vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-30 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: NC

Complaint narrative:
I have never been late on my Citi XXXX XXXX card ( or any other card or bill for that matter ). I pay the balance in full every month. All of my 4 credit cards are due on the XXXX of the month. At the beginning of the month, I set up all of my bank drafts for my bills. For some reason, none of the 4 drafts went through for the XXXX payments. I did not notice the error until XX/XX/ and paid each in full immediately when I discovered the error. 
I use the Citi card for almost all charges, resulting in tens of thousands of merchant fees to Citi. 
The lesser used cards provided one-time courtesy waivers of interest and late fees. I contacted Citi and they refuse to extend me any courtesy waiver whatsoever. 
As I wrote to " XXXX '' in our chat : " Please know that my other cards with lesser usage have waived the interest and fees [ caused by this one-time mistake ]. Be sure to let your supervisors ( and anyone else know ) that this request was for a courtesy waiver of {$140.00} on an account that charges tens of thousands of dollars. Citi must think it's the only game in town. Say goodbye to all of those merchant charges and monies you make from my use on this card. I will shift the majority of charges to other, more forgiving, card issuers. '' I then offered Citi one more chance to re-consider it's position and credit my account. " XXXX '' told me nothing could be done and I could call a supervisor. Instead, I'm submitting this complaint ( and publishing it ) because we all have choices when it comes to the credit cards we use ( and which card benefits from the merchant fees those charges generate ).

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 2020-06-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC bank won't allow linking my account with another firm for account verification and loan purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I have a duly executed Power of Attorney to assist my elderly mother with financial and other issues. I have jumped through every hoop Bank of America required, including having the attorney who prepared the document, which has been accepted by numerous other financial institutions, redraft and my mother and 2 witnesses re-sign, due to a minor and completely inconsequential typo that caused the BOA legal department to reject it. 

All I am trying to do is assist my mother to be sure her bills are paid and finances are managed to help her stay in her home and out of a XXXX XXXX  for as long as possible. She is XXXX years old and refuses to use technology. I live a 5-hour drive away and need to be able to manage things remotely. I have set up online banking for her, but because BOA prevents me from having my own online access as Power of Attorney ( for reasons no one there can explain rationally beyond, " it's our policy '' ) I have been using that access as my only avenue to pay her bills remotely. 

BOA disabled her online access and notified us that I am not authorized to use the account, and the only way I can be is to be added as a co-owner. Every piece of legal advice I have gotten recommends against this, so as not to saddle one another with any liabilities that should be individual, suggests that I may be slapped with gift taxes by being added to this account, and that because it will cause the money to pass directly to me upon her death, create issues with inheritance to be split according to her will. Bottom line is that it seems ill advised to make myself a co-owner, which is why we went the route of paying an attorney to prepare the POA, which Bank of America has essentially rendered useless unless I drive 5 hours to be in the same room as my mother every time I need to access her account, which is highly impractical. 

I believe we have tried to do the right thing at every turn, and yet have absolutely no recourse with the bank and its ridiculous " policy. '' They have defeated me - I am dragging my mother, with her walker, to the bank this afternoon to do their bidding and add myself to this account and deal with whatever the fallout from that becomes. But I would like to protect others and help change their insane system that is designed to prevent family from helping one another. Can CFPB help in any way??? I have beated my head against the Bank of America wall until it hurts and I give up.

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 2020-06-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I called at the end of XXXX to increase our Heloc so we could do our upper roof - we currently have a line of $ XXXX and wanted to increase it to $ XXXX. XXXX XXXX said to try to go for the max amount and we could always bring it back down so we did. I supplied all the needed docs within one week. I then did not hear back. I checked back with him and he said he was to try to get a closing date on XX/XX/XXXX. We then had another verification of employment done and were expecting a date shortly thereafter. I then received a call from XXXX XXXX the processor and she said she normally did not deal with these so she was not sure but the underwriter wanted to pay down some items even though our appraisal came in higher than expected at $ XXXX. We only owe about $ XXXX on our mortgage so even with the increase to the $ XXXX we have on the Heloc we were in good shape with loan to value. We agreed to pay off a credit card, I also closed a credit card I do not use and lowered the limits of other cards I have that we did not need that much credit on. I used to work in mortgage so I know how they work. I have yet to hear back with an offer of what amount is approved. We have very high credit scores and we also have a ton of equity and rental income in our rental properties. I have asked for the underwriting manager to review this as this does not add up. We had been approved in a week when we originally took out the HELOC. I would like this investigated as soon as possible as our roofing project has been put on hold since XXXX at this point. Thanks for your help in contacting them and fining them if need be for not addressing our needs in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
was not able to link my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I am writing this complaint regarding a fraudulent company named XXXX ( XXXX  ), currently unavailable. 
I was contacted by XXXX who offered an attractive investment and claimed that my funds would be deposited into an investment account in my name, I did not receive a real investment account and I now understand that XXXX  is not regulated in the United States, where I reside. I now understand that XXXX  does not have the ability to provide segregated accounts for investment purposes I acquired Bitcoins from Coinbase.com and transferred that to XXXX. Unfortunately, I have not received any help from Coinbase ( registered in USA ) to recover my stolen funds. 

