vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-04 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: CA

Complaint narrative:
On XX/XX/XXXX I made an online payment of {$1600.00} on my credit card. At that time the previous Balance was {$1300.00} and the open balance was {$1600.00}. So I made a full payment and the card balance should reflect a {$0.00} balance. The following month I received a statement with the balance of {$18.00}. It seems I got billed interest on the card with no balance at all. I was thinking it is an error on the bank 's part and did not pay the bill. On XX/XX/2022, I received a notification that my card balance is XXXX. I contacted support via chat and they explained the charges. Interest rate $ XXXX late fee $ XXXX {$37.00}. They also confirmed that they waived the charges and it should reflect on the next billing statement. 
The same day, on XX/XX/2022, right after chatting with the support, the credit card company lowers my credit limit from {$1400.00} to {$300.00}. 
On XX/XX/2022, around XXXX I contacted the bank to get a clarification on why my credit limit was changed. XXXX who was on the phone told me that the only fee that was waived is the late fee and she will remove the interest fee. I asked for confirmation but she didn't provide it and told me that I should receive an email confirmation that all fees are waived and the balance on the card is zero. Also, I asked to discuss the credit line issue and she transferred to the credit department. XXXX ( ID # XXXX ) explained that the credit was reduced because my credit score was changed. Since he could not help I asked to speak to a supervisor. XXXX ( Id # XXXX ) was telling me that all the charges are correct and one of the factors is that credit was lowered because of the past due amount. After mentioning to XXXX that " I won't be surprised if you close my credit card after this conversation, she responded that due to your request we will close the card ''. 
This is how credit cards are helping hard working people trying to pay off their debts in these hard economic times. 

The bottom line is 1 ) I paid off my entire credit card debt. 2 ) After paying on time, I got billed additional interest, a late fee, and the credit line decreased. 

The actions of the employees are very unprofessional, rude, and ridiculous.

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 2022-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: DE

Complaint narrative:
I recently checked my credit report and noticed that this company Axcess Financial ( Axcssfn/Cngo ) is reporting derogatory remarks on my XXXX credit file. I attempted to contact the company circa XXXX XXXX to validate this alleged debt and i received no response. I consider this to be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
Fay Servicing is blocking me from getting access to government modification programs to help me save my home from foreclosure. I have tried to work with them and sent them payments in XXXX and XXXX but they send them back to me and don't give me a chance. They reviewed me for modification in XXXX after I had been in Covid forbearance program but told me the income was too low, but they did not have the right information. My financial circumstances have changed and I can afford a fair payment to fix this problem but they don't care and move forward with foreclosure on XX/XX/XXXX. I have this home for 20 years and never have problems with payments until hurricane in XXXX and I fall behind. I talk to XXXX XXXX about this and they understand but told me that I have to get into a plan with them to fix the problem and when I try to do this the loan gets transferred to XXXX. I try to fix things with XXXX and have a job plus my graphic design business and start working with them but then the loan gets transferred to Fay Servicing. I ask for help but they tell me I need to wait a couple months to apply because they need time to set me up in their system. Then I lose my job at event planning company because of Covid and tell Fay and they give me 6 months forbearance through government program. After that ends I have a new job as customer service agent and apply for help but they tell me I do not qualify and say because I have equity in my house they won't work with me. This was a XXXX XXXX XXXX I don't think that is a XXXX XXXX rule. I apply again in XXXX but this time they say sorry, you do not have enough income for any programs, but when I ask what income they tell me the wrong number which is much lower than correct income. Then they try to sell my house at foreclosure and I had to file bankruptcy to stop them. 

