vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-11 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: CITIBANK, N.A.

Complaint narrative:
Sir I m using Citi bank credit card for the last 15 years may be more period but due pandemic this I was in trouble physically financially and from earnings also So there was delay in making payment of credit card but I paid principle amount in full and requested many times to waive the interest part which quite handsome amount Citi bank has down my cibil score due to which I m facing log of hardship Kindly look into matter with a request to give me positive solution As I have approached many times Citibank even sended mails to there ombudsman Dept but yet no response My citi bank credit card ending with XXXX Regards XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX No : XXXX XXXX Email : 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 2022-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I opened a Santander checking account under a bank promotion on XX/XX/2022. The promotion stated that I would get {$400.00} for having direct deposits totaling {$6000.00} or more within the first 90 days and an additional {$200.00} for maintaining an average daily balance of {$6500.00} or more for the first 90 days of account opening. 

I opened the account in branch and told the representative that I had previously had an account with Santander so I wasn't sure if I qualified for the promotion. The representative told me that because I had an account last year and this was a new year it was ok and I qualified for the promotion. 

Towards the end of the 90 days on XX/XX/XXXX, I called Santander to confirm I was on track for the bonus and they confirmed I had met the direct deposit requirements so far and as long as I kept the funds in through the 90 days ( XXXX ) I could expect it in the first week of XXXX. 

I did not receive the bonus last week and so I called Santander again today and they said I did not qualify for the promotion because eligibility was not based on calendar year as the bank representative had initially told me, but rather on a rolling 12 month period. I was very upset and told them about both of my prior conversations, but they said they could not honor the bonus because I had owned an account within 11 months and not 12 and that I had been misinformed when opening the account. 

When I tried to escalate this with the representative, they said they were having technical difficulties and I would have to call back to speak with a supervisor. I tried calling back but the representative had no notes on the file and wanted me to explain everything all over again. 

I am very upset to have been misled to deposit a significant amount of money with Santander for an extended period of time with the expectation that I would receive a promotional bonus, but when it came time to pay they changed their story. This is not a one-off case of one employee being misinformed or " new '' as the last customer service agent suggested because 2 people at the bank on separate occasions said I was good to get the bonus. If I had been properly informed by either representative I would have never kept my money there, redirected my work direct deposit there, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: D2 Management LLC
State: MI

Complaint narrative:
I received a call from XXXX ( on XX/XX/2022, XXXX ) asking to verify my first name. I told them it " depends on the reason of the call '' because I did not want to be scammed or a victim of identity theft again. She identified her debt collections agency as D2 Management. Then the lady disclosed the last XXXX digits of a social security without verifying who I am first. I did not disclose to them verbally my first name nor my last name. This is a violation of privacy. I then told them I do not know the reason of the phone call or what debt is being collect and hung up on them. 

Later, I called the same number ( XXXX on XX/XX/2022, XXXX ) and requested the debt collection agency 's mailing address to submit a debt verification letter. The lady identified herself as XXXX ( Did not confirm the spelling of her name ) and refused to provide the mailing address of the agency until I gave her my personal information. This is a violation of the Fair Debt Collection Practices Act ; a debt collection must be able to provide a mailing address without personal information to allow consumers to submit a debt verification letter. XXXX told me I could tell her my personal information and have them send me the debt verification letter, however, that could be a lie and they do not need personal information to disclose to me their mailing address for their debt collections agency. She did tell me the website of their agency, d2management.com. However, the website could be fraudulent or even have the wrong mailing address on the web page for the agency. She continued to refuse my request for the mailing address and told me she " will let her clients know '' and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: IL

Complaint narrative:
I recently checked my report and noticed Unauthorized, unknown and Unrecognized inquiries on my credit report. 

- XXXX XXXX XX/XX/2021- XXXX XXXX XX/XX/2021 I would like to have these items removed promptly. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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 — Problem with personal statement of dispute
Company: CarMax, Inc.
State: GA

Complaint narrative:
CarMax Auto Finance falsely reported that consumers owes them money. consequently, prevent consumers from obtaining other loans that violate consumers Civil and Constitutional rights ( life, liberty, and property ) life, liberty and the pursuit of happiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: APEX Asset Management, LLC
State: PA

Complaint narrative:
Company is a debt collection agency. They sent a request for repayment of XXXX bills, XXXX invoices originally received from health care facility, in XXXX separate request, presumably because I have to dispute each one separately. The online form to dispute debt provides no confirmation of submitting disputes. Debt was paid in full-confirmed with original creditor debt was paid in full. Was told by original creditor they had contact Apex. Provided proof to company that debt was paid in full, but got no confirmation of receipt. They refused to remove or resolve debt until they received communications from company, but when I asked them to contact the company ( since I had already spoke to the company on this issue and was informed they would call Apex ) they refused to do so. Company is in violation of Fair Debt Collection Practices act as they are providing false and misleading representations see 807. False or misleading representations. They threatened to report the debt to credit bureaus even though debt was already paid. Company is predatory and provides non-responsive answers to questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have a fraudulent charge on my credit card. I called AMEX and reported it as fraud on XX/XX/XXXX. I explained to them that I did not make this purchase and have examined my XXXX account in great detail to ensure that it is in fact fraud. They still haven't removed the charge from my account and are refusing to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I am a XXXX XXXX for the past 12 years, and I do not qualify for Public Loan Forgiveness because I consolidated my student loans with my wife in 2006. We now have an XXXX loan, and we have been told multiple times that we do not qualify for Public Loan Forgiveness. The only option we have is to do the Income Based Repayment plan, and the payment we make is {$1200.00} per month. This payment does not even pay the interest on the loan, so the loan continues to grow. We also can not afford to make this payment monthly, as it is the highest payment in our budget, which puts us at risk for default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent in a letter requesting that all accounts be looked and corrected because the account is not mine and i never received a response back.