Thus, I am reaching out to you to consider my case and help me recover the stolen funds. 

Thanks and Regards, Complainants Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, GA XXXX, USA Contact : ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: C B Merchant Services
State: CA

Complaint narrative:
I payed off my debt in full and asked the company to remove my account from collections and was told they wouldn't remove it they would only update it to show payed ... i need this account removed immediately so I can qualify for a loan for a house ... please remove from collections. I also called them back and told XXXX extension XXXX that I would file a complaint if it wasn't removed.. again she told me to file the complaint and that she wouldn't remove it only update it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, US DEPT ED Company Inquiries : XXXX  XXXX  XXXX XXXX XXXX XXXX TRANS UNION

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 2020-06-30 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, US DEPT ED Company Inquiries : XXXX  XXXX  XXXX XXXX XXXX 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 2020-06-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: College Foundation, Inc.
State: NC

Complaint narrative:
In XX/XX/2020 I called to get a deferment and was giving the run. I was told that I received one several years ago and was not allowed another one basically giving me the run around. Then the pandemic hiy and I have since called on several occasions and can't get through. I understand the pandemic we are living in however I received a letter XX/XX/XXXX advising that my payments will resume and they have nothing to do with COVID-19. Unfortunately a lot of people are struggling during this time its hard enough trying to keep a roof over my head, food on the table and clothes on our backs. I need a deferment and I can't believe during this time College Foundation is using unfair practicing to either force people to pay or ruin their credit. They love to send stuff to the credit bureau that's another topic all by itself also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: MA

Complaint narrative:
On or about XX/XX/20 my husband and I both received medical bills from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$27.00} and {$200.00} ). Both bills were paid in full on or about the same date from our HSA at XXXX by check. Both checks had the correct acct # on them and were cashed. We received another bill the following month showing these amounts still outstanding. I made phone inquiry and was advised to send the canceled checks to XXXX @ XXXX  which I did. She advised that she could not make the correction but would send it up the chain. I was told it could take up to three months but since they had the canceled checks it would not be sent to collections. I continued to follow up periodically and the same assurances were made. On XX/XX/2020 my husband and I both received letters from a collection agency, American Adjustment Bureau Inc. claiming {$7.00} and {$52.00} were due. Our online accounts show : a " XXXX XXXX XXXX '' credit and " Bad Debt Collection '' amount due in the same amounts as the letter. We have both submitted a written dispute with supporting documentation. I'm certainly frustrated with the process and concerned about how this will affect our credit. I'm also concerned others may be facing the same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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:
Since XXXX, I've been disputing a medical bill with XXXX from XXXX. I went through all the proper channels of contacting both companies but am not being heard. I contacted XXXX  recently via mail, phone and online for assistance with a medcial bill reflecting on my report that I advised I didn't owe. I've always had active medical insurance since XXXX ( as a freshman in college ), and I've never neglected a bill nor created one without the use of my insurance. I have documentation that insurance was available to me at the time of this medical claim, and that insurance could cover this entire bill had it been my hospital charge. 

I filed a complaint with XXXX  on not giving up " the burden of proof '' showing where this debt is VALIDATED. All I received ( see attached ) was a bill with the name on it. No signature form or any other pertinent information showing that this is indeed my debt. 

I am looking for assistance with getting this debt deleted since all debt validation attempts were not executed by the Credit Bureau XXXX  or the collection agency XXXX. 

I have attached all dispute correspondence of the past to see that proper measures were taken without proper reciprocation. 

I ask that this account is deleted from ALL bureaus starting with XXXX  due to their negligence of proper due dilligence to properly protect me as a consumer. 

