vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-20 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: NV

Complaint narrative:
I have a XXXX  Travel Card through Citibank, and I had a {$6.00} balance on the card, due XX/XX/2020. I attempted to pay it XX/XX/2020, and per the Citi website it posted XX/XX/2020, but returned XX/XX/2020, with no reason given as to why. I attempted once more on XX/XX/2020, this time trying to make the minimum payment of {$6.00}, and it posted XX/XX/2020, but returned XX/XX/2020, again with no reason. I was issued a late payment charge of {$29.00} on XX/XX/2020 as well. I called in to their line, and they informed me that an account number was incorrect somewhere, and transferred me to their collections department, who then said that I was at fault and I shouldn't have trusted their system when it informed me that the payment had been made.

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 2020-03-20 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: ONEMAIN FINANCE CORPORATION
State: MO

Complaint narrative:
Inquiries on my credit report without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have recently been a victim of identity theft and am trying to reach Experian and after interacting with their website today, i know there is fraud activity with the user name Experian has for me and my SSN. But when trying to reach a human to talk to, their system will Not allow me to speak to an actual customer service Human. After numerous attempts to call the number THEIR SITE is telling me to call, their IVR system will NOT allow me to reach a Human. How can a credit bureau company not allow me to contact a human. 

When trying to reset my password, it wants to send an email to an incorrect email. Somehow the thief has stolen my information on Experian 's site and must be sending the thief the password reset link to an email address not controlled by me. 

I then attempted to sign up for their membership, agreeing to PAY their fee. Using new user name and password to sign up for the membership, it tells me i'm using the wrong info and shows me a page with a phone number to call ... But when i call.. same thing- IVR system gives me no option to speak to a human. It's very frustrating when a credit bureau company, charged to protect my PII does not have Humans who i can communicate with. 

You, as the CFPB - please assist me and get this changed for future consumers. Also if you have a phone number i can reach a human, please email it to me at 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 2020-03-21 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: FIFTH THIRD FINANCIAL CORPORATION
State: MO

Complaint narrative:
I got a loan for a car and the car was totaled out XX/XX/2017 and it's on my credit report as a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I have my mortgage through PHH since 2003 and have always had my taxes escrowed. Never any issues until now as I recieved notice from the courthouse early XXXX that my taxes were not paid ... contacted PHH several times and they give me the run around ask me to fax that letter from the courthouse which I have now 4 times each time they say they didnt receive it and wont help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I went to XXXX for my entitled free credit reports. 

As soon as I downloaded them, my PC messed up on me before I had a chance to copy or print the information. 

Now they won't let me see the reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: TN

Complaint narrative:
I had 4 fraudulent charges were made against my Direct Express debit card on XX/XX/2020, which i get my government benefits sent to each month. All four transaction were international orders placed against my card. I believe there has been a security breach. 

1. ) XX/XX/2020 XXXX XXXX, XXXX {$3.00} International purchase fee 2. ) XX/XX/2020 XXXX XXXX, XXXX {$98.00} Cash purchase 3. ) XX/XX/2020 XXXX, XXXX {$.00} International purchase fee 4. ) XX/XX/2020 XXXX, XXXX  {$46.00} Cash purchase

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MI

Complaint narrative:
This slimy company stole my identity and used it to illegally collect a debt. Furthermore, they've taken action to furnished my credit report with false 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 2020-03-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
BMO advertised a {$500.00} bonus for their Checking and Savings, which includes a {$400.00} dollar bonus to open a checking account and a {$100.00} bonus to open a savings account within a time frame. Account was opened in person in XX/XX/2019, and the promotion code was put in by the banker and confirmed to be applied by her. A copy of the promotion terms and conditions was printed and provided to me at the time of account opening. I met all the requirements for the bonus, and only received {$400.00} for the checking account not the {$100.00} for the savings account. When called and inquired details, representative said it's because the promotion code was not applied when Savings was opened? And they can't do anything but to send my question to the banker who opened the account to resolve it. Time passed and nobody ever reached back to me, tried two more times including calling and online messaging them. They always promise to escalate it and have the banker reach out to me, but nothing never happens. I did a research online and found a number of other people were having the issue ( not receiving bonus and fail to pursue it even though all requirements are met ).

