vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
For the last few billing cycles I've been paying the full amount due on my account and not making any new purchases ; however, the each time I get my bill for the last two months, I find I owe a small additional amount. First I owed XXXX  dollars, now XXXX  dollars.

This seems to be unfair and deceptive billing practices and I want to lodge a complaint. I also want to ensure I'm not charged a late fee because of this deceptive practices. As a customer I feel I've paid my account in full, have not made any new purchases and lo and behold, I have money due unexpectedly. Since there's no " auto payment '' option for XXXX XXXX you have to manually log in view and pay the bill, increasing the chances for unknown charges in the amount of hidden fees. I believe they may have had a system change in timing for applying fee charges AFTER the customer statement is generated, thereby making it impossible for the customer to fully " pay down '' to XXXX  their account amount. This seems to be systemic abuse of the system, allowing them to charge customers hidden interest fees and collect " late '' charges deceptively.

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 2020-03-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: CA

Complaint narrative:
SHELL CREDIT CARD WAS OPENED IN MY NAME WITH MY SSN, CLEAR CASE OF IDENTITY THEFT. I COULD NOT HAVE OPENED AN ACCOUNT WITH SHELL AS MY CREDIT SCORE WAS BELOW 500. 
I HAVE NEVER HAD A GAS CREDIT CARD IN MY ENTIRE LIFE. I AM A SENIOR CITIZEN ( XXXX yrs now ) AND I ONLY DRIVE A FEW MILES PER WEEK FOR GROCERIES AND XXXX   XXXX. 
I SHOULD NOT HAVE TO PAY FOR SOMEONE STEALING MY INFORMATION AND RUNNING UP A BILL. WOULD YOU? 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX SSN : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Midwest Fidelity Services, LLC
State: GA

Complaint narrative:
I sent Midwest Fidelity a debt validation letter in XX/XX/XXXX, a year ago, when this pooped up on my credit report.

I asked for : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). Familiarity with ( XXXX XXXX.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that they own the debt with full clear title ( 8 ). Proof that they were on the original contract ( 9 ). Proof they are bonded in the state of Georgia ( 10 ). Proof they are who they claim They did not respond, so they account was deleted due to the violation and i asked for a cease and decist phone calls and letters. 
now its XX/XX/XXXX, they sent me another letter asking for a lesser settlement amount. ( violation 1 ) They are misrepresenting their name with the credit bureau this time around. they are claiming XXXX XXXX XXXX ( which i don't have an account with ) is collecting the debt instead of them. the report shows Same address and phone number on the report as Midwest Fidelity.

Who are they trying to fool? ( violation 2 ) Legally, no items ever deleted from a credit file can not return with the same company. ( so this is why they changed the name ) ( violation 3 ) FDCPA i will be filing a compliant with the FTC, XXXX, AG, and others

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I reported a card stolen XX/XX/XXXX, received a temporary card XX/XX/XXXX. Was in an accident and provided a rental car by my insurance. I provided the temporary card void of my name to allow a {$200.00} temporary hold on my account. Insurance adjuster took 2.5 weeks to appraise damage and finally did so right before XXXX. Auto shop was worried the car wouldnt be fixed within 30 day window. I was in contact with insurance and complained the amount of repairs was equal to value of car, now add in the rental which would now be late, due to the adjuster, and this couldve been avoided had I just been issued a total loss, my claim became much more costly than it needed to be which was not my fault. Claim rep agreed with me and promptly refused to speak with me after agreeing. I also missed out on XXXX  biggest discount of the decade due to the untimely process of the insurance. I was angry but thought I put this all behind me, traded in the car, and got a new vehicle without the employee pricing that cost me thousands, and moved on with my life. XX/XX/XXXX was hit with a {$1300.00} charge for the rental car that my insurance paid for. No bill or attempt to notify me of an outstanding balance was ever received from XXXX XXXX XXXX. No alert or permission request from Bank of America was ever received. I submitted a complaint of fraud to my bank that was denied. Is my bank allowed to accept charges on an old expired card without any authorization? If I was responsible for these charges I would have figured out what was going on by contacting my insurance XXXX XXXX, and XXXX, and try to get to the bottom of this. But instead my bank took the liberty of removing 50 % of my account funds without my authorization on a non recurring transaction along my ability to dispute any claims. I could have argued some of the charges, I could have told my insurance I needed a new claim rep who would respond to my daily phone calls, even when I spoke with other reps and was promised a return call one was never received therefore I have no clue what they paid if anything. My bank who I trusted to protect my money gave away any ability to dispute these charges with Updater services and a Forced Authorization without me present and without my PIN, after a card was reported stolen, you would think these convenience features would not be allowed. What stops fraudsters from doing the same thing on a stolen card? PleAse help!

