vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-02 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: IL

Complaint narrative:
Description : We are having an issue with a credit card that was opened with a balance transfer promotion ( 0 % APR for 10 months XXXX. After paying the balance transfer fee of {$240.00}, the balance transferred would have 0 % APR until the promotion end date of XX/XX/XXXX. 

This issue started XX/XX/XXXX. There was an issue with the autopay feature associated with the credit card. For the month of XXXX, an incorrect autopay setting led to payment of the entire balance on the credit card, rather than the intended minimum payment. I of course cancelled that payment as I had only intended to make the minimum monthly payment at a time. 

Since then, interest has accrued on the account despite the supposed 0 % APR. Naturally, customer service was contacted to inquire about this issue. According to a conversation had with a Citi agent on XX/XX/XXXX, the balance transfer offer ended due to the issue with the stopped payment due to autopay. Furthermore, the Citi agent agreed that therefore the original balance transfer fee of {$240.00} would be refunded within 2-3 business days. Meanwhile interest has continued to accrue for the remaining balance on the credit card. 

When that refund was not posted, we contacted Citi again. This time on XX/XX/XXXX, a different agent said that the refund would take 1-2 billing cycles to process. 

We have yet to receive that refund for the initial balance transfer fee ( {$240.00} ) and have again contacted Citi. Based on a chat with a different agent on XX/XX/XXXX, now Citi is refusing to issue the refund. Their reasoning is that the balance transfer was never " cancelled '' and therefore does not indicate a refund.

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 2020-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Received a phone call from XXXX XXXX XXXX XXXX, stating that they were attempting to collect a debt from Wachovia Bank, now Wells Fargo. The person on the line knew everything about me : my full name, birth date, social security number, current and former addresses, my correct former Wachovia Bank account number, and the full story of exactly what happened over 10 years ago with my Wachovia Bank account. They offered to settle my debt of {$820.00} for a lower amount of {$570.00}. I had no other choice, because I knew I had this debt to Wachovia Bank, now Wells Fargo, and they threatened to report me to several credit bureaus and something called " XXXX XXXX '' that would apparently put a hold on all my bank accounts and cards. I obliged, and payed them the amount of {$570.00}. The individual on the phone identified herself as XXXX XXXX, and gave me a call-back number of XXXX and stated that I would receive a letter of absolvement. It has been over two weeks, and I never received my letter, so I attempted to call the phone number, and it appears to be a bad phone number. Also, the website for XXXX XXXX XXXX XXXX states their address as XXXX XXXX XXXX XXXX  XXXX, XXXX, DE XXXX, which on XXXX street view, doesn't appear to exist. In addition, the company through which I paid was called XXXX XXXX XXXX. Their phone number is XXXX, which also appears to be a bad number, and their address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL, XXXX is a place where one can rent a single office in a larger office building, so this is also suspect. I believe I was scammed into paying this money fraudulently. Also, I am very concerned with the amount of personal information this individual had. I hope something can come from this. 

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
During the first week of XX/XX/2020, I contacted Quicken Loans in order to start a refinancing of my house with a cash out option of {$230000.00}. I provided all information asked of me including personal and business bank statements which show my income. I received the Closing Disclosure form on XX/XX/2020 which including the schedule closing date of XX/XX/2020. The loan processor has since contacted me asking for more information from myself and my CPA due to the fact that somehow I no longer qualify for this refi. 
The contact from Quicken Loans that I have been working with is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my Credit Report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I paid Caine and Weiner for this debt, and at the time I was assured it would be deleted from my credit report. That was six months ago! I wrote Caine Weiner a letter last month demanding the removal of the account, they have not responded, and the account is still being reported. PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: TN

Complaint narrative:
I bought a new XXXX XXXX XXXX from XXXX XXXX in XXXX, KS in XX/XX/XXXX. I received a loan from Kia Motors Finance. I then paid the vehicle off in XX/XX/XXXX. I wrote a letter to the company certified mail to : Kia Motors Finance Attn : Release of Title XXXX XXXX XXXX XXXX XXXX, CA XXXX Post Office Article # : XXXX Company receive date : XX/XX/XXXX I went to the Kansas DMV on XX/XX/XXXX and the company still hasn't released my vehicle title. I've been waiting on this title for over a year. My advice to everyone is DO NOT get a loan from this company.