I have owned this home for 20 years and I am very proud of it. I refinanced in XXXX into 15 year loan so I could pay off faster and never had a problem with payments until the hurricane comes in XXXX. Yes I am sorry I miss the payments but business in XXXX was wiped out and I could not do anything for a few months. As soon as I am doing OK I try to fix this but then the loan goes from XXXX XXXX to XXXX  then to Fay Servicing. Then I have problems with Covid and lose my job. I am doing fine now and my income from customer service job and my graphic design business is dependable and I can afford a fair payment if they will work with me. Why do they block me from help? Why do they set a new sale date for my house? Why do they do this on a XXXX XXXX loan? One agent says the loan is not with XXXX XXXX  anymore but now private investor, how can a XXXX XXXX loan get sold to a private investor while it is still active? Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX I traded in a XXXX XXXX XXXX. After speaking with the dealership XXXX XXXX located in XXXX XXXX Utah they cut a check for the payoff amount on XX/XX/XXXX. I have attemped to resolve the issue with XXXX XXXX and Chase Auto loan on mulitple occasions. Chase Auto Loan has told me on the phone that they are extremely understaffed and that the Auto Loan payoff is NOT going to happen any time soon. This is unacceptable. The car will be sold to a new buyer and put under a new loan before mine is even paid off. As of today XX/XX/XXXX XXXX calendar days have passed and 15 business days. This is a problem for Chase bank and their staffing shortages. It will negatively effect my credit and nothing is being done about it. Again, the response is unfavorable from Chase!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We have had an XXXX XXXX XXXX credit card issued by Bank of America ( BofA ) for the past 5 years. In XXXX of each year, BofA assesses a {$75.00} annual fee for the use of this credit card. One of the benefits provided in return for this fee is, " Purchase Benefits, '' which includes purchase security and warranty manager service. Warranty manager service includes, " Extended warranty protection. '' Extended warranty protection is described in the Cardholder Benefits Guide and states, " Extended Warranty Protection doubles the time period of the original manufacturer 's written U.S. repair warranty up to one ( 1 ) additional year on eligible warranties of three ( 3 ) years or less for items purchased entirely with your eligible card. '' On XX/XX/XXXX we used our BofA credit card to purchase a gas oven from XXXX 's. The purchase price was {$1500.00}. The oven had a written, one-year manufacturer 's warranty. On XX/XX/XXXX the oven 's electrical system ceased to function. A repair company assessed the damage and repaired a faulty electrical wiring harness at a cost of {$500.00}. We submitted our original sales receipt to the third party warranty service provided by BofA, XXXX in XXXX, TN. We also submitted a XXXX 's account statement describing the purchase of the oven as well as the XX/XX/XXXX credit card statement showing the purchase at XXXX 's in the amount of {$1500.00}. XXXX has refused to reimburse for the repair, stating the sales receipt was illegible. The sales receipt was completely legible and I sent photographs of the receipt as well as computer-scanned images of the receipt. XXXX 's claim of illegibility is completely false and unethical. This company should be thoroughly investigated for fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
The American Express bank, WILL Not let me into my savings account, because of a Canceled unpaid American Express XXXX Credit Card, That was supposed to be reported lost and or stolen, so that I can still access my savings account. The customer service Person on the phone say 's that the account has been closed and refuses to allow me the credentials needed to login to the account. I tell them can I take money from my savings and pay the canceled credit card that way, just to be fair? And they still act like they can not even do that because they may or may not really work for American Express. 

One of them sounded like a foreigner and the other sounded like a XXXX. 

Ive got XXXX XXXX dollars worth of savings insurance with this particular account, and It may seem XXXX to regular working class people but there is no way a foreigner or XXXX would ever be able to access and dole out my XXXX XXXX dollar insured savings account to me. PLease help me with this problem because it was nearly the only bank that I could find that had any kind of Savings insurance to brag of. On top of that I invested and sold Stock for the company of American Express and have used the bank as a personal bank since 2004. I demand this problem and issue with a XXXX and or foreigner getting their little poor foreign XXXX feeling hurt over big and rich XXXX XXXX. XXXX XXXX XXXX from XXXX and XXXX bankers association would call that a small personal problem, that they have no problem fixing directly for you. If you do not resolve this problem your going to need an expensive business Lawyer to match wits with a XXXX business Lawyer of XXXX XXXX Choosing and be Sued and held liable for causing personal Problems with XXXX XXXX finances and Home Marital Life. He does not care one bit about some XXXX XXXX or foreigners feeling that they feel so small compared to the tycoon. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America- collector As of XX/XX/XXXX, Bank of America sent a payoff letter to XXXX XXXX XXXX in order for us to refinance our car loan. The title was transferred and the account was paid off. As of XX/XX/XXXX, Bank of America reported to XXXX that my account was closed. A couple weeks later, Bank of America sent me a check for an overpayment of around {$500.00}. A week or so later, they are claiming that they weren't overpaid but underpaid by {$500.00}. Now a few months later, they are reporting me to the credit bureaus saying that I am missing loan payments, when I have had a perfect repayment record. If my account was paid off and they sent me funds, I am not sure how they can charge me interest on a loan that was previously paid off. 

