vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-26 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:
On XX/XX/XXXX I called XXXX XXXX XXXX credit card customer services regarding 2 fraudulent charges to my card made at the store Home Depot on XX/XX/XXXX ; one for {$520.00} in XXXX XXXX XXXX, FL at XXXX XXXX and another charge for {$99.00} in XXXX XXXX, FL at XXXX XXXX. The customer services department informed me that I will get the money back to my account in 48 hours, send me replacement card and report the case for investigation. 
On XX/XX/XXXX the credit was adjusted to my account and I received new credit card replacement. 
On XX/XX/XXXX I check my credit card balances on line and these 2 charges were back to my credit card. I called to the fraud investigation in very disrespectful way attitude the supervisor told me that I have to pay because my card was used and that card can not be cloned. 

I drove to the store and requested the receipts and immediate saw wrong card expiration date, and these purchasers were done when I was working. I have proof of that and early express that I was in possession of the credit card ( the card was not stolen or lost ) and is not joint card holder or authorized user. 

Today, XX/XX/XXXX I received a letter from XXXX XXXX XXXX, states that I will be responsible for these charges and if the minimum payment is not made will be reporter to XXXX, XXXX and XXXX XXXX. I have proof and support that I was working by the time of the charges and I have possession of the credit card. Also I mailed certified letter to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX with all the supports.

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 2019-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Direct Recovery Services, LLC
State: KY

Complaint narrative:
The Company is Direct Recovery Services and they are calling for my ex husband they had called multiple times and then sent me a text message to my phone that I did not authorize on XX/XX/XXXX telling me to call XXXX. I did call on XX/XX/XXXX at XXXX and the lady when I told her to not call my number anymore was rude and hu on me so I called back to make sure they do not call my phone anymore and the gentleman advised me he would do so. Then I got a phone call that afternoon from XXXX. I called back and the man stated it was a curtosy call to advise me my number had been removed and I shouldn't receive anymore calls. The phone calls did stop for a while and then I received 3 phone calls from XXXX one was on XX/XX/XXXX at XXXX XXXX and 2 calls on XX/XX/XXXX on was at XXXX XXXX and then XXXX XXXX. They left a voice mail on my phone stating it was ugent I get ahold of them as soon as possible. I called back on XX/XX/XXXX at XXXX XXXX and spoke with a lady who informed me my account was removed from the account on XXXX however they are still calling me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Suntrust Bank had a promotion for new accounts. it was {$200.00} after depositing {$1500.00}. After I Contacted them they claimed that I did not provide a promotional code. That is not true. The promotional code was auto populated in the window. there was no way to add the code. The field was grey with the promotional code already entered.

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 2019-03-26 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I had sent in a complaint concerning my account. This account is closed but XXXX is still showing late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I closed my savings account on XX/XX/2019 By filling up a withdrawal slip writting the date and {$1000.00} and XXXX XXXX XXXX  XXXX and signed it on the spaces provided. The teller however asked me to sign another slip of paper and did not used the withdrawal slip that I gave her. Please let me know what happened to my withdrawal slip that I gave to the teller and the slip of paper that the teller asked me to sign. What is the slip of paper the teller asked me to sign? 

I did not receive a letter from the bank informing me that the account is closed. Please send me the letter informing me my savings account was closed when I withdrew the balance of the account of*** XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX. 

Thank you. 






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 explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello, On XX/XX/2019, I applied for a line of credit with Regions bank for {$40000.00}. The home does not have any liens associated with it nor does it have a mortgage. I was declined for the line of credit due to my credit. However, I met the score requirements and the other requirements for approval. Furthermore, I contacted the mortgage division through phone and the rep stated " The amount of the loan was too much for my property. '' No one did any comps on a property in two hours in order to make that determination in such a small amount of time. My banker even responded with a lower number, the underwriter still did not approve it. Once again the banker and the mortgage division rep stated the same thing, " it's your credit. '' It's no way my credit was an issue, because I met the requirements. I truly believe Regions declined my line due to the fact I was XXXX and staying in a predominantly XXXX area. The fact that the underwriter did not respond with a lower number, further lets me know something is not right.

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 2019-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I had sent in a complaint concerning my account. This account is closed but XXXX is still showing late payments.

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 2019-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
You are just as bad as Trans Union. I filed a complaintXXXX. You closed the complaint before Trans Union did anything. Then, Trans Union ignored the complaint and and did nothing. Trans Union is the only credit agency that will not close the XXXX XXXX account that has been discharged and closed in XXXX. My credit score continues to be not as good as it could be because Trans Union will not close the account. And CFPB has done nothing to help me. Thank you for nothing!

