upon receiving the information that they send to me, they get information from XXXX a credit-reporting agency. I contacted XXXX in regards to this and they have deleted the bankruptcy from my file. I am providing letter from XXXX to have the bureau 's remove this from my report/file.

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 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
WFDS XXXX XXXX XXXX, XXXX CA, XXXX  has an inquiry on my report dated XX/XX/2016. No authorization was given and none can be provided by the company ; please remove per law or pay the {$1000.00} fine.

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 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Hello, I am writing because I have an inquiry on my credit report from " XXXX XXXX XXXX XXXX '' that should never have been posted on my credit. I spoke with customer service representatives from both comenity bank and XXXX  XXXX credit card division and both gave me to run around and sent me back and fourth to each company. No one would help me. I explained that this card should never have been opened in the first place. After i checked my credit report and discovered the new inquiry, i immediately called the appropriate parties and had to account closed which included the credit card. 

Date inquiry was added : XX/XX/2017 Companies involved : XXXX XXXX & XXXX credit card department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc
State: CO

Complaint narrative:
The refuse to follow The social security act that states that i am not responsible for the debt as I had Medicaid at the time of the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX of this year, I checked my credit report via the online Experian credit reporting site. At that time, I was aware that I would be charged XXXX dollar for a on-line copy of my credit report. While checking my credit card statement, I found that I had a recurring charge of {$21.00} charged to my account on XX/XX/2018. I have attempted to contact Experian at the number provided ( XXXX ) multiple times, but after following voice prompts am left on hold without anyone ever picking up or answering. 

I never agreed to this service, nor did I request it. I am unable to contact anyone so I that can cancel the credit monitoring service. Experians business practices and default auto enrollment in their credit monitoring service is deceptive and unethical. I would like the charge for the credit monitoring refunded and the service terminated.

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 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have repeatedly sent request to XXXX, XXXX and Equifax that the Bankruptcy court does not report to credit bureaus and that I would like to have it removed from my credit report. I received letters from them stating that they receive information directly from the courts, but upon receiving the information that they send to me, they get information from XXXX a credit-reporting agency. I contacted XXXX in regards to this and they have deleted the bankruptcy from my file. I am providing letter from XXXX to have the bureau 's remove this from my report/file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
XXXX  continues to tell me that I owe. Several times I had told XXXX that account had been satisfied. I sent an email telling XXXX account was satisfied. I have forwarded XXXX a copy of receipt that account was satisfied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
To whom this may concern, my name is XXXX XXXX. My girlfriend, XXXX XXXX and I live in XXXX, NC. 
We have a Sale Date on our house on XX/XX/2018. 
We have asked for and received help from you in the past and regrettably we desperately need help again. Our mortgage servicer, Mr. Cooper, formally Nationstar, although changed their name, is still up to their old tricks. We were hoping when the name changed they might change the way they do business but they continue to be a wolf in sheeps clothing. 
Our last sale date was on XX/XX/2018 and thanks to your intervention, they postponed it, again. I emailed them yet another RMA package and after following up several times, of course they didnt receive it. I sent a hard copy via Registered Mail. Since they couldnt deny they received that one, they said it would be uploaded in to their system and a loss mitigation specialist would get back to me. I continued to follow-up every 3 or 4 days and after almost 3 weeks they stated it was in their system but now it was too late to get an Underwriter to process the RMA.> Are you kidding me? The same old b.s. and runaround thats been going on for a very long time now. I do everything that is asked from them but their incompetence and seemingly egregious behavior of not wanting to help us by means of a simple loan modification. I know Nationstar received bailout money during the collapse of the mortgage industry and is required by federal law to help people that need help as long as they have enough income to support their house payment, which we can. 
We have send and resent RMA packages time after time only to be horsed around by being told they didnt receive ; new account managers, incomplete applications, etc. ; the XXXX  never ends.

I know you folks cant force their hand but maybe if somehow our RMA could get out of the Loss Mitigation Dept. and into the hands of someone in the Corporate Office and finally facilitate a loan modification that we need so badly so we dont lose the home that we love. 
We would be devastated if we lost this place and would have nowhere to go if that happened. 
Please help us postpone the sale date of XX/XX/2018. PLEASE HELP!!! 
XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: Danco Financial Services, LLC
State: GA

Complaint narrative:
In 2015 the vehicle I was purhcasing from the company was stolen. It was around XX/XX/XXXX or XX/XX/XXXX. I filed a claim with my insurance company at the time. The company was XXXX XXXX. XXXX XXXX paid the company for the vehicle. I pulled my credit report and saw the company was listed on my credit with negative reporting. In the mean time from the time the claim was paid until now I have not received any bills from the company requesting payment due or balance due. I contacted the company to request a bill. The company said the account was transferred to a new lien holder company. I was given the number to the new company. I called the new company and I was told there was no record of me having a lease or loan from them. Since there is no account available to find I would really like this item removed from my credit. It has a negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Viking Client Services
State: OK

Complaint narrative:
They have contacted my employer multiple times daily while i am out working talking about my personal business and can cost me my job. This has been taking up the time of other reps that work for this company.

Company response to consumer: Closed with explanation