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 2020-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
THIS IS NOT A DUPLICATE-Citibank is reporting inaccurate information to all three major bureaus. They responded to a previous CFPB investigation stating that the information was correct. The past due history is showing for XXXX : past due ( XX/XX/19 and XX/XX/19 ). XXXX  : past due ( XXXX ) and XXXX  : ( XXXX ). Under the federal Fair Reporting Act ( 15 U.S.C section 1681 and following ) you are obligated to investigate this request within 30 days and promptly give credit reporting agencies correct information. These negative remarks are damaging my credit. Please promptly contact XXXX, XXXX  and XXXX  and any other credit reporting agency to which you have reported and remove all past due history from my file because it is misrepresentation.

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 2020-03-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
This is regarding my Bank of America Alaska Airlines Business card, acquired on XX/XX/XXXX, and for which I paid an annual fee for. 

Even though I paid the annual fees, Bank of America unilaterally closed my account without any explanation on XX/XX/XXXX, thereby denying me services that I had already paid for. I was never in default, never extended my credit limit, or otherwise breached any terms of the contract. 

Please either reinstate my account, or provide a detailed justification for the closure Also provide a refund of the annual fees given that services paid for are not provided, leading to deceptive and unfair practice.

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 2020-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Volunteer Mortgage Loan Servicing
State: TN

Complaint narrative:
During the process of monthly payments I have sent payments on time, but continue to get late fees. Also when I do payments over the phone the workers have been not writing the right documents for to take my payments which cause me to be late. When ask about this issue the company stated that I give the wrong information ( When I specifically give the information back to the worker number of times. Second issue was i have sent money in that make me have money in another account with the company. Ask the company to refund me the money and they stated i couldn't receive it back I have email the director of the company of this issue no one call nor respond back to my complaints. Also I recieve a loss Mitigation approval were documents were wrong that the company stated I suppose to be pay back which was not right, ask the specialist that sent the documents which she know nothing to provide the right information. So I am writing to CFPB to look into this matter also the reviews of this company of Volunteer Mortgage Loan Servicing, which other consumers are going through also.Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
An account holder with JP Morgan Chase bank at XXXX XXXX XXXX XXXX in XXXX, Ca using a scam that included fake identity, fake documents and stolen leterheads representing and pretending to be a claims manager ( XXXX XXXX ) for a real bank in the XXXX ( XXXX XXXX ) received a wire from my business in the amount of {$50000.00} on XX/XX/2020. Upon recognizing this scam I immediately went to my bank where the wire was sent and tried stopping the funds as they alerted Chase bank that it was fraud and that the wire should be stopped immediately and also investigated. This was all done within 24 hours of the sent wire on XX/XX/XXXX. Not only did Chase not investigate this transaction, they waited almost 2 days before they even tried to stop this. Nobody at Chase bank wanted to help me or speak to me and I was transferred 4-5 times and was finally told that they would only speak with someone from my bank. Chase finally responded to my bank that their account holder ( XXXX XXXX account # XXXX XXXX took my wire money several minutes after it was sent and there was 'nothing ' they could do. I filed this with my local FBI bureau and local police. I believe Chase has a responsibility to investigate fraud and suspicious criminal activity and return this money since they and most all banks have some type of fraud insurance. Their response to this was unacceptable as they gave favor to their fraud account holder and offered no help for the victim. I have tried numerous times to contact the fraudsters but they now refuse to communicate since they have my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I was denied credit and received a copy of Experian credit report. It showed an open balance with XXXX, XXXX of {$440.00}. I know I paid this account off. I called XXXX and that said my account was transferred to XXXX, XXXX. 
I called XXXX, XXXX. They told me my account was paid in full and they will send me a receipt. I put in a dispute with Experian while I waited for the receipt from XXXX, XXXX. 
On XX/XX/XXXX, Experian said they finished their investigation and XXXX said the information on my credit report was correct and I stilled owed {$440.00}. The disputed item remains on my credit report with out any changes. 
I submitted a second dispute with Experian and provided a copy of the receipt from XXXX XXXX XXXX showing that my account with XXXX  was paid in full by their authorized collection company. 
On XX/XX/XXXX Experian sent me my dispute results stating XXXX, XXXX said information on my credit report is still correct. I owe them {$440.00}. the item will remain the same. Yet I have a receipt firm XXXX, I spoke to an XXXX  Rep and they all told me I do not have an open account with them nor do I owe them any money. My account is paid in full.