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 2020-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
We received an email on XX/XX/2020 from Bank of America that is a fund transfer notification through XXXX the amount of {$6900.00}. Since we never authorized the transfer, we called Bank of America XXXX in the morning ( we have call history ), and requested stop the transfer. The number we called is XXXX. The representative said that the transfer is on pending, so there is nothing that they can do, but said if it is fraud, then we will get total refund. So the representative reported that transfer is fraud on the day XX/XX/2020 with the claim number XXXX. After that day, the transfer was completed, and we're just waiting for the full refund for about 2 weeks. During the waiting, we checked the bank account again, and found one transfer attempt the amount of {$8600.00} which we never authorized was failed already. About 2 week later, however we did not get any refund, so we called Bank of America again many times. They kept saying the investigation would take about 45 days, and we will have total refund. After long waiting, on XX/XX/2020 we received a mail that said Bank of America will not give us any money back because the transaction was completed using a device that is consistent with previous valid account activity. Of course we called the bank again, they said if we need to open this case again, we have to prove that our computer was hacked. So, we looked up our computer log, and found something that looks like the computer hacked. We printed them all, and submitted to Bank of America email. Also, we went to a BOA branch, and handed some documents directly. Recently we called the bank again, however, they said they did not receive anything after they closed the case. We don't know what to do now. We spent a lot of time and energy to get the money 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 monetary relief
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I experienced an extremely poor customer service from Citizens Bank. 

First, I had troubles setting up an auto draft payment at all. I called several times ahead the payment due date to make sure it is confirmed and I was told over the phone that it was, but then two days ahead of payment I received a letter it was cancelled ( even though I got a verbal confirmation that I'm all set ). 

Second, I was finally able to set up an auto draft for my mortgage in the amount of {$3900.00} that covers my monthly payments and set the payment date for XX/XX/XXXX. The payment came through yesterday, but then I saw that Citizens Mortgage also charged me another amount of {$2600.00}. I called today both Citizens Checking and Citizens Mortgage and no one was able to explain neither who authorized this payment nor where it went to. My mortgage was in fact adjusted for {$3900.00} but not for {$2600.00} I'm attaching snapshots from Citizens Bank Deposit account where you can see two charges withdrawn by Citizens Mortgage and a snapshot from Citizens Mortgage where you can see that only the payment of {$3900.00} was account for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I recently checked my credit score and I noticed a account in collections for XXXX, I tried to call the collection and i also tried to file I dispute with the credit Bureaus, they said I would need to file a report with you guys. So when I looked up the original creditor the company name was XXXX XXXX XXXX XXXX XXXX XXXX, I XXXX there company name and all the reviews say this company is issuing debt to people who never even did business with them, I Am XXXX and Im XXXX a XXXX Im trying to grow my credit and this debt is making it harder

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MS

Complaint narrative:
Dovenmuehle Mortgage is servicing my loan. Insurance was due on XX/XX/2020. As of XX/XX/2020, my insurance was not paid. They overnighted payment upon my request to the wrong address. XXXX cashed the check, then refunded payment onXX/XX/XXXX. Refused to reinstate policy. DMI said they didnt have the returned funds. As of XX/XX/2020, they found the funds with their 3rd party insurance vendor. I have no insurance and a new policy is {$4200.00} versus the {$2900.00} policy I had. I do not feel I should be penalized for the mistake of the servicer not paying the insurance premium on time. It was paid 35 days late by DMI and XXXX refused to reinstate the policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian is reporting a incorrect bankruptcy on my credit report. The bankruptcy does not belong to me. I have disputed this bankruptcy multiple times and Experian keeps telling me the bankruptcy is accurate. They have not provided any information to me to show me that this bankruptcy belongs to me. They are violating my rights as a consumer. They should be reporting accurate information and are not.

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 2020-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
My loan was sold to Freedom Mortgage a few months ago. I was in the process of refinancing with a dedicated loan officer. During the process, I kept receiving automated calls and direct calls from other loan officers in the same company trying to lower my rate. I ended up cancelling the transaction because I got tired of them calling me. They told me the calls would stop but they continue. Most recently, I escalated to a manager. She started arguing with me on why I should refinance when I simply just wanted them to stop calling me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: IN

Complaint narrative:
on XXXX2020 I sent a letter regarding inaccurate information on my credit report. Its has been well over 45 days and I have yet to receive an updates or investigation results. I feel like I am being taking advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. it has been well over 45 days so I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SN SERVICING CORPORATION
State: NJ

Complaint narrative:
I am requesting a pay-off statement of the TOTAL amount due as of XX/XX/XXXX I am not sure if it matters the the statement you sent is referring to XXXX XXXX XXXX XXXX NY. The correct address is XXXX XXXX XXXX XXXX, N.J. Please provide a full and complete pay-off statement with all the transactions leading up to XX/XX/XXXX I am attaching some of the checks that were paid to this mortgage and need to seen the deductions. I get the feeling that the buyer finds out that their is no financial activity going back to the original XXXX purchase XXXX XXXX XXXX XXXX  XXXX XXXX XXXX mortgage and the buyers senses something is wrong then declines making it next to impossible to sell the property. Right now XXXX XXXX XXXX XXXX  who acquired XXXX XXXX XXXX XXXX has no financial history on the property at all. Records show the mortgage was NOT filed. In addition XXXX XXXX XXXX has produced no release of the lien or discharge record. I contacted XXXX title and they requested my copy of the title policy that doesn't come anywhere near the deed location. 
I have requested XXXX XXXX XXXX XXXXrward me a copy of any financial record paid to XXXX for the mortgage and they have not produce anything that proves that they paid for the mortgage in the first place. 
Please correct the property address and send me an electronic copy of the complete pay-off statement from the very beginning using the pay-off date as XX/XX/XXXX PLEASE TAKE A LOOK AT THE ATTACHED MIN INFORMATION AND THE DATES ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I opened a Best Buy Credit Card recently thru Citi bank. I received my card on XX/XX/XXXX, on XX/XX/XXXX I set up my account online so I could make payments. The purchase i.made with the card was 18 months no interest with payments. Once I setup my account online it showed a payment due on XX/XX/XXXX or XX/XX/XXXX, I immediately made a payment. I never received a notice saying when a payment was due. I messaged Citi & Best Buy for a explanation. Both blame the other. As of today, Citi has given me a reply that I would receive a explanation within 24-48 hours and another message saying 15 days. I also have ask that since I closed my account does this affect the 18 months finance, will I have to pay the balance in full to avoid interest. It's been a week since I inquired about this. I can't get a reply from Citi, Best Buy still says Citi is responsible. I need this looked into since I get different answers. 
Thanks, 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 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
5/3 Bank ( Construction to Permanent loan ). 

During the construction loan period ( interest only payments ), 3 of the monthly payments included additional funds to be applied toward principal reduction. 

XX/XX/XXXX : {$1500.00} additional XX/XX/XXXX : {$1000.00} additional XX/XX/XXXX : {$1000.00} additional Original loan balance was XXXX. Per XX/XX/XXXX Screenshot of 5/3 mobile banking, principal amount due was {$540000.00} ( see attached ) -XX/XX/2020 the loan transitioned from construction to permanent as the house was completed. At that point a new statement was issue showing outstanding principal balance of XXXX ( original loan balance, extra pmts toward principal reduction were not accounted for ). 

Basically when loan transitioned from construction to permanent, principal balance did not account for {$3500.00} in principal reduction payments applied during XXXX-XXXX-XXXX. 


-XX/XX/20 I called 5/3 customer service line and talked to CSR XXXX , who confirmed extra payments for principal reduction were received in the aforementioned dates. I asked for a statement in writing showing the application of the extra pmts toward principal reduction, and what I received was the latest statement with wrong principal balance due. 

As of XX/XX/2020, email was sent to CSR that I have been in touch with, and loan officer who helped us at the beginning. The outstanding principal balance is XXXX as I already made first permanent loan payment that included XXXX toward principal. 

Today XX/XX/2020 I called gain and left a voice mail for the same individual

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
On XX/XX/2020 I contacted Midland Credit Management by phone at XXXX XXXX XXXX XXXX XXXX. They had been calling my cell phone repeatedly, and I was notified by my sister that they repeatedly called her house phone trying to reach me and collect a debt. I had never heard of the company and they did not send me anything in the mail with an account number or balance. 

I called Midland Credit Management over a month ago requesting their mailing adress so that I could verify, dispute, and/or or settle the debt. I wrote them two letters- one addressed to an office in XXXX , Michigan , and the other to an office in XXXX XXXX , California - asking them to stop calling my sister 's house and to only communicate with me in writing. I did not receive a response, so I called back on XX/XX/XXXX to follow up. I spoke to two female representatives who did not state that hey we're representing Midland Credit Management, but did say the call was an attempt to collect a debt. Neither of the reps offered settlement, dispute or verification options but instead asked me personal questions about why I couldn't pay the debt that day. I asked for the adress to make sure I sent my letters to the correct company. The first representative said, " What would that change if you communicated in writing? What was happening in your life at the time that the account went delinquent? '' The questions seemed irrelevant and I asked her to verify the adress. She said the post office address quickly so that I couldn't hear it. I asked to talk to a manager and she also didn't offer me any option but to pay the full balance that day. She said they would have to hire an attorney locally and take the debt case to court. I got frustrated and ended the call. I tried to call back but I got an automated message saying the office was closed. I am concerned that MIDLAND CREDIT MANAGEMENT based in XXXX XXXX, CA is NOT A LEGETIMATE DEBT COLLECTION COMPANY.

Company response to consumer: Closed with explanation