vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I made several transfers of US $ to XXXX, a US company using my PNC debit card, for the purposes of investing it into digital currency. Unbeknown to me, PNC allowed 3 % of the face value of the US $ transfer to XXXX to be debited from my checking account. The payments were described as POS international fees on my checking account statement and were debited several times between XX/XX/XXXX and XX/XX/XXXX. PNCs excuse is that the US $ payments are routed through a US $ clearing account based in the XXXX XXXX and so they were entitled to charge fees as if my debit card had been used overseas. The aggregate amount of the fees charged total around {$100.00}. 

PNC have refused to file a complaint against XXXX or XXXX correspondent bank and have told me I am only entitled to dispute the transactions. I can not consciously dispute the transactions for two reasons. 1 ). The transactions were genuine and I willingly authorized the US $ transfers to XXXX. 2 ). XXXX currently has several $ thousands of my money sitting in their account. However, I did not authorize anyone to take a 3 % processing charge for the pleasure of wiring US $ into a US $ based account held in California with a US company. 

PNC have refused to take any other action other than giving me the option to dispute the transactions ( which as explained above are valid ). They have refused to allow me to dispute the 3 % processing charge. On a call today with PNC at XXXX today, they have confirmed to me that the dispute resolution process with them is now concluded. They also refused on the call, to provide any further information about who their regulator is or any details of how I can make a complaint against PNC for refusing to help resolve this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received 3 letters from TransUnion Credit monitoring membership dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. First letter dated XX/XX/XXXX states that on this same date XX/XX/XXXX the following changes appeared in my credit file : Major Derogatory from Creditor XXXX XXXX in the amount XXXX ( new medical collection ). 

Soon after receiving this information I submitted Dispute Letters to ( TransUnion, XXXX, & XXXX ) with the above derogatory account information on it that was given to me from TransUnion. 

I received a response from TransUnion dated XX/XX/XXXX(  less then 10 days of me quickly responding to this report ) stating RE : Unable to Locate Credit Report dispute Request. 

I submitted another Dispute Letter only to receive a TransUnion response dated XX/XX/XXXX RE : Dispute Status ... .Based on the information provided to TransUnion , our records show that the information you disputed does not currently appear on your TransUnion credit report. 

The certified letters that I submitted to the credit bureaus were sent expediently and most importantly I am using the same data that can be found on my current status credit report and the information that I received from TransUnion credit monitoring. 

I clearly monitor my credit report very closely and I went from XXXX to XXXX ... 33points dropped and now XXXX  dropped another 7 points! I work very hard to get where I am at. 

So how can I have a 33 and now 40 points dropped for the ( only ) negative thing on my credit report in which TransUnion and XXXX   now say does not exist or can not be found? When it is on my credit reports. All 3 of the bureaus has the same information I am rightfully disputing and all 3 credit bureaus : TransUnion, XXXX  and XXXX  each received a letter from me disputing this account and asking for validation.

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 2018-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My ex wife and I got a new vehicle loan from navy federal credit union for XXXX. We purchased a XXXX XXXX XXXX for XXXX and XXXX after tax, title and licensing. My car note was XXXX dollars per month for 60 months. For the first 32 months I never missed a payment totaling XXXX dollars. I also traded in a vehicle valued at XXXX dollars. After the first 32 months I refinanced for a lower payment which was reduced to XXXX per month. I assumed payments and payed over XXXX dollars over the next year and a half. My payments totaled over XXXX dollars with a few late payments and nfcu still said I owed XXXX dollars for this vehicle. After getting divorced I called NFCU to relinquish the vehicle because I could not afford it anymore and they agreed to pick it up. Within the next 72 hours they said the vehicle was totaled and they would not pick it up and that I was liable for the amount. But, I had already paid over the amount for that vehicle and It was not totaled it was still fully functional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I purchased my car in XX/XX/XXXX. The loan is through Ally. I have had nothing but problems with this loan from the beginning. My payments were not being applied to the account in a timely manner. I resorted to mailing most payments by priority or certified mail. ( When I could do so. ) Again, a payment has not been posted to my account. This payment was mailed on XX/XX/XXXX. I have requested a " pay-off '' amount. Just to get this loan away from Ally. I have not received that as of today. Phone calls from this company originate from off-shore and I do not supply or confirm any personal self identifying information over the phone. ( Especially to someone located outside of the US, that is unable to speak and understand English in a clear or concise manner. ) There is approximately XXXX attached to this loan in late fee 's, which I believe is intentional on the part of Ally. I also believe that some of the actions by Ally, are due to my age and gender. ( Age and gender discrimination. ) I have never had as many problems with a company as I have had with Ally. I want Ally to furnish the requested pay-off amount, so that this account can be closed with this company as soon as possible. I am also requesting that a itemized statement concerning the late fees charged to this account, so that they can be compared with the postal receipts. Ally, needs to be investigated for the way they treat their older female customers.

