vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I opened my HomeDepot card last year in XXXX while doing some updates to my home. The next month I went online to pay the total balance. Iogged in and I paid the total balance off and believed I was good to go. WRONG last month XX/XX/2019 I received an email alerting me of a delinquency and drop in my credit score. Come to find that HomeDepot Credit Card was stating I owed over {$130.00} I got on the phone and called to find out what was going on. Apparently they charged me a late fee of {$27.00} and another late fee and another late fee total amount due was {$130.00}. I spoke to an agent and they had no concern for the issue they said no sorry you didn't pay on time and you did not make a payment in XXXX, XXXX or XXXX. I must have talked to 6 different people and One agent waived one fee. They offered no solution no explanation as to why it was not on the statement the day I paid it in full. Crickets is all i heard NO one had the answer. I pay my bills on time, early when possible I had a great credit score and now my credit score has dropped over 100 points. That is so wrong. I paid the balance off. If there was a late fee I should have been able to pay it. If the system didn't show me how am i suppose to know that there is an outstanding fee. Per the CARD act credit card companies can not charge you more than 3 % of the minimum amount due. I had a XXXX balance. Again how is it possible that I now owe {$130.00}. I hold both Citi Bank and Home Depot responsible. This is not honest way of doing business.

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 2019-03-07 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: NY

Complaint narrative:
There is a report on my credit from a collection agency for {$510.00}. Not only is this agency reporting this, they are also reporting an address that I've never lived at. I disputed this with Experian and Experian had the nerve to say the dispute was investigated and left it on my report. It is very unfortunate that the consumer is left int he middle of the disputes with the credit bureau and their clients. The consumer always gets the XXXX end of the stick in these disputes, all your client has to do is have a name and they can destroy someones credit, whether its yours or not. 

I want this off of my credit.

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 2019-03-07 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: MO

Complaint narrative:
On XX/XX/2019 I was charged {$430.00} for tires in which I did not receive. In fact, I purchased new tires and had them put on by a lower priced competitor the following day. I explained this to Citibank and they opened a dispute. Today, XX/XX/2019, I was told by Citibank that the merchant, to whom I did not get the tires from but was charged, turned in paperwork which shows I did get said tires. I told them I do not have this merchandise in which I was charged and can prove that I bought tires from another merchant. This is fraud! Citibank did not even want the paperwork to prove my statement. Their customer service was rude and insinuated I would be the responsible party for the fraudulent charge! I plan on taking this issue up with the appropriate representing attorney against Citibank and merchant who charged my card without me receiving merchandise. I should have used my American Express card. This would not have happened!

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 2019-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My name Is mr. XXXX residing in XXXX XXXX, XXXX. Somebody got into my Chase acount and depositors {$450.00} dollars and sent some quick pay XXXX thing to XXXX. The acount closed and became restricted I called and they said it shows it opened with my IP address and was done from my phone the day before I had XXXX to my name and {$290.00} direct deposit on XX/XX/XXXX by XXXX XXXX XXXX so that went all into review why would I quick pay when I have virtually no money. They are going to close my acount in 6 days and I did nothing. This guy XXXX from the fraud department said I cant do anything and was rude and blunt. He said my relationship will end. But I called the number in the letter I got and called the number and talked to XXXX he got me the funds located to the branch and I got it and XXXX said that was not possible even though on XX/XX/XXXX I was told it was. I would also look into XXXX because he gave me false information that caused distress on me. But really Im an honest guy and I would love to continue to bank with chase

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: DISCOVER BANK
State: CO

Complaint narrative:
My father had a XXXX and we wanted to send him to the XXXX. of XXXX  XXXX XXXX ( known as " XXXX '' ) to address XXXX XXXX caused by the XXXX. Unfortunately, Dad did not feel well enough to attend the program. We had put a down payment for the program on Discover Card. When Dad decided he could not attend, we advised XXXX that he would be unable to attend. XXXX informed us that they had not been paid the down payment because Dad had reported it as " fraud '' on his card. XXXX continues to inform us that they have never received the down payment for his attendance. However, Discover Card insists that the down payment was made through Discover card to XXXX. XXXX advises us that they have never been paid and Discover Card advises us that they paid XXXX. Discover Card is holding my father accountable but as far as we can tell, XXXX never received any funds from Discover Card. Then Discover Card " investigates '' this matter and finds against my father.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Opened a checking account with TD on XX/XX/2018. A few days later I attempted to attach my XXXX account to the checking account, and shortly after TD locked my account. When I called in to unlock the account, I was told I needed to verify my identify in person at a branch. This is not possible due to the one-way 4 hour drive to the closest branch and after I told them as much, no helpful response was given.

I immediately told them I'd like to close the account, but was denied that ability due to them being unable to verify my identity despite the very process that allowed them to open a checking account in my name in the first place. 

I assumed the account would close within 20 days because due to the XXXX XXXX XXXX accounts are closed when not funded, but when I attempted to link my XXXX, XXXX sent trial deposits and never withdrew them since I didn't have the opportunity to verify the trial deposits. Since this occurred, the account was never closed, I've been charged a $ XXXX monthly maintenance fee, and I can't access/close the account without making an 8 hour trip to the nearest branch.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: First Technology Federal Credit Union
State: NJ

Complaint narrative:
i applier for a c.c. with first tech fed. cred. union ; i submitted income of about XXXX or so a year ; they approved me for XXXX credit line, wioth 12 months no interest on balance transfers they requested proof of income ; i told them i included in the amount the rental income from my basement, which i could not provide proof ; but i submited a w2 for XXXX with income of {$99000.00} ; Then they denied my application ; i could understand if they reduce the credit line, but i don't think it was fair they denied the claim entirely ; see below email with aproval Date : XX/XX/XXXX Application : XXXX Credit Card Type : Choice Rewards World MasterCard Dear XXXX, Thank you for your credit card application with First Tech. Your application request has been approved for the following terms : Amount Approved : {$10000.00} Interest Rate : 12.240 % Additional Terms & Conditions** > Proof of income dated within the last 30 days > > > > **Please submit any items listed under additional terms and conditions to XXXX. Credit Card approvals are valid for 30 days from the date of this notice. 

Loan approvals are conditional and subject to verification of the information provided, First Tech Membership, and other terms and conditions listed above. 

Important Note : For added security, our cards are Chip and PIN enabled. Youll receive a PIN in the mail separate from your card. Your PIN is important and may be required for transactions. You can personalize your PIN at any First Tech ATM. 

Thank you for choosing First Tech for your financial needs. 

Sincerely, Consumer Lending www.firsttechfed.com XXXX Tel XXXX Fax

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: American Trst Company, Inc.
State: CA

Complaint narrative:
This company send me a few text messages. The initial text was without consent. I later opted in to find out who they are and then opted out one I found out who they are. The use of automated sms messages to consumer cellular telephone is prohibited under TCPA 1991. I am requesting that this company have their legal department contact my attorney ASAP. 

They seem to be soliciting debt restricting services. NO THANKS! 

XXXX XXXX XXXX Esq. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing my Principal Mortgage Balance that XXXX XXXX XXXX is reporting. There are three issues in question. 
First Issue : XX/XX/XXXX I received an alert from Experian Credit Bureau that XXXX XXXX reported a Balance Increase XXXX XXXX, to {$280000.00}, the previous balance was {$280000.00}. 
Second Issue : XXXX, XXXX, XXXX XXXX XXXX XXXX - XXXX Mortgage Interest Statement stated the Outstanding Mortgage Principal was {$280000.00} - Principal applied {$2700.00} bringing the balance to {$280000.00} ending Balance. 
Third Issue : XX/XX/XXXX Mortgage Statement reports the Principal Balance to be {$280000.00} with Principal & Interest & Escrow total Amount Due {$1000.00}. 
XXXX I received a letter from XXXX XXXX XXXX and learned that XXXX XXXX XXXX transferred my mortgage to XXXX XXXX XXXX. XXXX XXXX XXXX  is reporting a negative escrow shortage of {$200.00} I want a full accounting detail to explain the mortgage increase that XXXX XXXX XXXX reported to Experian Credit Bureau. I want an full accounting detail to explain the Principal & Interest & Escrow Shortage.

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 2019-03-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In 2005 I was scheduled to close for a loan from Wells Fargo, I was involved in a car accident on the day of closing for my loan where I was rear ended while sitting at my a light at 50 miles per hour, and I was getting my XXXX XXXX as a result of the accident at XXXX XXXX XXXX. The Loan officer called office then my cell phone and said they needed these docs signed today. The loan officer told me her name was XXXX XXXX that I needed to sign docs or my loan would be not be available. I was in the hospital when the loan offices came there, and I had to sign their doc package, three people came to the hospital.. They brought flowers and said thank you. After I left the hospital I complained to Wells Fargo with no resultion or response. I went to Wells Fargo to speak to XXXX and they told me she was no longer there. The reason I want this looked into is because I have made so many payments and the balance stays the same. Please help me to resolve this matter. I just get ignored

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 2019-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: WA

Complaint narrative:
About six months ago I started getting robo-calls about debt I owed from the company called Harris and Harris. The robo-calls come in regularly now and I have no idea why they continue to do so. These calls  are becoming harassing, I do not have any debt or owe anyone money, and I want these calls to stop. 

The most recent call came in on XXXX/XXXX/19 at XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I have sent multiple letters to CITI/CBNA to verify the debt they are reporting to all three credit beuares negatively impacting my credit worthiness. CITI/CBNA has never contacted me back with a validation or responded to my letters. The amount they claim I owe is {$1500.00}, and I have submitted many of disputes in XX/XX/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 2019-03-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian and XXXX are reporting wrong type of BK # XXXX on my credit report ... Back in 2009 I did file for chapter XXXX which was discharged and statute of limitations for this type of BK is 7 years.This BK aka public  record should not be on my credit report because 1 ) it is a chapter XXXX not a XXXX 2 ) it has been 10 years since filing date, both Experian and XXXX have different dates both of which are incorrect. 

3 ) I attempted to dispute this with Experian over the phone - agent was very rude and refused to take my information keep directing me to their website which would not let me access my own report. When asked for supervisor I was put on hold for 28 minutes after which my call got disconnected on purpose. I then wrote two letters with no response from Experian .... I called today they claim not to have any record of me sending the dispute but I do have a copy of the certified mail sent to them on XX/XX/XXXX and XX/XX/XXXX. 

XXXX  website is non responsive and does not allow for disputes to be filed, I disputed over the phone mailed and faxed in supporting documentation with them returning saying that creditor - the court has verified the accuracy. I contacted the court who stated they do NOT report or verify with bureaus. 
I contacted XXXX XXXX now, who stated they do NOT have public record reported on my credit file to any of the bureaus at all.. then who are they verifying this info with then.. this is a lie after lie and a violation of F.C.R.A I prepared my complaint to FTC as well as Attorney Generals office if this BK is not removed from my credit report immediately and accordingly

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 2019-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
The Specialized Loan Servicing ( SLS ) representative name XXXX is always upset and talks to me in a degrading manner on each occurrence to discuss my account. She seems disoriented, leaves me on hold for 20mins or more, and provides wrong information regarding my account status. Under a payment arrangement, I have complied with the agreement and made six successful payments on-time. SLS has REFUSED to restructure/modify the loan. I am told, " there is nothing available for your loan at this time. '' Instead, SLS has implemented restrictive payment arrangement where I have to call in each month for payment. I can NOT send a check, money order, XXXX XXXX, or cashier check. I can NOT use XXXX online bill pay. The only way to make a monthly payment is by calling XXXX to provide my XXXX XXXX XXXX ( XXXX  ) checking account and routing number. On XX/XX/2019, XXXX stated, I no longer need to call for payment. I can send a payment by check and delivered by US Mail each month. However, I have repeatedly asked to modify my loan and wrap the past due amount on the backend of the account. The request is standard practice in mortgage lending. XXXX stated SLS is not offering any restructure or modification at this time. I have an outstanding past due of {$25000.00} and I pay {$430.00} every month. None of the payments go towards the past due amount. Instead, fees are applied to the principle and interest. However, the past due amount is accruing interest daily and has a balance of {$29000.00}. XXXX stated I have to continue making payments of {$430.00} each month until the past due is {$0.00}. How? The payment structure is controlled by SLS and applied to the principle. SLS is a PREDATORY lending company. They train staff to attack consumers over the phone to introduced fear and refuses to work with them. I have to REPORT these unfair practices and possibly breaking the law. I have a security clearance, and this matter must be resolved immediately, or there's a possible chance I will lose my clearance.

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 2019-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have Mortgage account with Wells Fargo for almost a year right now. I had done 4 mortgage recasts of $ XXXX ( overall $ XXXX ) during last 12 months. 
Each mortage recast in general brings the monthly payment down by around $ 150- {$200.00}. 
I have been asking Wells Fargo to provide me a scientific and mathematical way to share with me how they are calculating my next mortgage payment after each recast but they are not doing it for almost last 7+ months. 
Now i am growing suspicious that something is going wrong out here.

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 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Rushmore Loan Mgmt Servicing reports an open tradeline with payments iao {$1300.00} and balance {$170000.00}. I am joint on the promissory note for this loan and quit claimed my interest to the co-applicant. I also included the promissory note in a chapter 7 filing that has discharged since XX/XX/2015 ( case XXXX XXXX. I understand that divorce decrees do not supercede the actual debt, however the debt was fully discharged in the Chapter 7 and therefore this should be credit suppressed and all delinquencies reported since the discharge should be deleted and the balance should reflect {$0.00} discharged in the chapter 7.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: PR

Complaint narrative:
XXXX Acct # XXXX is a result of identity theft. Item had been previously removed and was reinserted.

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 2019-03-07 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: AZ

Complaint narrative:
I recently moved from XXXX, NC to a temporary address in XXXX, AZ. I am attempting to get a mortgage to purchase a house which requires access to my credit reports. I froze all 3 of my credit reports 2 years ago when the XXXX  breach occurred. I saved the PIN numbers but can't find them since I moved. I was able to unfreeze my XXXX and XXXX reports online without the PIN. I am unable to unfreeze my Experian credit report online and I am not able to speak with a person at Experian on the phone. Experian requires me to send by snail mail various types of id verification documents which at this time since I moved and am living at a temporary place and all of my belongings are in storage it is hard to get. I would like to speak with someone at Experian or be able to do this online.

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