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 2022-04-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Someone has an access on my credit information, and is ruining my credit while I was sick. I have no knowledge of what and who this could be.

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 2022-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: FL

Complaint narrative:
Sallie Mae is charging me outrageous interest rates up to 10 % for private student loan for my XXXX XXXX completed in XXXX  I am currently earning less than {$25000.00} per year in revenue and they will not come up with any flexible payment options. I am having to pay {$470.00} a month or my credit will suffer as well as my moms who is the co-signer. My mom is also out of XXXX They offer no forbearance, no reduced rates absolutely nothing zero resources. Please help me I can not continue to pay these outrageous payments. These people harass myself and my family nearly day and night with calls, emails and texts it is absolutely unbearable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, AXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Good afternoon, my name is XXXX XXXX I have been banking with wells Fargo for about XXXX years. About XX/XX/2020 I wired money to have my car fixed to XXXX XXXX ( {$1000.00} ). Days later my account looks as if it had been compromised. For several days I received many calls from wells Fargo & I also did not have access to my account. I was required to visit branch to unlock my account. All of my money ( {$6000.00} ) had been snatched from my account. A false check was also deposited into a atm with my name misspelled & different signature. My account is now over drawn by {$1000.00}, I never received this debit card that was used for the transaction. My Wells Fargo banking is only conducted in the city of XXXX GA. I requested for wells Fargo to open my claim which had first been denied and check the IP addresses or the wire transfers. If you look at the screenshots below it looks as if XXXX individuals were attempting to sent money back & forth.

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 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-11 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: IL

Complaint narrative:
I recently checked my report and noticed Unauthorized, unknown and Unrecognized inquiries on my credit report. 

- XXXX XXXX XX/XX/2021- XXXX XXXX XX/XX/2021 I would like to have these items removed promptly. 

Thank you!

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 2022-04-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently checked my report and noticed Unauthorized, unknown and Unrecognized inquiries on my credit report. 

- XXXX XXXX XX/XX/2021- XXXX XXXX XX/XX/2021 I would like to have these items removed promptly. 

Thank you!

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 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, Account # : XXXX, XXXX account : # XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX  account # : XXXX, XXXX credit card account # : XXXX Have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, Account # : XXXX, XXXX account : # XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX  account # : XXXX, XXXX credit card account # : XXXX Have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2. States a Consumer Reporting Agency can not furnish an account without my written instructions. 
15 U.S.C. 1692 C Companies involved are : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2020 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
Consumer complaint received 2022-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase Bank charged a ridiculously amount ( over {$5000.00} ) from my mortgage escrow for home owner insurance, whereas my own policy is ~ {$500.00}. They didn't attempt to reach me via the proper communication channels, such as emails or phone calls. We were out of town for a few months so just got to catch up with the mail they sent. 

What's worse, it's impossible to contact the custom service. They listed ( XXXX ) XXXX on https : //www.mycoverageinfo.com/chase website, but when I called, it's all automatic. The call doesn't provide me extra information than the website, there was no custom service ( pressed XXXX but it's not recognized ), it was extremely hard to navigate the selections and there was no way for me to figure the insurance requirements or have my questions answered. 

Overall, I think the Chase bank didn't do a good job to help someone who's new to their mortgage to XXXX ) understand the requirements and upload the insurance coverage evidences, XXXX ) get help from custom service. They would rather charge {$5000.00} from the escrow than trying to set the custom success and satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: January Technologies, Inc
State: MN

Complaint narrative:
My mother was sent an email about an overdue balance on my checking account. The email that my mother received detailed my account information and the balance overdue. My mother is not associated with the account in anyway and only my email address is listed on the account. The collection agency that sent the email is called XXXX. XXXX shared sensitive/personal information with a XXXX party not associated with the account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I had four accounts with bmw financial. All paid on time. There was a lease end charge on one account and they applied it to another. I even paid again to try to resolve, yet they are reporting my account as being delinquent, resulting in a XXXX point score drop. 

Dates : Acct paid of in full - XX/XX/XXXX Lease end balance paid - XX/XX/XXXX Additional paid advice what I owed XX/XX/XXXX I also told them since the beginning that I am XXXX and had really bad XXXX  when we were first going through this, and maybe they applied it to the wrong account because of my condition. Yet they won't remove the negative report.

Company response to consumer: Closed with explanation