vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX, I successfully settled with XXXX XXXX ( XXXX XXXX XXXX on all written correspondence ) for {$580.00} on a balance owed of {$830.00} ; I was sent a letter from XXXX XXXX XXXX showing that I owed a {$0.00} balance and that the debt was paid for less than the full balance. However, on my most recent credit report, pulled XX/XX/XXXX, I have a past due amount with XXXX XXXX for the remaining {$240.00}. If I have a letter stating that I have settled the account, and it is now closed, why is XXXX XXXX XXXX XXXX. still reporting the forgiven balance as past due?

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 2018-02-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
I have had an auto lease with GM Financial for 5 years. I have it set to auto pay through my bank. It has paid every month, every year for 5 years. Until XX/XX/XXXX, when GM Financial contacted me to tell me I hadn't paid. I checked my bank statement, I checked with my bank and confirmed GM received the payment on XX/XX/XXXX. 

GM had provided an incorrect number on the voicemail, their website was incorrect and I had to research to find the correct number to call. 

After several hours speaking with several representatives over the course of SEVERAL DAYS, I faxed proof of cleared funds, and a TRACE ID to show they received it. 

They did not research or look for the payment, but continued to harass and demand payment. 

Finally, last week around the end of XX/XX/XXXX I spoke with XXXX from GM and she located the payment in their " old '' system and stated she took care of it. 

Then, today around XXXX XXXX EST I received a cryptic message with no company information or name, just to call. I called -- the number picks up and places you on hold. 

When someone finally answered, after a full 5 minutes of waiting to learn why they were calling, I was informed they were calling demanding the payment AGAIN. 

I have been harassed by GM for nearly a month now. I have been accused of not paying, my credit is threatened by their incompetence and I have now been only hold for over 20 minutes with no resolve. 

I'm being forced to go through this over and over and over because of their improper system migrations, failed customer service and incompetence. 

I can not be the only consumer this is happening to. 

To further confuse the matter -- they have changed phone numbers and addresses and failed to notify their consumers at all -- in addition to not properly reconciling their payment systems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WESTERN UNION COMPANY, THE
State: MI

Complaint narrative:
I paid by a western union money order to pay my XXXX XXXX bill. Some how XXXX XXXX cashed it. Western Union has received endless paper work since XXXX from me and XXXX XXXX and wont reinburse me. This has been going since XXXX. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
did not receive a court order to appear in court, being garnish for over 400,00 monthly by XXXX XXXX XXXX, no name on papers as to what co. I assume it was from XXXX XXXX XXXX for a credit card from XX/XX/XXXX or XX/XX/XXXX balance on card was XXXX XXXX, their bill XXXX XXXX.i received a check from XXXX XXXX XXXX dated XX/XX/XXXX. I paid insurance monthly covering the card in the amount of XXXX never cashed it first garnishment was XX/XX/XXXX no way I can afford this. Complaint # XXXX same as mine. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XX/XX/XXXX Requested a new relationship manager at Wells Fargo. XXXX XXXX and his boss XXXX XXXX have repeatedly blocked XXXX 's XXXX attempts to switch over.

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 2018-02-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I called the consumer to complain about it and nothing hasn't been done about it by them removing these things off my credit nothing has been done about it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On about XXXX of 2017 my credit card by XXXX XXXX Credit Card Services, issued by XXXX XXXX, XXXX. was used by fraud. The matter of the fraud was eventually investigated by the credit card issuer and credits were given for the use, the finance charges reversed, the late fees reversed but the credit issuer reported on my credit bureau a late payment during the confusing times and during. This is now affecting my cost for insurance and ability to finance my house and to get lower credit offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On about XXXX of 2017 my credit card by XXXX XXXX Credit Card Services, issued by XXXX XXXX, XXXX. was used by fraud. The matter of the fraud was eventually investigated by the credit card issuer and credits were given for the use, the finance charges reversed, the late fees reversed but the credit issuer reported on my credit bureau a late payment during the confusing times and during. This is now affecting my cost for insurance and ability to finance my house and to get lower credit offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On about XXXX of 2017 my credit card by XXXX XXXX Credit Card Services, issued by XXXX XXXX, XXXX. was used by fraud. The matter of the fraud was eventually investigated by the credit card issuer and credits were given for the use, the finance charges reversed, the late fees reversed but the credit issuer reported on my credit bureau a late payment during the confusing times and during. This is now affecting my cost for insurance and ability to finance my house and to get lower credit offers.