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 2019-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have been trying to get PMI removed for the last 2 years. According to my Loan profile the only requirement is LTV of 80 %. I reached that 2 years ago. I have tried every year to get rid of it. Each year they give me a new set of requirements. No where on any documents that I have says Wells Fargo can require an appraisal or broker opinion by one of their affiliates for which I have to pay for. I have a credit history in the XXXX. I was a customer for this loan and others with Wells Fargo for years and never late on a single payments. You can go to low estimate on XXXX {$160000.00} and still have a LTV of 80 % or at XXXX comes in at a higher of {$170000.00}. I have asked repeatedly for the documentation that I signed at closing that states I agreed to pay for an appraisal or pay Wells Fargo affiliate for a Broker Opinion. They have for the 3rd year been unable to produce any documents that meet this requirement. However Wells Fargo will get rid of the PMI if I refinance with them, pay them for an appraisal, or pay them for a Broker Opinion.

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 2019-03-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I purchased my home and a lot in XX/XX/2001 for {$350000.00}. I put down 77 %, I financed {$80000.00}. 

I have refinanced and modified my mortgage. The big problem started with the loan from Countrywide. They added {$200000.00} to my principal Balance then Assigned it to Bank of America. Bank of America put me on a trial period for 18 months. Denied the loan modification and had the current loan servicer XXXX modify the mortgage. 
XXXX added another {$350000.00} to the mortgage and made it for a balloon payment after I pay this mortgage for 30 more years!. Both Countrywide and Bank of America has caused me tremendous equity loss and opportunities. They threaten my existence in my home. They said that if I didn't sign the mortgage that they would foreclose immediately. I believed them because I have seen it. They are trying to foreclose on my house and my lot. They didn't serve me and were trying to just have the court rule on the papers. I found out by receiving the papers in the mail a few days before and requested an Adjournment. 
Now, I have been asking XXXX for the reinstatement amount to bring my mortgage current after a few months. The Bank is trying to foreclose on my home and lying about having an interest in my lot. They have no interest in my land. When I took out the Countrywide and Bank of America loan, I continued to pay my own lot taxes. Please see attached tax account details from my Towns Tax Office. I have had the title in my name only not theirs ever. Their Title excludes my lot. 
I have to fight them in court now. This has been the most disturbing thing in my life. I can't do a lot of things because of the bogus loan amounts. 
I have a buyer for my lot and this is causing harm to the transaction. At this point, I should have my home free and clear along with {$200000.00} to fix it up. it's truly a shame that a Bank can be allowed to place any amount on a mortgage and then lie about the process and try to take property that isn't theirs. 
I hope and pray that you get the lenders to forgive the loan in it's entirety due to their abuses.

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 2019-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: GFS II, LLC
State: MI

Complaint narrative:
The vehicle I purchased under duress of financial hardships that could result while not having transportation to support my family including my, at the time, 2 year old son and my lady also with child at the time of purchase. After driving the vehicle I noticed the check engine light on which again because of my situation was overlooked because of the situational hardship and the need to aquire a vehicle to continue being a provider. Upon further inspection of the vehicle after the somewhat calm I experienced after knowing I had a vehicle again after signing loan documentation things became worse. Being an at XXXX  XXXX, a XXXX XXXX XXXX manager for XXXX XXXX XXXX, having personal shop experience, and coming from a family background of car repair and enthusiast individuals, I dug deeper to find that the soundness of the vehicle with which so much was at stake as the vehicle was used in transporting my pregnant lady to and from appointments and young son was not good. After my initial evaluation that was discussed over the phone with Gateway Financial 's representatives it was concluded that there were multiple suspension issues including inner and outter the rod end that reached the end of there life span, bad CV axles, bent rims, check engine diagnostics ran representing codes explaining that the intake and exhaust valve actuators weren't performing correctly or bad as a result of timing advancing because of the wear of the timing chain or set resulting in its advancement and the final result of which I was unable to continue payments was the fuel pump quitting completely leaving my pregnant lady and son stranded 30 minutes from our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I had an account with Regions Bank ending with XXXX. I wrote checks to XXXX XXXX in XX/XX/2011and I am requesting copies of those cheeks in the amount of {$1000.00}. I am requesting copies of those checks, because I wrote two for the same amount for two reasons.. 
One was for child support and the other was for bankruptcy. I need copies of those checks sent to me. I also need copies of checks sent to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Payments were made via wire to XXXX XXXX XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2019-03-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
Submitted disputes through Equifax online system. Received email notifications regarding dispute updates, however online dispute check from Equifax will not work. Called Equifax directly, they stated they could not help me. Equifax offers an online dispute resolution service that does not work, and the customer service is not willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I was chatting with an agent online on XXXX about connecting my bank account to withdraw funds from my online wallet. I was assured that any overdraft would be taken care of. I explicitly stated that the way the transactions were being processed, there would be a {$28.00} overdraft fee, and once again, I was assured that Paypal would take care of it. 