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 2020-03-20 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: SUN LOAN COMPANY INC.
State: MO

Complaint narrative:
Inquiries on my credit report without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: American First Finance, Inc.
State: MO

Complaint narrative:
Inquiries on my credit report without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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:
My bank of America credit card was accidentally overpaid by an automatic payment that I had previously set up. On XX/XX/20, a payment of {$3700.00} was transferred from my XXXX checking account to my Bank of America credit card. This resulted in a negative balance of approximately {$2600.00} on my Bank of America credit card. I contacted credit card services at Bank of America on XX/XX/20 and asked for a balance transfer back to my XXXX checking account, which they are required to grant by federal law. They agreed to process this, but then I was told that as a routine matter, the fraud department would not transfer the money for 10 days. The 10 days elapsed on XX/XX/20 at the close of business. I have called customer service multiple times and they don't know why my transfer has not been processed, and they keep telling me that they can not get in touch with the department that investigates these transfers to see what is causing the delay. I would like to get my money transferred back to my checking account as soon as possible, and this unjustified delay is unlawful. The latest person that I spoke with is XXXX on XX/XX/20 ( ID number XXXX ) - she stated that she would send a note to the fraud department asking them to expedite this investigation, and promised to call me back by close of business today to update me on the situation, but has not called me back. I would appreciate your help in resolving this matter.

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 2020-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
In the middle of XX/XX/XXXX, I went to my computer to check on my bank account that I have with Wells Fargo in XXXX, Oregon and I was shocked to see that a mobile app came in from my XXXX  XXXX credit card in the amount of {$510.00}, which paid off the credit card. I had some money in my account, but not that much, and it went in severe overdraft. The overdraft charges were over {$300.00} and still coming as the bills that are paid automatically kept coming through. When I went into the bank in XXXX of XXXX, I told the bank manager that I was going to open an account at another bank because I needed to find out what happened. 
I called XXXX XXXX and they denied everything and said that they could not help me. 
I put a claim into Wells Fargo and waited for a response. Wells Fargo stopped payment for the {$510.00} but there was still all the overdrafts. 
On XX/XX/XXXX, when I called Wells Fargo and talked with XXXX, the bank manager, and she said to me that when I came in to tell her about the mobile app in XXXX, she said that I told that I told her I overspent that month and would she help me out with the overdraft charges. That is so not true, either she does not remember or she is not telling the truth. Then she connected me to the claims dept at WF and I talked with a  claims person and he told me that the mobile app came in XX/XX/XXXX and that is not true, it was in XX/XX/XXXX. I do not think they would want to perjure themselves in court. People are all telling different stories and I do not know why. I am a senior citizen and I believe some people are taking advantage of 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 2020-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had a bank account with US BANK with a reserve line of credit attached that acted as an overdraft protection. I opened a bank account with a credit union and did not touch my US BANK account and it had $ in the account. I went inside a branch only to find out my account was negative and about to be sent to collections. Apparently they took out a reserve line payment for more than what the account had which I did not know until I went to the branch to physically make a payment so after that it accrued fees totaling over {$100.00}. I tried to fix the issue but it was already in collections so it went to XXXX   XXXX XXXX in XX/XX/2019 for the amount of {$150.00} which I disputed and never heard anything nor did I receive a letter or any documentation with the outcome of the dispute.Then on the XX/XX/XXXX I received a new collection letter for the same debt from XXXX XXXX which I also disputed and heard nothing.so I called the first collection agency appeles to ask what happened with the dispute they told me they weren't collecting a debt and it was marked paid in full but they couldnt release any paperwork stating that and advised me to call US BANK which claimed to have no notations of the dispute whats so ever. Fast forward to XX/XX/XXXX I received yet another collection letter with again no outcome from the last company on the dispute again this time it is XXXX XXXX XXXX XXXX I again disputed it for the 3rd time now within 5 months I'm just really getting tired of writing dispute letters only to get a letter for the same debt from another agency regarding the same debt that I have been disputing since XXXX. I just want this matter resolved.

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 2020-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK
State: AL

Complaint narrative:
To whom it may concern : This grievance is in regards to Freedom Debt Relief. I have been paying over {$400.00} a month for almost 2 years under the impression that Freedom would settle and pay roughly {$20000.00} in credit card debt for me. I have recently just found out that after paying a total of {$7200.00} to them, they have only paid out a total of {$1000.00} to my creditors.

I have tried to reach out to the company with no success for resolution. When asked where the remainder of the funds was one representative informed me that I could view it as " being  thrown away ''. 

After contacting the XXXX XXXX XXXX I was sent up with a " Reputation Management Specialist '' for Freedom, but I have never been able to reach them. I have called multiple times, but always get told that the person is not in the office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: OK

Complaint narrative:
Debt collector ( XXXX  XXXX  ) contacts me multiple times per day. They leave a voicemail message if I do not answer, which counts as contact. As an example, they called me twice on XX/XX/2020 from phone number XXXX at XXXX and XXXX. They left a voicemail message at XXXX, but continued to contact me. I have spoken with the company previously and advised them they are in direct violation of consumer rights. They have disregarded my requests to stop contacting me, and continue to do so. 

