vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
On XX/XX/2018, I called the Citi Card customer service line to inquire if a payment had been made on my account. The automated system said my account had been closed and a payment of the balance of {$7800.00} ( and change ) paid. I did initiate the payoff, but have not requested by phone or mail for my account to be closed. 

On XX/XX/2018 I called the customer service line and requested to speak to a representative to have my account reinstated. I was told the account was closed by my request over the phone, but they could not provide proof of the automated or recorded call. The representative said the notes were confusing and they would have to get a second level supervisor to review. I stated I had not requested my account be closed and I wanted it reopened. He said they would research and get back to me, they may have to pull my credit to reopen. 

Today, XX/XX/2018, I received a letter saying the balance has been paid and my card closed. Again, I wanted the card left open and not closed. 

I am have been working to rebuild my credit and am concerned on how this closure will negatively impact my credit score. 

Please advise if you need more details. 

Thank you, 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 explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a dispute with my Chase credit card that I disputed online last week. As the online form was not complete on information on next steps and how Chase Credit Card would notify me of status I called tonight XX/XX/2018. The Dispute number from Chase Credit Card is XXXX. During the call as we were wrapping up the call the agent from Chase disputed that I was recording the call even though Chase before connection to the agent stated THEY WERE RECORDING the call. Nowhere in an Chase Credit Card or Chase Bank account information states that they CAN record the conversation while the customer can not. The agent transferred me to a supervisor where I specifically asked is it's Chase 's policy to record calls and the customers can not and the supervisor stated it WAS Chase policy. So I am left with a dispute on my credit card where I can not call into CHASE because their policy as admitted by the agent and the supervisor is that I can not record the SAME call they ARE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
credit card company says its over 60 days and cant dispute over 60 days when i didnt even authorize the transaction.

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 2018-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On, or around of XX/XX/XXXX. After several letters, of disputing! XXXX still reporting US BKPT CT. Fr  XX/XX/XXXX- to present? XXXX XXXX,XX/XX/XXXX. say I owe {$490.00}. Still waiting on validation? XXXX XXXX XXXX. XX/XX/XXXX - XX/XX/XXXX. claim I owe {$430.00}. No validation? XXXX, reported to XXXX XXXX, XX/XX/XXXX - XX/XX/XXXX. claim I owe {$1600.00}. No validation! XXXX XXXX XXXX, XX/XX/XXXX-XX/XX/XXXX. No validation! TransUnion, reported to XXXX XXXX XXXX, XX/XX/XXXX/-XX/XX/XXXX. claim I owe {$4.00}. XXXX XXXX XXXX, XX/XX/XXXX-XX/XX/XXXX.claim I owe {$1600.00}. XXXX XXXX, XXXX {$1200.00}. XXXX   XXXX XXXX, Clsd. {$1200.00}. XXXX XXXX XXXX XXXX ChrgOff.

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 2018-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
First I was out of town and didn't know where a Wells Fargo bank was located. I believe I have signed up for texted messages when my checking accounts ( yes I have 2 ) drop below a certain level. So I ended up paying {$200.00} toward my Wells Fargo Credit Card on XX/XX/18 and then paid {$250.00} on the same card on XX/XX/18. This was a mistake but since I can't see pending transfers in the account I double paid. This threw my whole life in a whirlwind. I was charged {$17.00} because the bank had to transfer money from my savings into my checking acct. But also because of this double payment to one credit card, I never intended to make, i overdrew again. I had set up to pay XXXX, XXXX, XXXX XXXX each {$25.00} on XX/XX/XXXX but they were paid {$25.00} again on XX/XX/XXXX ... again I never meant to duplicate these payments. So I don't know what is going on but at my XXXX bank if you try to enter a payment and you already have a pending one to that same vendor you get an alert immediately that you are about to double pay a vendor! So I am being charged 4 separate {$35.00} overdraft fee charges. These {$35.00} fees are more than the {$25.00} payments. I feel like I have been set up to fail and set up to be charged fees. When I realized what was going on I immediately transferred money from another Wells Fargo Checking and savings account into the overdrawn account. Those transfers are still pending today ( XX/XX/18 ). I do not understand why they didn't happen immediately so I would have avoided the four {$35.00} overdraft charges?? It all my money so what is the deal??? I feel like I was sat up to fail and I was set up to have to pay {$150.00} in fees!!!!! {$150.00} is a LOT of money to me!!! Again I never received a texted alert that my balance had dropped below a certain amount. At XXXX you see your pending payments ... .so you don't have to wonder if you set up for a vendor to be paid. At XXXX you receive an alert message if you attempt to double pay a vendor in the same month. These are both great resources and I don't see why Wells Fargo can't do this except for the fact they want to impose fees on us!