They then sent 2 sets of confirmation transactions, which resulted in not just 1 but 2 overdraft fees.

When requesting the transcript as it was not sent to me as it should have been, I've been told by online support to call in, and when called in, I was told to to contact through online chat.

I've been told 24-48 hours now multiple times, and none of it has come to fruition. Support tickets closed without contacting me. Escalations that go nowhere. No departments available, etc. Hours on the phone and online chat that have gone absolutely nowhere to resolve the main issue, which is the lack of transcript being provided. The secondary issues regarding what was in the chat and what the agent said, and as well as sending two sets of transactions through have been either ignored or put aside. 

It has now been a week and the futhest I've gotten is more " escalated '' tickets being created, and an e-mail from a " supervisor '' telling me to call a number I was specifically told not to call again regarding this matter. I have all the transcripts, all the phone conversations, everything recorded. For some reason, the only one that is missing is the one that is in question, from XX/XX/19 from the original chat I was having online regarding linking my bank account. How is that possible unless they are actively blocking me from access?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has remodeled their website since I created my personal account in order to initiate a freeze. The result is that all my all my old account information was literally discarded, but the freeze was kept in place. After hours of customer support from Equifax I was finally told that I need to create a NEW account in order to access my old account. After close to two months of repeated attempts to create this new account I am repeatedly defeated with the following Equifax server error : " We are temporarily unable to connect to our services Please try again later '' Equifax has remodeled their website since I created my personal account in 2017 in order to initiate a freeze. The result is that all my all my old account information was literally discarded, but the freeze was kept in place. After hours of customer support from Equifax I was finally told that I need to create a NEW account in order to access my old account. After close to two months of repeated attempts to create this new account I am always defeated with the following Equifax server error : " We are temporarily unable to connect to our services Please try again later '' Hours upon hours of time on the phone have resulted with repeated incompetence from their support staff and promises to send me emails with shortcuts and special access in order to complete this project. NONE of those emails have ever arrived and none of them show up in my spam filters. The result is that I now have a freeze that can not be unfrozen. This is problematic in that the Social Security Administration uses, specifically, Equifax in order to authenticate who I am so that I can create an online account with them. SSA can't verify who I am because Equifax has my account frozen. I can't unfreeze my Equifax account because Equifax won't allow me to create an account the will provide me with access to that freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Today, XX/XX/XXXX I tried to transfer XXXX American Express Membership Rewards points to Flying Blue, an official partner of American Express. This transfer would not go through and I received a fraud protection alert email from American Express. When I contacted American Express, as they requested in the email, I was told the transfer was " flagged '' and that my account was frozen. I was told that I would have to wait 6 to 8 weeks for my account freeze to be resolved and that there was not a person that I could speak with from that " department ''. That is unacceptable. 

I have 4 different American Express Gold business accounts and I personal American Express account. I have been an American Express customer since XX/XX/XXXX. I have over XXXX membership rewards points and I'm trying to use XXXX of them. Less than 10 %. I'm finally trying to use the awards points I've accumulated over the last 5 years to take my family to XXXX. My flights are on hold but XXXX XXXX won't hold them 6 to 8 weeks. 

American Express representatives ( I spoke with 3 ) claim there is no fraud department I can talk to about this issue. I offered to provide proof the points are transferring to my account but they claim there is no one to speak with. 

I feel that this is a dishonest business practice. You can't offer rewards points to your customers and then block them from using the points with an approved American Express partner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 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: NC

Complaint narrative:
TRIED TO HAVE CONSUMER FRAUD ALERT REMOVED. THEY WON'T DO IT, EVEN THOUGH I HAVE MY PIN AND INFORMATION FOR ALL 3.

THIS IS LIFE THREATENING, I NEED XXXX TO SAVE MY LIFE AND THESE XXXX   REFUSE TO REMOVE THE FRAUD ALERT SO I CAN GET MY LIFE SAVED!

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 2019-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
My account from XXXX for approximately {$200.00} went into delinquency around XX/XX/XXXX and ( I believe ) into collections around XX/XX/XXXX. I paid XXXX XXXX, XXXX {$110.00} as an agreed settlement back in XX/XX/XXXX. However, they have reported back onto my credit reports as a new collection as of XX/XX/XXXX. I need them to remove this from my credit reports as this was paid, as mentioned above, on XX/XX/XXXX. This is reporting as a new collection, which is affecting my score. Again, it is imperative that the company remove this reporting.

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