Additional number they have called from : XXXX XX/XX/2020 at XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX They are very clearly number spoofing in an effort to have me answer their phone calls, which is another clear violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OR

Complaint narrative:
Late Start to Qualified Public Service Loan Payments ( 8 months ) The over-all problem is that FedLoans began my qualifying public service loan payments two months late because they were slow at getting their paperwork done. On XX/XX/XXXX, I filled out an IDR Plan Application on my federal student loans both with the FedLoan company and XXXX company who both service approximately half of my loans. I graduated in XX/XX/XXXX. I submitted an application to switch from IBR to REPAY in XX/XX/XXXX with the expectation my first qualifying payment for Public Service Loan Forgiveness ( PSLF ) would be XX/XX/XXXX as indicated on my billing statement with both companies ( Your first payment is due XX/XX/XXXX ) and per multiple phone conversations with representative at FedLoan. XXXX XXXX approved my REPAY plan XX/XX/XXXX and FedLoans on XX/XX/XXXX, therefore FedLoans had a three and a half months delay in getting paperwork done. I would like to add that there is no difference between these loans as documented in the paperwork provided. My XXXX Plus loans with both companies went from IBR to  REPAY and there should be NO difference in processing time. However, since FedLoans has taken significantly longer to process my paperwork, my first qualifying payment under REPAY is scheduled for XX/XX/XXXX instead of XX/XX/XXXX for the Public Service Loan Forgiveness Program. This means I will lose 2  months of qualifying payments and my grace period with FedLoans is 8 months. 

This could amount to a loss of approximately {$1600.00} depending on my income in the last two months of payment. I have called FedLoan two times since XX/XX/XXXX when I realized my qualifying payments for PSLF would be delayed. I have spent hours researching how to navigate the complicated details associated with student loan repayment and I have done my job to get the paperwork turned into you on time. If FedLoan is requiring me to get my paperwork done on time each year, FedLoan also needs to get its paperwork done one time. Over  the phone their excuse for delaying my public service loan qualifying payments was because I started making payments, while I was still in school. However, I am not sure why this loop hole has such an unfair consequence. 

When comparing the two companys ability to complete paperwork on time, it is evident that FedLoan is at fault for not processing paperwork in a timely manner. Therefore, I am requesting FedLoan to correct their error by granting me REPAY payments starting on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
I purchased my home in XX/XX/XXXX for {$150.00}, XXXX. My situation is that the septic tank is built on my driveway and it is way too close to the house and it doesn't percolate. I have to have it emptied out every month or it will overflow back into the house where live my son who has XXXX and XXXX XXXX XXXX XXXX  and XXXX  with XXXX  XXXX   XXXX  and his mother is XXXX. This is a very stressful situation since we have to bleach everything all the time for the sake of our health. I stopped making payments to the bank in XX/XX/XXXX when I sued the bank because it doesn't comply with VA regulations health wise. After many, many changes of judges I took the case all the way to the Federal Supreme Court. There was a number assigned to my case however, there was not enough time on their agenda to see it through. There was an inspection from the VA and they noted in the documents that an inspection from the PR Health Department is needed and that the lender had ignored this situation and still moved forward with the closing. The EPA inspected the area and stated that the way the septic tank was built does not comply with the laws and regulations and it should be on the backyard away from the structure. XXX inspected the area and recommended not to walk on the street due to the contamination since it will be brought into the house. The Department of Health of PR informed us after the inspection that the septic tank does not meet the requirements  needed for any type of mortgage loan because it does not comply with PR laws. My house has lost its value to others in foreclosure for the same issue which are selling for $ XXXX. Yes, {$30000.00}! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I sent a dispute about inaccurate information on my credit report XXXX  XXXX  XXXX  {$800.00} to Experian I have yet to receive any response.

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 2020-03-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: General Motors Financial Company, Inc.
State: MN

Complaint narrative:
I filed a complaint against my auto financing creditor, GM Financial in XXXXof 2018. Gm falsely claimed I was not making payment on my car lease even though my monthly mailed statement said I was always current and never behind. This action heavily impacted my credit score dramatically so I filed a report with the CFPB. After the investigation was complete GM was made accountable for their wrong doing and said in XXXX or XXXX of 2018 that they would correct their allegations and let the credit bureau be aware of the error, and could take 45-90 days for the corrections to be made on my credit report. It has been a year and a half now and my score has not changed nor has that error been removed. I reached out to GM Financial on a couple occasions and they say I am, and never, had an account with them. At this point the car dealership had told me to file another complaint to get this error rectified. 
Thank you.

Company response to consumer: Closed with explanation