In XXXX, I attempted to call BofA to get more clarity on the situation. The automated service would only let me be transferred to a live person ONLY if I knew my full account #. On the letter they sent me, it only includes the last 4 of the account #. And because I didnt know the full account number, the system would hang up on me. After two more attempts I gave up. 

On XX/XX/XXXX, I was finally able to speak to someone on the phone who was not helpful and would only tell me I owed them money without giving me a full accounting of what happened and how I still owe them money. 

This is just corporate abuse. I would love someone to reach out to me and tell me how you can charge interest and fees on a loan that was 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 explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP
State: NE

Complaint narrative:
Called Perdue Brandon Fielder Collins & Mott LLP and tried to change my address so that they stop mailing letters to my old address and annoying those tenants. They can't find me in their system and they refuse to help me. I couldn't even pay the debt if I wanted to because they can't look me up. They've been mailing me letters for 20 years now for a trumped-up ticket in XXXX XXXX that I've tried unsuccessfully to settle multiple times. Stop harassing me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
We moved from our house back in XXXX due to foreclosure. i see the credit card used was going back i believe to XXXX i have had many cards issued that did not pertaining to me and were identity theft going back to XXXX. This debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account #. XXXX has violated my rights 15 U.S.C 1681 section 602 A states i have a right to privacy 15 U.S.C 1681 section 602 A section 2 : It also states consumer reporting agency can not furnish an account without my written instructions

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 2022-04-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account #. XXXX has violated my rights 15 U.S.C 1681 section 602 A states i have a right to privacy 15 U.S.C 1681 section 602 A section 2 : It also states consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Alliance One, Inc.
State: OK

Complaint narrative:
XX/XX/2022 Alliance One in XXXX XXXX Washington posted a {$280.00} debit to my checking account at XXXX XXXX XXXX XXXX and I am not a client if theirs in any way, I do not owe any collections to this company or any other nor have I. I also have never received any form of communication from this company ever and somebody has used my info to pay their collection agency debts and I have no idea who that would be as I am a widow with no obligations. I contacted this company in XX/XX/2022 and they would not let me speak to a supervisor nor the fraud department ( said they dont have a fraud department or any attorneys I could speak to ) and they wouldnt help me at all without me giving them the last 4 of my social security number and the last 4 of my debit card and I absolutely declined to offer my personal information. I did however offer my name and address and they refused. I dont even know if whomever fraudulently used my info used my ( stolen ) card number info or used a ( stolen ) check or made a fraudulent transfer using my ( stolen ) info or if its a hacking, so I refuse to give them my personal info. Please help I am on a fixed income and these people are stealing money from people that are not affiliated with them in any way. Again I am not a client of theirs or any collection agency and have never been. Also checked all three credit reporting agencies and this company nor any collections companies are on my credit. I have excellent credit and it must stay that way. Ive contacted my credit union fraud department, the XXXX  and now I will be contacting the attorneys general in both Oklahoma and Washington state and I am filing a police report and am considering hiring an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage Taking advantage of XXXX 's during COVID. They are deceieivng their customers who have been accepted into the FHA Covid relief streamline program. They are not executing customer contracts in a formal and timely manner XXXX I was accepted in Freedom Mortgage Streamline program, FM  send out formal documents to be notarized however due to clerical errors needed to be re done. 
XXXX I am still waiting for formal documents to be done for my streamline loan.? 

FM has asked me to make mortgage payments for XXXX XXXX, in the amount that was agreed to on Docs from XX/XX/2021. ( i made those payments ) As they told me if I did not I would be kicked out of program?? However docs have never been notarized nor sigend, due to errors on Freedom Mortgage part. 

Fast foward to XXXX Still waiting for formal documents to be sent out. Nothing from FM. They keep telling me docs have been ordered and any day I should receive them? FM informs me that I now have to make an XXXX payment or I will be kicke out of loan program. 

All the while this has been going on my back end loan amount continues to acrue, so my overall loan becomes greater and greater evern though I am making monthly payments?? I have called, contacted, written this company numerous times since XX/XX/2021, and not one single person CEO included can inform me of when I am supposed to recieve my updated loan documents. 

How can I be waiting over 7-8 months for them to send me out docs. 
I am writing directly to this organization, in the hopes that they can help resolve this issue for 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 2022-04-04 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:
Hi I am submitting this XXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-04-04 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: FL

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 2022-04-04 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:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation