vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: VT

Complaint narrative:
American Express - I'm being charged way too much interest on my American Express Blue Card - the rate is 24 %. 

My credit score is above 740. 

I make all my payments on time. 

I use the card and pay it off in full each month. 


I have made repeated requests via phone and chat to have my interest rate lowered and I'm denied each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank NA had been performing a series of unfair practices strictly regulated by your agency. The most recent one was a NOT authorized hard credit pull on my XXXX on XX/XX/2019. I disputed with XXXX XXXX this info to ask them to show my written authorization which they failed to do so since I DID NOT authorize in any form to Citibank to request a hard copy of my report to XXXX XXXX  or XXXX never did that since Citi also lowered my max amount allowed on credit card ending in # XXXX making to drop my score from the XXXX to low XXXX. Citi has continually arbitrary practicing this unilateral practices and this one most recent on XX/XX/XXXX pulling credit making to appear a hard inquire instead a soft when they have the authority to do Citi took the wrong path and with no written or verbal authorization did this inquire that will be -for non sense- in my report for 2 years affecting credit for my future. With the hope Citi may follow regulations by Consumer Financial Bureau I'm reaching out to you. Looking to solve this issue soon.

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 2019-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA

Complaint narrative:
They didnt send me a validation letter 5 days after the first call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
I received an email saying I was accepted by XXXX XXXX for {$8000.00}. I called the number and gave my information such as bank and social. When it was time for the loan they were going to deposit {$1700.00} in my account but I needed to send it back via gift cards. Lucky for me my account is on the minus XXXX. So they put {$960.00} in the account to make positive but theres a {$700.00} on hold to take out the would make the account - $ XXXX he told me that it was going to take 1 hour to process due and I asked if I should call back tomorrow. He said yes and that I would have to get gifts and send them as proof. So Im minus XXXX with XXXX in my account while thats a {$700.00} pending amount to be taken out

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 2019-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: SC

Complaint narrative:
I have a consolidated loan from 2010 that is in repayment and I didnt want repayment stopped when I enrolled in XXXX. I completed a form as such. I recently found out they applied that to another loan that was in deferment while I was attending school which there is a recording that I stated only on the 2010 loan consolidation. I have tried for several months to get this corrected with them and there have been a flurry of phone calls to them and Everytime I call there has to be another form completed with another department but it is causing creditors to drop my credit and my credit report has taken a serious hit. When I called today, I challenge you to listen to their recording as they said there is no one that I can call to complain and they say I just have to wait  another 30 days. This has been going on since XXXX and it's unacceptable that an agency can cause this much disruption to an individual 's life. Several reps stated it was the agency 's fault and, Ordered the paperwork and stated it was a simple electronic process to the credit bureau. In today 's age, this should not be allowed to fall through the cracks and they should do what they said in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I no longer have possession of the XXXX XXXX XXXX XXXX. The vehicle was sold for XXXX in which the car is worth & the XXXX also was credited {$2300.00}. Since XXXX they have been reporting on my credit as if its an open loan and past due. The sent me a letter out of retaliation for filing a complaint using threatening language to continue to harass me. They are now claiming I owe {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: GA

Complaint narrative:
I have two accounts on my credit report that should not be on there, I am been working on these two accounts for months and Equifax has not investigated them or send me any information on these two accounts that they are reporting. Neither of these accounts even include the name of the third party creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/2019, I tried to lift my credit freeze from Experian, So that I may purchase a house.In trying to the log and failed. And appeared a letter stating that I would have to mail in a request. Which on XX/XX/2019 I did hear it is XX/XX/2019 and Credit freeze has still not been lifted and no results numerous attempts.

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 2019-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I tried closing my account at PNC Bank. I withdrew my money and started an online chat with their customer service to close the account. Apparently the account was not closed and I was charged a {$25.00} fee the next day because the account went under the required balance. 