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 2020-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
THIS IS NOT A DUPLICATE-Citibank is reporting inaccurate information to all three major bureaus. They responded to a previous CFPB investigation stating that the information was correct. The past due history is showing for XXXX  : past due ( XX/XX/19 and XX/XX/19 ). Equifax : past due ( XXXX ) and XXXX  : ( XXXX ). Under the federal Fair Reporting Act ( 15 U.S.C section 1681 and following ) you are obligated to investigate this request within 30 days and promptly give credit reporting agencies correct information. These negative remarks are damaging my credit. Please promptly contact XXXX, XXXX  and Equifax and any other credit reporting agency to which you have reported and remove all past due history from my file because it is misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have been attempting to work with Navient to obtain a reasonable repayment plan for my student loans. Currently I am under medical/physician care  and have effectively been placed on XXXX   XXXX. In essence, I have not been released to seek either part-time or full-time employment ( see attached physician letter ). Therefore, I have limited financial resources to pay my debt obligation. I have consistently contacted ( mostly by phone ) Navient to request relief and/or to make payments under the current arrangement. The dates for my most recent phone calls to Navient include, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. Said payment arrangement requires a monthly payment of {$170.00}, which I am unable to manage. When I have called Navient to inquire about alternative options the representatives have literally either told me to liquidate my 401K and pay them {$30000.00} to settle the account or that regardless of my medical situation that the loan has to be repaid. I have essentially experienced extremely rude and uncooperative behavior from the representatives. When I have requested assistance from a manager, the manager only recommended that I seek financing elsewhere to satisfy the debt. Again, due to my medical condition this is not a viable option.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
Im very confused as to how my payments have been applied to my account, and the information being provided by Advance Financial is intentionally confusing and misleading. I will receive a statement in my email saying my minimum due is a small amount like XXXX dollars, but their website says its over {$1000.00}. I understand my loan is past due and have been making a regular payment every two weeks to pay down the balance, but its like those payments arent being reflected in the past due payments or the principle amount. My receipts never break down where the money is going to. Honestly I think Im just making a payment every two weeks until I die to only avoid my bank account getting levied without notice, which apparently is in the fine print. The company wont explain why my biweekly statement will say I owe {$15.00}, make a {$25.00} payment then be two more weeks past due. If its a line of credit and my interest rolls over, why doesnt my minimum payment recalculate like any other line of credit and just show Ive missed a month? Why am I still missing payments? Why are my payments not paying down my loan? Where are my loan documents? 
Ive tried calling the company to no resolution, but despite being located in Tennessee, Ill get 5-10 calls from out of state numbers a day spoofed by this company reminding me of my payment, which Ive made. The companys representatives are kind, but the information they are given is incorrect and the help they try to give is therefore useless. I was told last XXXX after losing my job that if I let my loan go even more past due, at 45 days every payment I would make would be matched by the company. That never happened. I stopped accruing interest at 90 days, but once my loan is caught up to 90 days past due itll be accruing once again, which I found out from a former employee, but never informed of by current workers. Ill ask to speak to managers, compliance managers or employees, and the legal department and will be flat out denied. My information will never be forwarded over. Honestly, it wasnt until I spoke to lawyer and informed them that they started working. I absolutely believe that underneath their polished exterior that this company is not complying to legal guidelines, and if this has happed to me, it must have happened to others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2020-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
On XX/XX/2020 I contacted exeter to inform them that a payment will be sent in full to them of for the balance. We paid {$7600.00} for the remaining balance of the vehicle to be paid in full. They said they had not received it. On XX/XX/2020 we had confirmation that it was delivered. When I contacted the company on XX/XX/XXXX they advised that it would take less than 48hrs to process. I called back on XX/XX/2020 and asked if there were notes it was received and they said no to send an email with the tracking information and someone would respond within 24hrs. I had not received response. On XX/XX/2020 I called and was advised because I did not have the check number she couldn't help me. I asked to speak to a supervisor who advised all the information provided was false and it takes 3-5 business days. I had received two different payoff amounts but off which we had overpaid out of our own pocket. We received notifications that our credit score was reduced by almost 60 points because the account shows closed instead of paid in full. We did not close the account we paid it off out of our own pocket. Exeter should have placed the accurate status of the account and failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a Wells Fargo checking account for the {$400.00} bonus the bank offered. I have spoken to many bank officials to make sure that I completed the offer, but now I've been told that they can't find my offer. I spent an hour with a Customer Service Representative last week who got on the phone with Corporate and was unable to find out any details, let alone, when I was to receive the {$400.00}. I feel like I've been lied to and and misled, it's worse because I can imagine the hundreds of thousands of customers duped across the nation. I can not let this stand.

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