vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Dear CPFB I am complaining about M & T Bank where I have a joint with my daughter. 

Within the last year, I went to the XXXX Branch of M & T Bank and met with Assistant Manager XXXX XXXX. I asked to be removed from the account. As I watched, he worked on his PC, and told me I was off the account. I asked if I had to sign anything, he said no and I left thinking I was no longer an account holder. 

Imagine my shock when on XX/XX/XXXX, I received an email for insufficient funds notice. Turns out this was my first notice but the the last one before the bank blocked the account and began their collection process. 

So I had no knowledge but looked into it further and a small matter, less than {$100.00} for a purchase, the first membership fee, and an overdraft let to almost {$300.00} owed. My daughter chose to NOT have her card overdraw her account for everyday purchases. I further learned that the gym is a recurring transaction and not impacted by this choice. 

The account is negative almost {$300.00}. Is it reasonable for 6 fees of {$38.00} for two items overdrawing the account {$62.00}?

It seems convenient that my wishes to be removed did not happen, and M & T only bothered to contact me when the account was a mess. 

She paid M & T bank last year a total of {$610.00} in fees I have since learned researching this matter. She stopped using the account, and a charge for XXXX XXXX XXXX  XXXX XXXX  overdrew before she could close the account. 

Im contacting the CPFB to make sure you are aware of M & T Bank and the fees it charges account holders. How a customer can pay over {$600.00} last year, and this year two items can cause another {$230.00} in fees. And only when a sufficiently large balance is racked up, do they contact everyone on the account? 

When I contacted the bank, I was told that I remain an account holder and responsible, the account needed to be closed to remove my liability, and that I need to pay in full. Im willing to pay a reasonable amount on behalf of my daughter. 

Please help me in this matter, 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 monetary relief
Consumer complaint received 2020-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have filed a billing dispute for my CITI Prestige Credit card for a transaction made on XX/XX/2019, CL*TRAVEL of {$1200.00}. The dispute case number is XXXX. The reason for the dispute is the service received is not as expected. After I filed the dispute, the CITI dispute team never asked me to provide any supporting materials but closed the dispute in favor of the merchant by just listen to the merchant side. The reason CITI close the dispute is " you used these services with the knowledge they were not what you originally agreed upon '', which is certainly not TRUE at all. 

The nature of this dispute is, when I book the hotel from CITI Thankyou portal 's travel website, the XXXX XXXX stated that their hotel room is SUPER CLEAN in their booking website. But when I stayed in the hotel, the room is not that clean and I get a severe bug bite in the hotel, and I know the consequence of bug bite after I leave the hotel. When I first stay in hotel I find the room is not that clean, but the hotel reject to refund the prepaid room charge, and promise they will clean the room to the required standard, but they didn't. First, I didn't know the room service I receive will be like this dirty, if I know I will never choose to stay there. No one is going to stay a room with bug issue. Second, hotel reject to refund the room charge after I tell them the issue of the room, and promise will clean the room, but they didn't. Thrid, the severe consequence of bug bite happens after I leave the hotel. So the reason that '' I understand the room situation at beginning and still choose to stay there '' is NOT TRUE. 

I called CITI dispute and explained what happened and CITI promised they will re-open the investigation. After I sent them all the supporting materials, the CITI dispute team never reach me to discuss the issue and reject the dispute for the same reason. I believe the CITI dispute team never investigate the case or even look at the supporting materials I sent to them. The reason CITI denies my dispute is not convincing.

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 2020-02-20 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 — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: WA

Complaint narrative:
I requested my credit report from Sagestream LLC on XX/XX/XXXX, through the company 's online request form. After submitting the form, I received a confirmation message stating that I would receive my credit report by USPS first class mail. I never received the report. 

I submitted another form on XX/XX/XXXX and received the same confirmation message. I have not received the report. 

This is my second complaint against the company. I tried to contact the company several times by phone and once by mail prior to my first complaint. The company 's response to my first complaint was to suggest I complete an application on their web site. I have done this twice and still have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Ive asked them to provide documentation that I entered into an agreement with this company and or had anything signed by me agreeing to ownership of this debt. This was not provided. I dont have and have never possessed anything with the company sleep number and therefore I dont owe the original creditor a debt or the company who has brought the debt and is negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
on XX/XX/XXXX I initiated a complaint that the information was incorrect. Experian says I have an account with XXXX XXXX that is overdue. I called XXXX XXXX they have no record of any account in my name, much les a past due account. I have attempted to contact Experian but can not get a hold of anyone. Experian is completely unresponsive!

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 2020-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I was contacted by XXXX XXXX offering to complete my application for a loan forgiveness program I recently inquired about with Navient. They asked for my birthdate and social security number, then accessed my file to review payment plans I might qualify for. He offered a down payment of XXXX XXXX monthly for 4 months then a payment reduction of 50 % for 240 payments with a forgiveness of any remaining balance at that time. I spoke with Navient who advised this info. Was not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: Franklin Financial  Corporation
State: WI

Complaint narrative:
On XX/XX/2019 and XX/XX/2019 XXXX XXXX XXXX ran hard inquiries on my credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
a XXXX  XXXX XXXX  tradeline was resolved in 2017 ; however, tradeline wasn't removed in accordance with agreement made with debt collector on behalf of the original creditor.

