vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-20 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:
In 2016 Costco ended its partnership with the XXXX XXXX XXXX Credit Card and started a new partnership with Citibank Credit Card. I have and continue to have the XXXX XXXX XXXX XXXX as my daily credit card. 

Citibank opened up a credit card without my authorization or approval or even knowledge and opened it because I had a Costco/XXXX  XXXX Credit Card. I never charged anything on the Citibank Credit Card and never opened it or gave authorization. 

I then started getting statements from Citibank that I owed annual fees and late fees and interest on these membership fees. When I explained that I never wanted this credit card and never gave authorization to open this card and never charged anything on it, I was continually told by Citibank that it was mandatory that every Costco/XXXX  XXXX Credit Card holder had a Citibank Credit Card opened. 

Citibank never budged when I explained that I never gave authorization to open this credit card and I should not owe fees for membership in a credit card I did not want and did not give authorization. 

Well, 4 years later I went to get a mortgage and on the credit card report it says that Citibank wrote off {$67.00} for me and then gave me a 9 ( the worst ) rating to the credit card agencies as punishment. 

This has damaged my credit card statement and is costly in getting a loan. {$67.00} write off and then a punishing 9 rating for annual fees, interest and {$0.00} charges on a credit card that I never wanted, never used, and certainly never gave Citibank authorization to open a credit card for me. 

This is punishing to me, not only was it a nightmare trying to get rid of a credit card that I never authorized, but now I found out that Citibank was vindictive and damaged my credit card report because of this. 

This does not seem appropriate and I would ask the Consumer Financials Protection Agency to start an investigation into Citibank regarding this abuse. 

Please email me with any questions or concerns Thank you for your help, 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 2020-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FISERV FINXACT CORE
State: GA