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 2018-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I filed bankruptcy last year and National Credit systems continues to report a negative item onto all three of my credit reports, in which violates the FCRA. I am not liable for any alleged debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I applied and was approved for the American Express XXXX XXXX XXXX Card on XX/XX/2017 ( see exhibit 1 attached ). As part of the offer details, I would receive XXXX XXXX XXXX XXXX after spending {$3000.00} in the first 3 months. After two statement periods, I spent a cumulative {$3300.00}, and paid in full ( see exhibit 2 and 3 attached ). After three statement periods, I spent a cumulative {$7200.00}, and paid in full ( see exhibit 4 attached ). I was also assessed an annual fee of {$75.00}. The {$75.00} is not included in my spend figures noted above. 

Further, American Express was offering XXXX XXXX XXXX Points for each referral that translated into an approved account opening. I approved both my wife and my brother in law, who both received approval, received the American Express XXXX XXXX XXXX Card, and both earned the XXXX XXXX XXXX  Points bonus. 

I have contacted American Express on numerous occasions, and have received a plethora of varying responses and reasons. A case was opened several weeks ago with no known resolution as of today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GMA Investments, LLC
State: FL

Complaint narrative:
They called my cell phone to get a hold of my husband, I called them back asking what it was about and they told me to tell my husband to grow up and pay the bill. They also said that their records indicate me ina " negative light '' and she wanted me to tell my side of the story before putting in her recommendation. They've called me twice and said they were going to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Moneytree Inc
State: NV

Complaint narrative:
My name is XXXX XXXX, my complain is the negligence of the tellers at MoneyTree in XXXX and XXXX in XXXX XXXX, I was trying to make a payment of my loan amounting to {$700.00} on Saturday on the XX/XX/XXXX, but teller told me that they only take cash right after she swpied my card and i got charged. I am trying to make a payment in full so i can borrow again a small amount so I wont have to pay a bigger interest. I had to withdraw money from my other account so I could pay them in full and put the money back once they refinance me, they voided the transaction and today is Monday and my money is not yet back in my bqnk account and when I asked about the interest they said I am still gon na pay the daily interest of my loan that I was trying to pay last Saturday, because of their negligence i had to take another loan from a different lender to put my money back to my account to avoid overdraft charges from my bank and late fee from my landlord. I need your help with this and I wan na get conpensated from all the inconceniences they have caused.

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 2018-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
In XX/XX/XXXX I received a statement dated XX/XX/XXXX from Citi Card saying that I owed a balance from a credit card of {$480.00}. There was no full number on the statement, just the last four digits, no listing of what the charges were for and a P.O. Box listed saying to immediately send in a payment. I had never applied for a card with them. I called a Citi Card rep and she did a search and found that I had no account and told me to forget it. I asked her if she wanted me to send in the statement to the company because of a fraud and she said no. In XX/XX/XXXX, another statement came for a payment of {$480.00} with a due date of XX/XX/XXXX and a balance listed of {$8500.00}. I questioned why I was still getting these statements. XX/XX/XXXX I placed a fraud alert report with the 3 credit agencies. On XX/XX/XXXX, I tried to speak with someone in the Citi Bank Fraud Dept. and had to wait hour even before speaking with anyone. Then, it took @ 45 min before it was decided to connect me the Loan Applications Dept. where I didnt get resolution because I was kept on so long waiting that my cell phone minutes ran low and my battery died. By XX/XX/XXXX. also, Citibank had placed this fraudulent posting onto my credit report ( first XXXX, then the others ), then I experienced repercussions from my credit card companies who began to reduce my credit and my credit score has plummeted very low due to their error. I am still trying to get this resolved. I have been trying to get the mailing address to send in a written complaint.From what I see, the company gave this other person credit privileges starting in XX/XX/XXXX when it would have been impossible for him/her to have due to my circumstances at the time. That is why I want to see the information on the credit application they okd. I filed a police report XXXX XXXX for identity theft. I've also gone on line and created an account with identitytheft.gov. I tried during this entire time to get a mailing address to send in my complaint but all Citi Bank has is online telephone numbers. I tried to go through those but couldn't get a mailing address. On Sat., XX/XX/XXXX I tried again to speak to a rep. ( again taking a long time to connect ), transferred to the Fraud Dept. which never answered and the rep. gave me a general mailing  address. It should not take this long to get this resolved. I've had the chance to see the reviews from the BBB and other sites. I hope I have a more positive resolution than what I've seen.