After realizing the situation I called PNC on XX/XX/XXXX and they refused to credit by account for the service charge and also refused to close out the account. They also said I would continue to be charged {$25.00} a month as the account can not be closed with a negative balance due to the fee I was charged by them not closing my account in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Mortgage LLC
State: WI

Complaint narrative:
On XX/XX/2019 my husband and I applied for a loan to buy a house with an FHA XXXX loan through XXXX XXXX at Finance of America. At that initial meeting, I was told I was pre-approved and to start looking for homes. On XX/XX/XXXX, a pre-approval letter was sent to my realtor and we received an accepted offer to purchase a home. On XX/XX/XXXX, XXXX was sent a copy of the accepted offer with a close date of XX/XX/2019. Over the next few weeks I stopped by XXXX office numerous times to check in and I was assured all was on track and he had what he needed to complete the transaction. On XX/XX/XXXX XXXX sent an email out to the realtors asking for a 45-day extension as he was unable to complete the loan and he needed to switch financing for our loan. on XX/XX/2019 we received our first set of disclosures from Finance of America dated XX/XX/19 there were two sets of the same paperwork sent to us. This set of disclosures was for a standard FHA loan not the FHA rehabilitation loan we applied for. There was no communication or explanation of what was going on with our loan. Looking back on our pre-approval letter the information doesn't match the loan we applied for either. We now have had to seek financing elsewhere and hope that we can get an extension and not lose this house or the earnest money we put down. This has caused us a great deal of stress and we are now rushing to get a loan for our family, when we started this process back in XXXX of this year. I am attaching some documents that we received during the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover we XX/XX/19 Discover Financial XX/XX/19 All credit inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: GA

Complaint narrative:
There was an error on my credit report due to a past divorce. Disputes were opened with all 3 credit bureaus on XX/XX/2019. 

On XX/XX/XXXX I received notification that the dispute was completed and attempted to access via the online portal. Error messages were present that the " Service was unavailable ''. I attempted to access on XX/XX/XXXX and got the same result so I called their customer service line. 

I was told by the customer service rep that the dispute was not completed but canceled due to the documents not being present. I uploaded the document via their web page, and they have subsequently lost them. These documents contain large amounts of PII for both myself, my child and my ex wife. When I asked to have the documents tracked down and verified where they went I was told that they do not have a security division or cybersecurity department. 

They then informed me that the dispute wasn't opened as a dispute and was not completed, despite getting emails saying the dispute was completed. 

Overall I have deep concerns about the security of my documents and the lack of care to correct my credit report. 

I can provide a call recording of the interaction if requested

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I opened a home depot credit card account when they sent me an offer for 1 year free from interest but I never received a year without interest. They began charging fees and fees. I closed the paid the balance and closed the account and they still charged me fees. Even today they send me bills which I refuse to pay. Sincerely, 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 monetary relief
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX had been performing a series of unfair practices strictly regulated by your agency. The most recent one was a NOT authorized hard credit pull on my Equifax on XX/XX/2019. I disputed with Equifax XXXX this info to ask them to show my written authorization which they failed to do so since I DID NOT authorize in any form to XXXX to request a hard copy of my report to Equifax XXXX or XXXX never did that since XXXX also lowered my max amount allowed on credit card ending in # XXXX making to drop my score from the 600 to low 500. XXXX has continually arbitrary practicing this unilateral practices and this one most recent on XX/XX/XXXX pulling credit making to appear a hard inquire instead a soft when they have the authority to do XXXX took the wrong path and with no written or verbal authorization did this inquire that will be -for non sense- in my report for 2 years affecting credit for my future. With the hope XXXX may follow regulations by Consumer Financial Bureau I'm reaching out to you. Looking to solve this issue soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
First Federal Credit XXXX XXXX XXXX. # XXXX XXXX, Ohio XXXX These people are debt collectors. I disputed a bill from a XXXX for charges they allege were not included in the payment they received from my insurance company.

I was refused treatment by this provider and they made an insurance claim anyway which was paid and are seeking additional money from me.

The debt collector reported to the credit rating agencies a " debt in collection '' which reduced my credit score by 31 points.

I called the debt collection woman and she said she could do this even if the debt was disputed. That's not my understanding. 