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 2020-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: AL

Complaint narrative:
I applied for a job that did a background check on me before hiring me. The 3rd party company they used to do the background check is reporting a speeding ticket incident on my driving record that was not supposed to be on my record. The incident occured on XX/XX/XXXX and did in fact happen. However, I attended court and the judge allowed me to pay my fine and attend a defensive driving course ( at my expense, which I also paid for. I went to the court house XXXX the XX/XX/XXXXand asked for someone to investigate why this was being reported. The clerk found an error in input on their end which she corrected and printed out a doccument for me to show that this had all taken place. I sent the company, Checkr a copy of that page and asked them to reinvestigate my background to pull my report again so that this information was no longer listed. The have since decided not to correct this listing, which has caused me to be turned down for the job that I applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My account was hacked and the guy opened a XXXX account and stoled {$1000.00} I did not Authorize this. I called Citibank Immediately and opened up a fraud case! I assumed Citibank was able to track this and was going to reimburse me. After almost 2 weeks they said the case was closed and they were not going to reimburse me since I gave this man access to my computer

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 2020-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/2019 and XX/XX/2019 XXXX XXXX XXXX ran hard inquiries on my credit without my permission.

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 2020-02-20 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: FL

Complaint narrative:
On XX/XX/2019, I was charged my normal fee for a subscription to XXXX that I had forgotten about. I no longer had a physical Citibank Credit Card so forgot that I had anything charging to it. When I realized that it was charged, I made the payment with the late fee. I also used my cash back rewards to clear the card. I've emailed, chatted online and called into Citibank to request that a {$39.00} late fee be removed. The fee was understood to be waived ; however, wasn't waived. There is now a balance of {$100.00} which are fees charged on top of fees. They won't waive the fee as previously agreed and feel that I'm being taken advantage of by being charged fees on top of fees without any goods or services being offered.

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 2020-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Tried to update my address by using Experian online service to upload the IDentification and couldn't do it the system will take me back to the origin of the screen

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 2020-02-20 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$16000.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my 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 2020-02-20 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$16000.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my 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 2020-02-20 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$16000.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SAMC Honebee TRS, LLC
State: FL

Complaint narrative:
Company : GMFS Mortgage. 
This is about unauthorized charge for PMI from my escrow account. 
In addition to monthly mortgage payment I sent additional payment towards principal in XX/XX/XXXX to meet 20 % down payment so that I can request to cancel the PMI. My payments were processed by XX/XX/XXXX ( Transaction pages are attached for reference ). I called GMFS customer service and made a request to cancel the PMI. My PMI was cancelled on XX/XX/XXXX ( Cancellation confirmation letter from GMFS is attached for reference ). On XX/XX/XXXX, GMFS debited {$240.00} for private mortgage insurance disbursement. I called GMFS customer service to understand this charge and made requests to refund it, but after several calls ( many times the customer service responses were poor and disappointing ) they said, " that was the payment due for PMI ''. Please note, there was no payment due for PMI, I explained it to the customer service representative. All previous PMI payments were made, this can easily be verified from the transaction pages attached. I made request to transfer my call to supervisor as my request to refund unauthorized charge remained unresolved. They said they can not transfer my call to supervisor, but they said they can setup call back from supervisor. I agreed for the call back option and they said I should get a call from supervisor in next 48 to 72 hours. I did not receive call back from them at all. 
I made call back requests on these dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Till date the issue is unresolved. I request you to investigate this issue and have GMFS refund {$240.00} to me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-20 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: Commerce Home Mortgage, Inc
State: NM

Complaint narrative:
Commerce Home Mortgage located on XXXX XXXX XXXX XXXX # XXXX XXXX, NM XXXX ran a hard credit inquiry on my credit on XX/XX/2020 through the credit reporting agency XXXX XXXX XXXX. This credit check was not requested or authorized by me. On XX/XX/2020, I made contact with XXXX XXXX Mortgage  Advisor Assistant who claimed this inquiry was not a hard credit inquiry and was ran as a refreshment inquiry to see if they could provide me with a better loan rate. I advised her that this was reflecting as a hard inquiry on my credit report which lowered my credit score and I needed this to be cleared from my report as I did not request or authorize this credit check. XXXX stated that my credit should return to normal soon and could not provide any assistance in this matter, she could only say sorry for running my credit without permission.

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 2020-02-20 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: NC

Complaint narrative:
THE DISPUTED ACCOUNT AND INQUIRIES BEING DISPUTED WAS NOT AUTHORIZED BY ME. THE ACCOUNT HAS BEEN HARMING MY CREDIT AND IS CONTINUOUSLY REPORTING ON MY REPORT. PLEASE HAVE THIS ACCOUNT AND ALL THOSE UNAUTHORIZED INQUIRIES REMOVE OFF MY CREDIT.

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