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 2018-02-05 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 — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
Honda Financial Services is incorrectly reporting to my credit. They have report my car payments late 7 times. When I in fact was not late and I have the proof that I wasnt late. My payments are due on the XXXX of every month but 7 different times when I paid on the XXXX they marked my payments as late and reported it to the credit bureaus. I made them mail me copies of my payment history. These are the dates they marked late but I have proof I wasnt late. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. I want these 7 payments credited to my account as made on time and I want the adjustment made with the credit bureaus. I also want the fees associated with these late payment removed because I wasnt late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I applied for an XXXX XXXX XXXX XX/XX/XXXX for XXXX XXXX. I did this because they were offering XXXX milies as a bonus. Because I had an XXXX XXXX XXXX in the recent pass in my name not the XXXX, I wanted to make sure that we would qualify for the bonus miles because I am well aware of the " waiting period '' required to be eligible. After explaining this the person I talked with assured me I would be eligible. 
Having spent the required {$3000.00} ; last week when I inquired as to where were the bonus miles, the person said you are not eligible because of the timing but would submit an appeal. Today, XX/XX/XXXX, I did receive a letter from them saying " we added XXXX XXXX XXXX XXXX miles to your account. '' The bonus offer was for XXXX. 
I don't record my telephone conversations but XXXX XXXX probably does which would verify my comments. 
Bottom line, this is the second time this has occurred ( the other time with XXXX XXXX ). A credit card company should not approve an application for bonus miles if the person or entity applying is not eligible for the bonus due to the time interval of previous card ownership. To " string '' a person out so that they will spend the {$3000.00} upfront money in a 90 day period and then tell them " Oh, guess what, you weren't eligible for the bonus miles you applied for. '' This is an unfair business practice and the CFPB needs to do something about it.

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 2018-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: NY

Complaint narrative:
An expired magazine subscription from 2years ago, through XXXX, was re-subscribed without authorization and charges put on a credit card used at that time. The order was canceled and the credit card account closed after finding out the charges were put on the card, but credit card company still says we owe them for the charges. Many attempts have been made to credit card company and the subscription company about situation, even filed complaint with New York atty. gen., but haven't heard back from atty. gen. Last notice via mail from credit card company still shows we " owe '' them money, from charges made by the magazine subscription company through XXXX, that were not authorized. Magazine company essentially committing identity theft. Credit card company is adding late fees.

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 2018-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
To whom it may concern, I need your help to return my money from Bank of America.

On XX/XX/XXXX, I was paying my Bank of America credit card balance online and by mistake, instead of {$1500.00}, I transferred {$15000.00}. When I realized this mistake I contacted Bank of America customer service department, and requested a transfer of {$13000.00} back to my XXXX XXXX XXXX   account. I provided all account information bank routing number and account number.

On XX/XX/XXXX, Bank of America made a readjustment and debited my credit card account for the transferred amount. I received a letter, stating that {$13000.00} were transferred to the original source. Unfortunately, this money never came to my checking account. After all my contacts and communications with Bank of America Customer resolution department, I did not achieve any results. Three cases were opened, closed, and marked as completed. In order to find the lost money, I requested that detailed information about this transaction is sent me, but Bank of America representatives refused to cooperate and help me solve this problem. 
At the time of the first transaction, I did not have enough money on my checking account, and this money came from my XXXX XXXX XXXX  credit card, linked to my checking account for overdraft protection. Now I am paying daily interest for this amount, and already paid about {$400.00} dollars. 
Please help me resolve this problem, and return this money 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 monetary relief
Consumer complaint received 2018-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I closed on a mortgage with XXXX XXXX XXXX XX/XX/XXXX that required PMI to be included. I was told to have the home re-appraised in 6 months to have the PMI cancelled. Just after closing, the mortgage was sold to Wells Fargo. Subsequently, I remodeled the entire interior of the home, bathrooms, kitchen, plumbing, etc.as well as new carpet and paint the whole house. I had the home re- appraised in XX/XX/XXXX which resulted in 79 % Loan to Value Ratio according to Wells Fargo . ( remodel was mentioned in the new appraisal ). XX/XX/XXXX, I receive a letter from Wells Fargo reading, even though your loan does meet the LTV ratio requirement indicated above ... ..you need to take additional steps to cancel your PMI .... send us receipts of structural improvements only or a check for {$32000.00}. The supervisor I later talked to said none of the remodeling I did was considered structural therefore does not count. 
The house originally went on the market for {$320000.00}. I purchased it for {$280000.00}. The original loan amount was {$250000.00} ( 90 % LTV ). 
The supervisor I talked to today, said it doesn't matter if the house is worth more, only if there are structural improvements or not.

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 2018-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
In 2015 my accounts were supposed to be in forbearance with a monthly payment of XXXX, I frequently received calls stating my payment was late and each time had to explain that it was supposed to be in forbearance. I was reaffirmed it was taken care of but it never actually was, on my credit report I can see that in 2015 I have a negative remark as a 90 day + late payment and then a couple of months later it shows that I was caught up again despite having not made a payment because it was in forbearance. I feel the loans have not been clearly defined and the help we receive when we ask for it is either inadequate or misleading.

Company response to consumer: Closed with explanation