Complaint narrative:
I received letter Ref XXXX regarding TRS Ref XXXX on XX/XX/2020 but dated XX/XX/2020, that they will not remove debt XX/XX/2020, after my ch XXXX XXXX was converted on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
There was a cash advance on XX/XX/XXXX for {$200.00}. I was charged a {$10.00} fee for same. I was also charged at that time a cash advance fee of {$2.00}. This appeared on my XX/XX/XXXX statement. Once again on my new statement of XX/XX/XXXX, I was once again charged {$2.00} cash advance fee. I called Barclays Bank and was told that I was being charged the {$2.00} because of the XX/XX/XXXX cash withdrawal. I already paid that {$2.00} fee on the last statement. So why am I being charged again on XX/XX/XXXX for a cash withdrawl on XX/XX/XXXX, for which I already paid the fee. I spoke to XXXX who has absolutely no idea what she is talking about and could not answer the question. There is also an additional fee of {$31.00} added to my XXXX statement because XXXX said I didn't make any payments between XX/XX/XXXX - XX/XX/XXXX. However, There were four payments : XX/XX/XXXX for {$1500.00} XX/XX/XXXX for {$2500.00} XX/XX/XXXX for {$2300.00} XX/XX/XXXX for {$1800.00} for a total of {$7100.00}, so why am I being charged additional fees. I am being charged over and over again for fees that were paid already. Unfortunately, nobody at XXXX is smart enough to figure it 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 2020-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
My last statement on the Target Redcard/Store card stated my payment due date is XX/XX/2020 ( please see attached document ). I made my payment on XX/XX/2020then their system automatically generated a late ee charge of XXXX and automatically added to my next payment will be XXXX minimum payment instead of XXXX. This was confirmed by the customer service representatives that my payment always due on the XXXX of each month. The last statement was obviously a computer error but it was not my fault. I called in and spoke the first representative who told me he will adjust the late fee of XXXX and credit account but myXX/XX/2020 payment is still showing XXXX minimum due instead of the XXXX. I called in and spoke to a supervisor XXXX but he refused to adjust my minimum due for the XX/XX/2020 payment. Please help me straighten this out because its not the consumers fault. If it is a computer error Target credit should be responsible for this matter and it shouldnt be at the customers expense. I dont want them to report to my credit file that I have a late payment if I only make the XXXX minimum payment excluding the late fee. My other concern is how accurate they are with their banking system. How do the consumers know if their interest calculation is accurate. Believe me. Im working very hard trying to pay off this card ASAP and close out this account for good. My goal is to get it done by the end of this year. Please take a closer look at this matter and see how many more consumers are affected by this problem. Thank you very much for your help. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-20 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Dear XXXX XXXX, The reason why I am contacting you is to discuss a couple of late payments that greatly affected my current credit score. Through my four leases with XXXX my payments have always been on auto pay so there would never be a situation with me not making a payment towards my lease. If you take a look at my payment history I have never made a late payment and as I previously mentioned I am currently I am on my fourth XXXX lease. Back in XXXX my bank was XXXX  XXXX and when I was notified that they would be transitioning to XXXX XXXX, I decided to change banks and opened an account at XXXX XXXX XXXX XXXX. My account was opened on XX/XX/2016 and this is the reason how I received my two missed payments. Because I was going to get a whole new account this one was not on auto pay yet I then made a one-time payment online in XXXX for my XX/XX/2016 payment. This is where there is a problem ; I set up auto pay and requested that my one time payment be reversed because I could not afford to make two XXXX payments so I was reimbursed the {$340.00}. A few weeks went by and I was wondering why there was no payment for XX/XX/2016 and that is when XXXX XXXX contacted me and said that I did not make a payment for XXXX. I mentioned that I did set up auto pay but I guess I didnt do it right so the agent helped me set it up. The agent then said that auto pay was set up and that my XXXX payment will be my XXXX payment and I would have to make two payments in XXXX that would take care of my XXXX and XXXX and with that I would be on track once again. Now at the time I did not think that would make late payments on my account because I was doing exactly what the agent at XXXX XXXX told me to do. Now when I looked at my account my credit score dropped from XXXX to XXXX. There are no other dings on my account except for XXXX. I was wondering if those late payments could be taken off my credit report because I did exactly what the XXXX XXXX Agent told me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XX/XX/2019- we paid county taxes for {$2100.00}. We did not realize that county taxes are paid by our escrow account. Our escrow account/mortgage company, Mr. Cooper again paid the same county taxes that we already paid for on XX/XX/2019. We contacted Mr Cooper and they contacted the city and they issued a refund to the overpayment from our escrow account to Mr. Cooper on XX/XX/2019. The check was received and cashed by Mr. Cooper. However, Mr. Cooper never put that refund back into our escrow account. The funds are now missing and we've called Mr. Cooper several times and we got a turnaround. We've been in contact with someone from Mr. Cooper but she hasn't gotten us an definite answer. We don't know why they will not refund our overpayment back into our escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
We contacted Chase because of a lost job and difficulty paying the bill. It wasn't actually Chase as it turns out, it was a collection agency, however this was not disclosed. They set up what they called an " installment '' loan. They indicated that if we paid {$130.00} per month till the card was paid off they would not charge additional fees and interest. We set up automated payments, and paid {$130.00} a month for many years. We have a bank statement verifying that no payments were missed ( attached ). When the bills just kept coming and coming we called to find out why. They said that we missed a payment so they cancelled the installment loan. An account of all payments was requested from " Chase '' ( actually a collection agency representing them ), and we requested they send it to the mailing address on file ( not the PO box ), and the address was confirmed. We requested they stop sending mail to the PO box as we never authorized that the address be changed ( this resulted in us not receiving bills for many months ). We know that this account has been overpaid. We need to see an account of all that was paid as it appears they have over-billed and currently we are owed a refund. We believe we were deceived.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I use the Suntrust Bill Payer service for my bills each month. In the spring of 2019 we had fraudulent activity on our check account. I reported this to Suntrust, and they followed normal procedure by closing the account, opening a new one, and promising that all outstanding checks would be automatically rerouted to the new account. I would be free of this responsibility. Since then, every check I paid was rerouted just as Suntrust promised except for two checks that went to XXXX XXXX in XXXX, Va. which is the business office for XXXX XXXX XXXX. The first one bounced, for which I was assessed {$30.00} returned check fee, and a {$10.00} late check fee. I have a photo copy of the check that shows that the check was sent on time. What makes all this more confusing is that I was not made aware of this until XX/XX/2019 ( 6 months ). These payments are made quarterly, so it appears that the check that I sent in XXXX seems to have been cashed normally. But then the check sent in XXXX of that year was returned designated as " not authorized ''. During this time all other bills were paid on time including electric, gas, and credit cards. I spoke with XXXX  employees a few times and also with the treasurer of the HOA, and nobody knows why this happened. Total cost to me is {$80.00}, but it has more to do with me being taken for granted. XXXX and the HOA decided that it was OK to penalize me even though I had no control over what happened after I turned the computer off.

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 2020-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: USCB, Inc.
State: CO

Complaint narrative:
I have a concern that my privacy rights were violated through a family member ( brother-in-law or b-n-l ). The company RevSolve contacted my brother-in-law on XX/XX/XXXX regarding a small medical debt he owed. The agent then asked him if he knew me. He stated that I was his sister-n-law and asked if there was a problem with me and if he could pay my account off. The agent told him she couldn't give that information out, so my b-n-l said " Then why did you bring her name up? These two accounts have nothing to do with each other. '' Since my b-n-l was on the road when they called, he called them back on XX/XX/XXXX to pay off his account. On that phone call, a different agent asked him if he knew me - this would be a second time my name came up. My b-n-l again told the agent that our accounts have nothing to do with each other and why are you bringing her name up to me? My b-n-l was concerned and so finally decided to ask me about it. When he asked me " Are you and " my husband '' having financial difficulties? '' I was mortified that he would have been subjected to that through TWO agents of the company RevSolve. My name should have NEVER been mentioned what-so-ever to him. Our accounts are in no way connected. It would be no different than having 20 " XXXX 's '' and assuming any of them would be connected or related. I contacted RevSolve on XX/XX/XXXX to file a complaint. They were supposed to call me back on the same day and I have yet to hear from them. I have also contacted the medical facility on XX/XX/XXXX to let them know they are contracting with a company which is violating privacy rights. I have not received a call back from them as of yet ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
There is an account on my credit report from CACH , LLC with an amount of {$10000.00}. 
I have no idea of what this is from or where the debt came from. I have disputed this multiple time with CACH , LLC. I have been told every time that it is " verified '' but I have never received one document of any proof. This must be a case of identity theft. 
CACH , LLC has filed Bankruptcy in XX/XX/2017 and Resurgent Capital is the alleged servicer of the account. 
This debt was caused by Identity Theft and Resurgent refuses to deal with my claim. 
This debt needs to be removed from my credit report and all collection efforts ceased by Resurgent going forward. 
I have attached a doc that show the reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In late XXXX, I had a problem with an application for an apartment where the landlord could not view my credit history. It was not for lack of credit, but an inability to access it. Something similar happened again around XXXX when I tried applying for credit cards, where my account could not be accessed. Conserned about this, I contacted all 3 credit bureaus and each said that it was due to lack of credit history. The same thing happened again with another application for an apartment in early XXXX, saying my account had some kind of lock on it. The most recent occurrence was when I tried to sign up for XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and the website said that my social security number did not match my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased the membership from this gym back in XX/XX/2019, they didn't charge me at first but they only hold my card, they told me they would charge me when they open in XXXX. They kept postpone until XXXX, I have called them before the time frame and told them I am signing up for other gym because this is taking longer than promised. They told me they would not charge me. They did charged me in XXXX, when I called them and tried to resolve, they told me they can give me back store credit and gave tons of excuses but wouldn't refund me, even told me to dispute with bank its faster, which I did. Ridiculously Citi also sided with merchant and my dispute was closed. I am now charged with XXXX for something i didnt agree with and the service I did not use. Citi wouldn't re-open the dispute. It ws from XXXX XXXX ca for XXXX dollars back in XX/XX/2019

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 2020-03-20 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: NY

Complaint narrative:
After challenging the validation of XXXX on my TransUnion credit report. I notified Transunion that the original creditor has not responded to my validation request. As a result, by default XXXX is in Violation and is deem Unverifiable can not remain on my TransUnion credit profile.

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 2020-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have tried closing my biz account multiple times. It took me 3 hours to get to the agent. Once on the phone with the agent, she refused to close the account. Wells Fargo wants to keep charging me a service fee for the account that I don't use.

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 2020-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
The final post discharge monitoring form for year 3 of the monitoring period was emailed to XXXX on XX/XX/2020. Please provide confirmation that this no income information was received and processed on the form. Also, confirmation that I have now completed the 3 year post discharge monitoring period. 

Proof the completed form is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
With the Current COVID ECONOMIC COLLAPSE, i called my mortgage holder, US BANK, they informed me they can place my loan in forbearance, however, it will ruin my credit and all payments will be due in 90 days, in full, no partial payments or my loan will be foreclosed on. I'm XXXX XXXX, and am not allowed to work since we are on lockdown.

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 2020-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
My mortgage was recently sold to Carrington Bank. I created an account on their website so that I could make a payment. Company charges a fee to pay either online or via telephone. Is there some sort of rule against this? In this day in age everything is paid online.

Company response to consumer: Closed with explanation