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 2018-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
To Whom It May Concern : On XX/XX/2018 I sent a dispute via USPS Priority Mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) to TransUnion wherein I disputed XXXX XXXX with a corresponding account number beginning in # XXXX. 

On XX/XX/2018 at XXXX XXXX, TransUnion received my dispute as recorded in the USPS tracking history. 

To view the tracking history please visit : https : //tools.usps.comXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On XX/XX/2018, TransUnion sent correspondence stating that my initial correspondence was received on XX/XX/2018 and additional information was received on XX/XX/2018, which allows TransUnion fifteen additional days . Therefore, my investigation would be completed on or before XX/XX/2018. 

15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. 

It has been 45 days since TransUnion received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file. Based on the previous information, I am hereby demanding deletion of XXXX XXXX with a corresponding account number beginning in # XXXX from my TransUnion file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account ONLY deletion. Furthermore, in accordance with s.1629e ( 8 ) of the debt collection practices act which clearly states that any information known to be false can not be reported to any credit bureau , I request that TransUnion immediately delete this information from my credit reports or else I will be forced to
immediately proceed with litigation to recover damages caused by TransUnions willful and negligent noncompliance of the Fair Credit Reporting Act.

If the account in question is removed from my files, I will consider the matter to be closed and no further action will be taken.

Please send me a copy of my updated TransUnion credit report as soon as the above has been completed. 

Sincerely, 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 explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have been receiving spam mail from TD Bank.

I did not sign up to receive this spam mail.

Just today, I received another spam mail.

I have attached the front and back of the spam mail I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NPAS, Inc.
State: OK

Complaint narrative:
XXXX XXXX XXXX, and/or affiliated persons, demanded money from me that I do not owe. 

Specifics are given by the attachments. But generally, XXXX and those in privity with him, demand money for medical services,  which XXXX, et al., failed to obtain from my medical insurer, by XXXX 's own wrongful conduct. 

The services were preventive under 42 U.S.C. 300gg-13.  Nevertheless, XXXX and those in privity with him, failed to submit proper claims to complainant 's XXXX XXXX XXXX XXXX insurance plan. Instead, XXXX et al. proceeded with false statements of a debt, and attempts to deceive, harass, intimidate and coerce money out of someone who did not owe it. 

XXXX 's affiliated persons include " National Patient Account Services , Inc. '' ( or " NPAS, Inc. '' ) operating from and/or chartered by the States of Kentucky, Tennessee and/or Texas, and " XXXX XXXX XXXX XXXX, '' probably connected with the States of Oklahoma and Ohio ( see attachments, p. 3 ).

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 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was late on a payment in XX/XX/XXXX on my American Express card. They raised the rate to a " Penalty APR '' of 29.99 %. It won't automatically decrease to the typical rate around 17 %. I was late again in XX/XX/XXXX and they are saying they won't even consider dropping the rate for another month - and only then I must show " stability ''.

I've been with them since XX/XX/XXXX. I'm struggling financially and last month was charged {$1100.00} in interest.

How is it possible a rate can be jacked up so high on a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have 3 Citibank Platinum AA credit cards for different purposes. One AA card ending in XXXX had a credit balance of {$350.00}. I requested it be transferred to a different card. This credit balance was subtracted and supposedly transferred on XX/XX/XXXX. However, this balance was NOT transferred to either card I have. It was simply subtracted so I no longer had a credit balance, so Citibank took the {$350.00}. I called five times over five weeks, and asked where the balance was. Each time, the rep said " oh that's strange '' and said " oh I found it it will be transferred within 2-3 business days ''. It has NEVER been transferred, and I am still missing the {$350.00} credit. So Citibank owes me {$350.00} that was subtracted ( they claim transferred, but it was not ) from the AA account ending in XXXX and they need to return this 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 non-monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called XXXX XXXX the last week of XXXX and the first week of XX/XX/2018 in an attempt to try to pay the past due balance of XXXX. When I reached out to them they told me that the debt was too old and they can't receive payment from me. I was told the account had been forwarded to their legal department and reported it to the IRS and legal action was being taken. Then I was told the account had been sold. When I asked who was the third party it had been sent to, I was first told was unknown then I was told that I could not get that information and had to wait to be contacted. I am currently still waiting to be contacted and have not heard anything from anyone but they keep negatively reporting it on my credit report every month despite my attempts set up arrangements to pay the debt.