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 2018-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Short summary : Wells Fargo did not prepay my property tax for no reason when they willingly prepaid another customer 's property tax Details : My complaints are about Wells Fargo 's practice on customer 's mortgage escrow account. I sent an online message to Wells Fargo ( WF ) on XX/XX/XXXX to ask if they can prepay my property tax that is due in XX/XX/XXXX. This was after the tax reform bill was passed. The response I received said WF could n't honor my request because the escrow funds will be disbursed earlier than anticipated. Hence I prepaid the tax bill with my own funds. Later on XX/XX/XXXX when I was talking to a friend who also has a mortgage with WF, I found out that his property tax bill was prepaid by WF. He told me that WF was even willing to lend money to prepay the tax bill as there was not enough funds in the escrow account. I requested an explanation to WF but they have not provided me any so far. I have been nothing but a great customer. I have not had any complaint before, and my payments are always on time. Only reason I have had my mortgage with WF is because it was sold to them by the local lender that I originally obtained it from. WF should not be allowed to buy mortgage from other lenders without customers consent.

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 2018-01-22 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: CITIBANK, N.A.
State: FL

Complaint narrative:
our card was used and we filed a police report and the lady at citi denied our claim she violated our rights under the FCBA and now where out the money that was used plus XXXX in personal time she has the united travel docs to prove that we wernt even in the country

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 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
on XXXX XXXX 2018, I noticed a credit inquiry from XXXX on my credit report. I immediately called the phone number listed with the inquiry ( XXXX ) XXXX, and was told they had no reference of my name, address, or social security number. There is a block on my social security number, and ANY institution is to call me BEFORE running any type of credit, yet again my credit was ran without my consent. This has been happening for the past year, and not one creditor has bothered to call before running my credit. I need this to stop IMMEDIATELY. I need all inquiries REMOVED from all three credit reports! This has been ongoing, and I write letters, and nothing happens. This needs to be resolved immediately with all credit inquiries removed from all three credit bureaus.

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 2018-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i applied and there was no reason why i was denied they keep denying me for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi, I 'm a Citibank customer. They offered saving promotion which you deposit Requirement : {$25000.00} minimum and then you would get {$700.00} Savings Bonus after 3 months. 
So I applied for the promotion online around in mid-XX/XX/XXXX. 

Then after around 2 months, I called Citibank and asked about the reward. The customer support told me that it is not 3 months yet and told me to call back later and gave me the promotion code. Promotion code : XXXX. Then around 4~5 months time, I called in again and asked why I have n't received the money. Then the customer support told me because many people applied for the reward Citibank has to gather the money and distribute all the money at once and asked me to wait. 

Then in XX/XX/XXXX, I called in again and asked why I still have n't got the reward. This time Citibank told me I do not qualify for the promotion so I that is why I have n't got the money. I told them why I 'm not qualified, I kept {$25000.00} in the saving account. They told me I did n't deposit the money during that promotion time and was deposit before. Then I asked them, then why did n't you tell me the first time I called the customer support. This is the 3rd time I call and you are telling me I do not qualify after all these months. Why did n't tell me the first time? They blamed on the previous customer support and I was furious. 

This is really bad business practice and a dishonest bank.

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 2018-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BB&T CORPORATION
State: CT

Complaint narrative:
XX/XX/XXXX I opened a " Business Value 200 Checking '' account at BB & T online website. Deposited {$250.00} initial deposit via debit card during opening process. I set up online banking, was able to log in to see account. 
XX/XX/XXXX I realized I can not log into Online Banking due to " account locked. '' I tried to reset my password, system told me to call in to BB & T Online Banking help XX/XX/XXXX I called Online Banking help, was told that account was locked and closed due to " risk management assessment. '' I was also told that I need to go into a branch with identity/address proof to unlock the account. I said I do not want to deal with this anymore, I want to close my account and retrieve my {$250.00}. Was told to call New Account department on Monday when they open. 
XX/XX/XXXX I called New Account department, was told the same thing as before : account is locked and can not be reopened until I go to a branch to reactivate by providing proof of business and address. I told them 1 ) I can not go to a branch given my work/travel schedule and their operating hours, 2 ) I do n't want to use this bank anymore so I just want to close out the account and retrieve my {$250.00}. Rep ( XXXX ) tells me this is the bank 's process that must be done, there is nothing else offered. I ask if I can fax or mail them proof instead, since I can not make it to a branch ; she says no. I ask XXXX if there is a policy written anywhere that I agreed to that this is the process that must be followed for reactivation, she says no. She reiterates there is no other recourse before I can get my funds 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 2018-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
the casino i went to there cash machine was n't working so they voided the transaction and i NEVER signed anything and they put an X to show me it was voided no capital one denied my dispute and are charging me for something i never did saying it was signed i never signed and needs to be credited this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
I disputed a collection with Diversified Consultants which claim that I owe them {$610.00}. They have not sent me validation bearing my signature that this debt is mine and I 'd like this collection removed from all of my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
Over 10 years I 've paid the loan balance of XXXX with the needle not moving at all ... in fact it 's gone up to now XXXX. In XXXX of 2017 I told Navient my income situation has changed ( co-signer now retired with 1/4 of previous income and me with job loss ) and they have not been willing to work with us. I 've offered to settle the amount and give a new, agree upon repayment so that the needle would move. The only offered " good faith payment '' options without providing any requested documentation that after 9 months of those, they would consider dropping an interest rate. They offered a " verbal forbearance '' period and are unwilling to send documentation on the details. Any time I 've asked for documentation about anything that could help, they 've declined. Repeatedly declined. 