Thank you, 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 2020-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XX/XX/XXXX I received my monthly statement I was XXXX now XXXX starting XX/XX/XXXX I had received a tax bill after I refinanced in XX/XX/XXXX I had closed on a refinance in XX/XX/XXXX my husband had passed away and the loan would put only my name on mortgage with Nationstar mortgage XXXX XXXX was my loan agent at Nationstar I called when I received tax bill and was assured it is handled by my mortgage company I called them they said when they refinanced the LOAN they made mistakes now they are saying my payment will still be higher XXXX month please Help me they now say I have to refinance the taxes out of my equity with them to fix the mistakes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: FISERV FINXACT CORE
State: MA

Complaint narrative:
I RECEIVED THE EIP VISA DEBIT CARD FROM US GOVT. 
I FOLLOWED INSTRUCTIONS TO CALL XXXX. MULTIPLE CALLS RESULTED IN SAME INSTRUCTION TO ENTER A PIN ON AUTOMATIC MENU, NO AGENT SERVICE. ACCORDING TO INSTRUCTIONS ( on line and written info ), THE AUTOMATIC MENU IS SUPPOSE TO ASK ME FOR LAST OF SS #. 
I NEVER HAD THAT OPTION. 
I TRIED UNSUCCESSFULLY TO REGISTER ON LINE BUT WAS UNABLE TO ESTABLISH A PIN. I WENT SO FAR IN THIS FUTILE PROCESS THAT I REGISTERED WITH THE BANK, MONEY NETWORK, IN THE HOPES TO BE ALLOWED TO ENTER A PIN FOR THE DEBIT CARD. I HAVE TRIED CALLING THE MONEY NETWORK BANK BUT CONTINUOS BUSY SIGNAL. I DO NOT WANT TOBE PART OF THIS BANK 'S SYSTEM. VERY POOR CUSTOMER SERVICE. 
I WOULD GREATLY APPRECIATE HELP IN GETTING A PIN IN ORDER TO USE THE EIP  CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
Disputed validity of account never opened up an account with XXXX  in XXXX of this year as they are reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL 3 bureaus are reporting differently on the this particular account which I reported as FRAUD.I HAVE NEVER HAD A STUDENT LOAN WITH US DEPT OF EDXXXX ACCT # XXXX {$16000.00} US DEPT OF EDXXXX ACCT # XXXX {$5100.00} US DEPT OF EDXXXX ACCT # XXXX {$3300.00} EXPERIAN IS REPORTING IT AS A CHARGE/OFF WITH LATE PAYMENTS XXXX  IS REPORTING IT AS ACTIVE ACCOUNT WITHOUT ANY ACTIVITY XXXX  FOUND THAT IT WAS FRAUDULENT AND DELETED THE ACCOUNT

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 2020-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I have contact RMP over 5 times about this account thats on my credit report. I have told them over and over its not mines they refuse to listen. So to hush me up they report they account as paid when I never paid it. This account is destroying my credit health I can not get anything when they see I have a collection account on my report. I have a common name I asked them for verification a copy of my hippa and also prove they are authorized to even collect money from people in my state and also documents showing prove they own this debt they refused. This account need to be removed its not mines they dont have prove its mines. This is illegal putting anything on people credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: TX

Complaint narrative:
FTC WAS FILED ON THE ACCOUNTS BELOW : XXXX XXXX XXXX XXXX XXXX  Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor 12 XXXX  XXXX XXXX  XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2100.00} High Balance {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: KY

Complaint narrative:
This company is a vulture and they feed on struggling individuals that are just trying to get by. Im paying them appropriately {$130.00} from every pay check every two weeks for a {$1000.00} loan for a total of 52 weeks. This was ignorant on my part to agree to but manageable until they added their additional interest and fees for delaying payments while my job was in jeopardy. I had delayed a couple payments during the COVID crisis and was charged an insanely amount of interest for requesting these extensions. Its a pandemic at the moment, families are Struggling and theyre feeding on that. I had to choose between paying them and feeding my children while my job was in jeopardy and instead of assisting, they charged me for asking for help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
MY XXXX XXXX  CREDIT CARD stated to me that they report to the credit bureau daily yet the CREDIT bureaus have no consistency in how they report balances it seems as if they report whenever they choose ... ..my balance with XXXX  in XXXX was XXXX but the bureaus reported it at least 3 times throughout the month ... reported XXXX dropped my score 50 plus pnts and then reported it at XXXX and it dropped more because it reported the usage as high ... ..MY BALANCE IS ONLY XXXX!!! and I want this corrected immediately and my account re-scored immediately!! 


XXXX XXXX CREDIT CARD ACCOUNT # XXXX $ XXXX they also continue to report inquiries that I have no knowledge of : XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020

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