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 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XX/XX/XXXX I deposited {$1500.00} into my credit card account at Citibank on XXXX and XXXX XXXX XXXX. 

XX/XX/XXXX I tried to pay my Public Storage bill I went to Citibank to ask for a refund. The bank manager called the credit card company, They said it would take 7 to 10 days. 


XX/XX/XXXX The amount was not returned, I called the credit card company, they seemed confused and ATM stated that owed $ XXXX.Several calls later the matter has not resolved. They said they mailed me a check for less than amount received.

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 2018-10-16 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : XXXX  XXXX ) XXXX, XXXX XXXX, XXXX XXXX are not my responsibility.. Credit bureaus failed to give me the result of their investigation, Not to mention they will not give me an explanation as to why they wont overturn or delete this erroneous inaccurate claim that has affected my credit score tremendously. I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Dear Sir/Madam : I am not certain if I am contacting the correct agency, but need assistance filing complaint against Wells Fargo regarding a mortgage. Shortly after hurricanes Katrina and Rita ( 2007 ) my mortgage was sold to Wells Fargo- which is to say it was the start of my problem. Although I have a fixed 30 year mortgage for the past 2-3 years my mortgage payment has varied with Wells Fargo. After numerous complaints, Wells Fargo stated the reason is that either : ( 1 ) my escrow was underpaid ( although I did not have an established Escrow account ) ( 2 ) Wells Fargo stating the bank is now paying my Real Estate taxes- which I previously paid on my own for the past 18 years, and still will pay on my own ; ( 3 ) Wells Fargo stating the fluctuating amount is due to upcoming taxes of less than {$520.00} ; however, Wells Fargo is erroneously collecting as of today 's date over {$1000.00}. For approximately the past twelve months Wells Fargo has added initially XXXX to my principal and interest, stating the bank is now paying my Real Estate taxes which amount annually to {$520.00}. within the past 12 months, my total payments consisted of {$800.00}, {$79000.00}, and now {$740.00} although the

principal and interest of this account is {$650.00}. I do have {$550.00} in unpaid late charges to which its my understanding that I can pay at the end of the term of the loan, but it's my belief, Wells Fargo is collecting the additional fees to collect the unpaid late charges in additional to an overage for unknown reason ( s ). After filing numerous complaints with Wells Fargo I am told its the bank rights to collect the upcoming taxes. although the amount exceeds my annual real estate taxes. and that Wells Fargo has the right to collect and apply the overage to my principal without my authority. At this point, my monthly mortgage has increased from {$650.00} to {$740.00}, but five months ago my monthly payments were {$790.00}. Any assistance or referral you can provide will be greatly appreciated.

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 2018-10-16 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: FL

Complaint narrative:
Background : a verification specialist at identityguard advised me last week that for social security number XXXX XXXX XXXX ( which I have understood since XXXX to be my social security number ) the 2 main credit rating agencies -- XXXX and XXXX -- have the name XXXX XXXX as the name associated with that social security number. 
The identityguard verification specialist advised me last week that the 3rd credit rating agency, Experian, has a name OTHER THAN XXXX XXXX. XXXX associated with that social security number. 
* * * When I seek to go on experian 's website, or call its toll free number, it asks me to identify myself : I provide my social security number ( XXXX XXXX XXXX ), but when I give my name -- XXXX XXXX. XXXX -- which to the best of my knowledge and belief ( and that of XXXX and XXXX ) is associated with that social security number, the Experian system says it does not recognize me ( understandable if they have another name associated with that social security number! ), and ends my effort to communicate with them. 
Seems like the perfect 'closed loop ' to keep Experian from ever resolving this problem ( I know I could send a message to experian to a P.O. Box by 'snail mail ', but I very rarely use the U.S. mail any more : I do virtually all of my interactions using my cell 'phone and my P.C. ) : hopefully, you can use your good offices to get them to check with XXXX and XXXX, and if they have no particular reason to hold on to the different name they have associated with my social security number, hopefully they will correct their file to be in conformity with what XXXX and XXXX have! 
* * * Thanks very much for your help in this, and bringing this to Experian 's attention for their consideration. 
With appreciation, XXXX XXXX. XXXX ( d.o.b. XX/XX/XXXX ), who believes his social security number is -- in fact -- XXXX 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 explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX , are not my responsibility.. Credit bureaus failed to give me the result of their investigation, Not to mention they will not give me an explanation as to why they wont overturn or delete this erroneous inaccurate claim that has affected my credit score tremendously. I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP

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