Now we have been threatened to be sued and told we have already waived our rights to a Jury trial. Huh??? 

This is the most crooked system and exactly what 's wrong in our company. Please contact XXXX at Navient and others there. Employee # : XXXX ( collection manager ) XXXX In addition to all of this, the loan states that I borrowed from a school that is not even correct. This is the level of incompetency we 're dealing with. Even the very info they have on me is incorrect and something must be done. The harassment must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
ENCLOSED YOU FIND A FORENSIC AUDIT SHOWING THAT THE TRUST NEVER RECIEVED MY LOAN AND THAT THE SERVICER AND WELLS FARGO HAVE FRAUDED THE COURTS AND I WILL LOSE MY HOME BECAUSE OF THIS FRAUD

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 2018-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi closed down 4 different credit card accounts on XXXX XXXX, 2018, all at the same time. By shutting down the accounts, they have closed access to more than 130,000 points and {$55.00} in XXXX cash I was owed from using the cards during the year. 

Citi did not provide me an explanation for closing of all the cards. I have been a loyal member with Citi for more than 10 years and have made all my payments on time. Not a single bill was not paid to Citi.

I am severely disappointed by this action from Citi.

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 2018-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened an account at bank of america, ove 20 years ago. I was told that no fees would be charged on my account as I have direct deposit. I just noticed that {$28.00} monthly fees have been assessed on my account erroneously. I attempted to speak with a supervisor and i was denied the opportunity to do so. I am requesting that Bank of America is contacted for an investigation

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 2018-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
No disclosure was provided of an already completed balance transfer where the policy now allows for new purchases to accrue interest from the date of transaction. The policy had previously been that the statement would arrive to confirm transactions with stipulated minimum payment and the new full balance of the CC. To which I would make my payment and be on my way. Not they accrue interest the date of a transaction withour disclosing their policy change. This gets to the point of abuse to consumers that are not able to manage cards and changing policies. These people make me sick and illustrate the importance of the CFPB.

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 2018-01-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Issue : Loan transferred from XXXX XXXX to Shellpoint Mortgage XX/XX/XXXX.

Prior to this transfer ; XXXX was in the process of placing loan in my name only, XXXX XXXX XXXX XXXX, per divorce decree and the approved Hamp loan modification. Prior to completion loan was transferred to Shellpoint.

I, XXXX XXXX XXXX  am able to provide a timeline of continuous contact for resolve of this matter with XXXX XXXX XXXX , inclusive of today calling twice leaving messages for XXXX XXXX , loss mitigation Supervisor, with no returned call to me as of the time of submission of this letter. XXXX XXXX XXXX spoke with me on XX/XX/XXXXassuring me that Shellpoint will honor the aforementioned XXXX agreement. All paperwork submitted, XX/XX/XXXX. XXXX XXXX  stated I will receive paperwork addressed to me, with Shellpoint 's name to re sign with mortgage amount and my name only. Timeframe will be 90 days. Confirmed with letter sent by shellpoint on XX/XX/XXXX ( but in XXXX XXXX 's name ). On XX/XX/XXXX I called to check status hence XXXX XXXX XXXX wants his name off the loan or can force me to sell. On XX/XX/XXXX, XXXX XXXX said I do n't qualify for hamp, I must start trial payment and then my name can be placed on loan, because I have not paid mortgage since XX/XX/XXXX. I was awaiting the documents, as told by XXXX XXXX in XX/XX/XXXX, to sign with my name only, with the XXXX XXXX new mortgage amount and was not told to pay mortgage while shellpoint formulated transition from XXXX XXXX to XXXX XXXX. Shellpoint has not abided by the XXXX agreement of the transparency notice I signed along with quit claim deed and all requested paperwork required by shellpoint. Shellpoint has not been honest and I will lose my home per divorce decree.

Shellpoint is unfairly requested a new trail payment and all the records are still in XXXX XXXX name. On this new trail payment one date says by XX/XX/XXXX the amount due XXXX but also says due on the XX/XX/XXXX. No one returned my calls for clarity.

I have timeline substantiating records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation