vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
On Monday XX/XX/XXXX I chatted with Citibank and requested three stop pays on payday loans for XX/XX/XXXXXX/XX/XXXX. I received verification of the stop pays in the mail. On XX/XX/XXXX they posted. I messaged them again on XXXX to inquire about them and was not given a response as to why the stop pays werent honored. Instead, they asked me if I had revoked the debits and I said yes. They told me that they would open a dispute and it would be settled within 10 days. In the meantime, they have been charging overdrafts and returning items! I had also asked that they stop and further ach debits from my account. This is not happening. I want the items returned and any overdraft fees reversed as this was their error and not mine. This is not the first time theyve not honored a stop pay. Very deceptive.

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 2020-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
During my divorce 10+ years ago, my ex-wife ran up all the credit cards in my name and cancelled the ones in hers. One card was with Capital One Bank ; the amount owed was {$25000.00}. 

I tried several times to explain to XXXX XXXX XXXX the situation, but they continued to send me collection notices. 

Since the original 1st missed payment was in 2009, the debt is now more than 10 years old ( definitely more than the 7 year statue of limitations ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: DISCOVER BANK
State: VA

Complaint narrative:
I received student loan advertising from Discover that was made to look like a XXXX from the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
I have recently refinanced. 

New lender ( XXXX XXXX ) sent payment to old lender ( Specialized Loan Servicing ) thru title company ( XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX in the amount of $ XXXX Old lender claims they haven't received money to date Title company has shown proof of payment thru fed ref number and claims money is pulled out of their account. They also claim new lender 's bank has the money. 

I am liable now for both loans.I have discussed with all parties and all parties are standing by with their claims. 

What should I do and how can I resolve this issue.

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 2020-08-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

Inquiries, accounts from XXXX  XXXX to XXXX XXXX  credit cards etc. I can go on and on but i will attach the dispute letters that was sent to them back in XXXX, along with my correct documents and i hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: MN

Complaint narrative:
Transunion & XXXX have failed to accurately report the following information after disputing. 

XXXX XXXX XXXX Opened : XX/XX/XXXX Credit limit : {$1400.00} ( This account is reporting as closed, this account is NOT closed ) XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Credit limit : {$300.00} ( This account is reporting as closed, this account is NOT closed ) These accounts are active/open. 
Due to these errors I have been unable to obtain certain account. I requesting these accounts be updated immediately.

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 2020-08-06 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: MN

Complaint narrative:
XXXX & Equifax have failed to accurately report the following information after disputing. 

XXXX XXXX XXXX Opened : XX/XX/XXXX Credit limit : {$1400.00} ( This account is reporting as closed, this account is NOT closed ) XXXX XXXX XXXX Opened : XX/XX/XXXX Credit limit : {$300.00} ( This account is reporting as closed, this account is NOT closed ) These accounts are active/open. 
Due to these errors I have been unable to obtain certain account. I requesting these accounts be updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: OK

Complaint narrative:
I started receiving phone calls and letters regarding a debt from XX/XX/2016 just a couple of months ago. I wrote to them asking for confirmation of the debt and they sent me information from another collection agency that I had never received anything from rather than from the medical facility they were supposedly collecting on behalf of. I pay my medical bills and they just want me to take their word that I owe {$38.00}. I know it is a small amount but why did it take four years before I was contacted regarding this supposed overdue amount. They sent me letters and made repeated phone calls to me asking for my credit card number. I told them that I would not pay a debt that I did not believe I owed that took four years to contact me about. They even reported it on my credit report. It just appeared about two months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I financed a white XXXX XXXX XXXX XXXX in XX/XX/XXXX with a 26.87 % ( APR ) interest rate per year with Westlake Financial Services Bank. The price of the truck was XXXX. I gave XXXX cash and trade in a vehicle XXXX more for a total of {$5000.00} down payment. It was financed for XXXX making 48 payments of {$520.00} My finance charge of APR was {$9900.00} So far I have paid 45 payments for a total of {$23000.00} and 3 remaining payments due in XX/XX/XXXX for a total of {$1500.00} which will be the full amount paid thats in the contract which is XXXX that reads in the contract. For my surprise I called the bank to request a payoff and they told me it was {$3600.00}. I asked them why that amount if I only owed {$1500.00}. They said because wether you pay on time or not they have an extra charge of interest per day for the duration of the loan extra ( I already had paid {$9900.00}. Why another interest extra charge ). With that said, then, what I have in my contract is not true. I will end up paying approximately {$27000.00} instead of {$25000.00} and that is not what my contract reads. In the past 3 days I have been calling them, have spoken to more than 8 agents and until today no one can explain to me where is that extra charge coming from or where does it explain this in my contract. They told me if after I make my last payment in XXXX and meeting the amount completely financed in the contract, I dont pay that extra interest charge they will repo my truck. 
I went into XXXX looking for reviews of Westlake Financial Services and the majority of the consumers just like me were complaining of the same problem. Tons of very bad terrible reviews. 
Therefore, this is why I am requesting to please consider my complaint and help me find out if what they are charging me is legal or not. 
Thank you in advanced, I will greatly appreciate any information that will help me clear/solve this matter.

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 2020-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I requested a replacement card on-line & received an secure email that there was an 'issue ' & someone would get back to me withing 7-10 business days. I called Comnety ( regarding my BJ 's card ) to see if they could resolve & he could not. I have a {$1200.00} credit, so wanted the replacement card to use up the credit. Since they are delaying the replacement card ( kind of fishing there is a problem when they have my $ ), I asked for a refund, which he said would take a few weeks. 
Thank you for your assistance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation
State: MD

Complaint narrative:
USCB reported this on my report last year. 
I disputed it on XX/XX/19 and it was removed from my credit report. 
Now they are trying to report it on my credit report again. 

The dispute number from last year is XXXX. 
I want this removed from my credit report.

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 2020-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I have previously disputed two debts listed for collections by a 3td party agency via XXXX XXXX for XXXX an XXXX XXXX that were supposedly open in WA state in XXXX. Both were removed from my XXXX  credit report as fraudulent. The agencies have apparently sold the debt to a new agency or the original creditors provided the info to a new agency and the debts are again showing on my credit listed with ICS Systems out of MN for XXXX XXXX {$240.00}, and XXXX XXXX XXXX for XXXX {$430.00}. I feel all creditors, Collections Agencies and Reporting agencies are grossly violating my rights as I have disputed these debts due to identity theft or fraud on multiple occasions and the accounts removed due to inability to validate the debt only to have them put back on my credit again by a new Collections agency that did not validate the debt and the Reporting agency did not prevent this repetitive abuse and harassment

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 2020-08-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

Inquiries, accounts from XXXX XXXX to XXXX XXXX credit cards etc. I can go on and on but i will attach the dispute letters that was sent to them back in XXXX, along with my correct documents and i hope to hear from you 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 explanation
Consumer complaint received 2020-08-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

They are not incompliance and I want this issue resolved asap.

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 2020-08-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
I paid off my car lease two months early and in full on XX/XX/XXXX. When I paid off my lease, I told them to cancel the auto-payment, and they confirmed they would stop. They then went and took out three additional auto-payments despite me paying off the car lease in full. I called them after they took out the second payment on or about XXXX XXXX, and requested a refund and again, told them to stop taking auto-payments out. They told me they would not be able to process a refund until they receive my check for excise taxes, mileage over, etc. On XX/XX/XXXX, they went and took out another auto-payment despite the fact I have already paid off my lease and have requested them to stop my auto-payment. That check was in the mail, so I called them once they cashed the check on XX/XX/XXXX. They told me they can not refund my money until they sell the car. 

They are taking advantage of a consumer and are not participating in fair consumer practices.

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 2020-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
This company does not offer any options internally to make biweekly payments nor do they accept " partial '' payments to be AUTO-DRAFTED bi-weekly from my personal checking account. 
I called today and spoke with a customer service representative who said I had no other options. I asked to speak to someone so I could make a record of the request to consider this option and she said there wasn't anything they could do and she knew that wouldn't help. 
I know banks are in the business of making money, but seriously I wanted to attempt to save money, pay upfront a month, and initiate bi-weekly payments and was offered no options. Unacceptable. This company should have a bi-weekly mortgage payment program for its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Risecredit, LLC
State: MO

Complaint narrative:
Rise credit lending is a predatory lending Company. They have destroyed my credit for years now. XX/XX/XXXX I was given a {$2200.00} loan with an interest rate over % 100. I paid them over {$7000.00} in less than one year. Last payment made was {$2000.00} XX/XX/XXXX under the advisement that the balance would be paid in full. 
Yet they held onto my loan for another full year with a small balance and accruing interest all the while. XX/XX/XXXX they then sold it to a collection agency which has given me another 7 years of a derogatory mark. I have been writing letters and explaining to both companies for years. FINALLY the collection agency agreed with me that what they did was illegal. Collection agency removed themselves from my credit report ( thank god ) Rise on the other hand refuses to remove themselves. 
Also The information/dates/payments etc reported on my credit is false/wrong/illegal. discrepancies all Across the board & Completely wrong information. It updates daily and I have had no choice but have them linger.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: MD

Complaint narrative:
In XX/XX/XXXX, I rode through a tollbooth free camera tollbooth in XXXX XXXXXXXX Virginia. This tollbooth mails the toll bill of {$5.00} to the owner of the vehicle. I have never understood why XXXX   address is shown as owner of this vehicle but XXXX received the bill and instead of paying it, XXXX sent it to me 2 months later and because the bill was held up at XXXX, There has now been a {$25.00} late fee applied. While trying to work this out with XXXX, the toll booth company sent this to a lawyer who added another {$80.00}. I am willing to pay the original {$5.00} ( and tried to pay ) but XXXX took too long to send this too me and had added fees that are not my fault. This exact same thing happened in XXXX and XXXX paid the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
When applying for something in my name in XXXX i got denied. When I was provided a copy of my credit report, i saw things on there that were inaccurate. I sent letters to the credit bureaus back in XXXX and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response from them. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

They are not in compliance and I want/need this issue resolved asap. 
Things on my credit report needs some action taken behind it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I need to link my PNC Bank account to XXXX ( stocks/investing ) but I keep getting an error message that will not allow me to link the account. I have already spoken with someone at PNC Bank and they do not see any issues on their end that should prevent me from linking my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I purchased a product for {$20.00} and it routed me through Paypal to pay for my purchase. 
I received an email from this company dated XX/XX/XXXX at XXXX XXXX and this is what it says Order Status Changed Online Store Hello XXXX XXXX, The status of your order # XXXX has been changed. 
New Payment Status Cancelled Your order Disinfectant Spray {$20.00} Paypal sent me this Your message was sent to We're sorry you didn't receive your order. 

Your message regarding the purchase you made on XX/XX/2020 for {$20.00} USD has been sent. You need to allow time for the seller to respond. 
They know this is a scam and they are saying allow time for the seller to respond? Paypal is a scam in itself! 
Now the store 's site is saying The Store is Closed Due to the terms of Service Violation.

Company response to consumer: Closed with monetary relief