I just kow tow downed to their questionable legal blackmail and paid the {$110.00} to reinstate my good credit rating. 
The creditor they are stating who they are doing the collection process is not the doctor that I saw these people here are not even in the state. They got me confused with someone else and they damaged my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
In XX/XX/XXXX I filed the same complaint, and you guys had it resolved less then a week. I've been told by TD Bank that my payments dating back to XX/XX/XXXX were being applied to principal and not interest while charging me for late fees, making it impossible for me to ever catch up on my payments when the whole thing is their fault AGAIN!. I contacted XXXX XXXX XXXX who told me in XX/XX/XXXX that he would handle this personally if I had any problems moving forward. So he tells me he no longer has my account and assigned me to a XXXX XXXX XXXX - XXXX XXXX and XXXX XXXX while I'm working with XXXX XXXX at the local branch who then gave me XXXX XXXX contact information at my request, are you following me so far? - They are giving me the run around. I have also attached some important supporting documents. I was so stressed last time I ended up going to the hospital only to find out I had XXXX  XXXX XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 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: CA

Complaint narrative:
They wont remove hard inquiries that I didnt have knowledge of and wont remove my late student loan payment when I was in forbearance

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 2019-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My issue is with TransUnion dropping my score 28 points without proper explanation. I received an updated score today XX/XX/19 and my TransUnion score dropped 28points whereas my XXXX report increased 29 points and my XXXX score also increased. When I asked TransUnion to give me an explanation of the large score discrepancies, they claim it is because I opened a new account and had 1 late payment. The same information is on all 3 reports, yet TransUnion is the only company reporting a low score. Their score 82 points lower than my highest score! It is beyond frustration and unfair that these companies can get away with ruining our lives without explanation or a standard calculation system. I have the right to have a detailed explanation, including specific numbers and how each item on my report is scored. This blind reporting has got to stop.

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 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was reconciling my bank account today XX/XX/2019 and found that I found charges of {$4.00} on XX/XX/2019, {$19.00} on XX/XX/2019 and {$19.00} on XX/XX/2019 from EQUIFAX. I had no idea what these charges were for so I called EQUIFAX and spoke with XXXX or XXXX in customer service. She stated that I signed up for a credit monitoring plan for an introductory of {$4.00} and {$19.00} thereafter. I told I did no such thing and that I only signed up with XXXX   not EQUIFAX. She said they will cancel my account and my last day will be XX/XX/XXXX. I disputed that and said I did not give permission to be enrolled in this plan, it was done without my knowledge and without my consent and I wanted it cancelled as if never in effect and I want my funds back. She transferred me to her supervisor XXXX and he stated that because the security questions were answered correctly, which consisted of my name, phone number, email and my dogs name, that he would not authorize the refund. I told him I was going to file a complaint because I never authorized these charges and I confirmed this call center is not in the United States which is of great concern for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Greetings, I called Wells Fargo this morning as soon as I got back from my cruise due to several charges that they charged me on my debit card that was on file with XXXX XXXX. I told the agent that those charges on my account was not authorized by me and they had no authority of charging my account for entertainment services that I did not authorized. I played in the casino without my card and I took a picture so they can see that my card was not inserted in the machine and that it is wrong and fraudulent from casino to charge me. I was not the only individual that went and complained to the casino. When I went to guest services they said that they have nothing to do with the casino and that I need to pay them the balance which was {$310.00}, so I gave them {$400.00} cash and my balance with them was XXXX with a credit of {$85.00} Then yesterday XX/XX/2019 when I opened my app I noticed that I have a balance of {$1200.00} so I went back to the guest service desk to ask what happened so they sent me again to the casino, when I got there I showed them the only money I ever took was from my own winning and I enclosed a receipt for you to see. They told me that the money is just on hold and that there will be no issue. 
So this morning I called Wells Fargo ASAP and filed a dispute and the first agent was very nice to help to resolved this issue then she transferred me to a lady at the dispute department by the name of XXXX that started to listen to my issues and then started to tell me that the bank can refund me the money however that they are going to reverse it again because XXXX is going to deny the charges. I have been with Wells Fargo for more than 4 years and never an issue beside one time when one of their agent was very rude towards me and my mother at a branch and the branch manger resolved the issue by bringing me in. So I now I feel that Wells Fargo should protect me as a customer and a military individual and fixed this issue and help me get back my money as they can see the money was deposited by the military to pay my wifes school and my trip was paid for everything by the military travel.

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