vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX, I purchase a watch for my daughter at Bloomingdales in XXXX while on business. The sales rep said that if I opened an account that I would get a 25 % discount. I wanted to pay cash and she told me that I could go to the credit department and pay it off. There is not a Bloomingdales in XXXX and I knew that I would not use the card again since that is not somewhere that I shop. When I went to the credit department to pay off the account ( amount of the watch ), I was told that I had to wait for the bill to pay it. By XX/XX/XXXX I had not gotten a bill. I was told that I was late but still no bill. I paid it off XX/XX/XXXX ; asked that they close my account ; and disputed the credit with Bloomingdale as well as the credit bureau. They said the account could not be closed until the payment posted. There was only XXXX transaction that was ever charged on this account and it was the original transaction the date the account was opened. 
The account is still in dispute for being late and I wrote a letter on complaint for Unfair and Deceptive Practices for the way in which the account was opened. On XX/XX/XXXX I tried to get a loan and was denied due to this disputed item still on credit bureau.

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 2017-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Thomas Agency, Inc.
State: AZ

Complaint narrative:
I only became aware of this debt by looking at my credit report. When I contactacted the Thomas Agency they informed me the debt was from XXXX whith whom I have never personally done business with. The Address they had on file fo rthe debt is an address in Florida which I have never lived or resided at. When I contacted XXXX the original creditor they informed me that the debt was a debt owed by a former employer of mine ( XXXX XXXX XXXX ) and that my previous boss had put me as the person of contact for the account. I do not understand how my boss putting me as the point of contact binds me to this debt.

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 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On Saturday, XX/XX/2017, I received in the U.S. mail my " FREE '' annual credit report from " Trans Union. '' However, on " Page XXXX of XXXX, '' it notes under the " Account Review Inquires '' that a company called " XXXX XXXX, XXXX via XXXX '' unlawfully accessed my " Trans Union '' credit file on " XX/XX/2017. '' This is NOT mine. I am a victim of " Identity Theft. '' I just renewed my apartment lease for another 12 months in XX/XX/2017 so why would I be applying for a " home loan '' through " XXXX XXXX, XXXX '' on " XX/XX/2017. '' Plus, I was on vacation in Hawaii on " XX/XX/2017 '' with NO computer access and NOT in my home State of California.

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 2017-04-14 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
XXXX is trying to collect a debt that I DO NOT owe them! I do not have a contract or agreement with XXXX so I would really appreciate it it they would remove the collection from XXXX, XXXX, and XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I closed my account and Santander continued to penalize me. My complaint was never resolved and it is preventing me from opening accounts in other banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is refusing to investigate inaccurate items on my credit report. There are a total of XXXX XXXX accounts on my credit report that were included in my bankruptcy that was filed XX/XX/XXXX and discharged on XX/XX/XXXX. These accounts are being reported at 120 days late, transferred/closed, when they should be listed as included/discharged in bankruptcy. Experian would not allow me to dispute these items stating that they were previously disputed ; however, this account was never disputed as being included in my bankruptcy. This entitles me to dispute a new request with new information under the Fair Credit Reporting Act. Also, Experian would not allow me to dispute a XX/XX/XXXX tax lien in the amount of {$1000.00} that was also included in my bankruptcy and updated in public records.

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 2017-04-12 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: DC

Complaint narrative:
Received threating calls, that Ace will persue legal and criminial charges against myself when I paid off a loan back in 2009. But do n't have receipt that proves I paid it off. End up paying them back XXXX so the charges will be drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Rosebud Economic Development Corporation
State: MD

Complaint narrative:
I have 2 means of contacting this lender : " Rosebud Lending BHL d/b/a First Pay Loans '' via : Telephone : ( XXXX ) and Email : XXXX. 
When I contact via phone, the call does 3 rings then drops. When I contact via email, no response. When I look on my bank statement, the company does not have a phone number, but goes by the name " XXXX ''. There is no other means of contact.

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 2017-04-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2017. final payment in full note instrument number # XXXX for settlement and closure in the amount of {$6500.00} for Wells Fargo Credit Card MasterCard ending in XXXX was accepted and received via USPS overnight express number XXXX by Wells Fargo att : CFO XXXX CA XXXX. 
pursuant UCC 3-311 payment satisfied debt in full pursuant UCC 4-302 Wells Fargo had 2 days to return the check if refused. 
pursuant UCC 3-603 ( b ) ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, However payment has not been applied to the mastercard credit card. I request Wells Fargo to credit my mastercard credit card account ending XXXX for settlement and closure 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 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
My student loans were NEVER late, and yet they are showing up as late on my credit report. I finished college in XX/XX/2012 and within the six months after my completion date my loans were sold from Sallie Mae to the DOE. Ive contact Sallie Mae several times about their reporting error and they 've assured me on each of those occasions that the reporting error will be adjusted according and yet, here we are 7 years later and its still showing up and ( 9 ) payments late on my credit report on XXXX different Sallie Mae accounts. I need this information corrected and since Sallie Mae continues to string me along Ive decided to file a formal complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX our XXXX of XXXX.. passed away. On XX/XX/XXXX XXXX of the church went to the Wells Fargo Bank ( XXXX, MD XXXX ). They spoke with Personal Banker NMLSR ID : XXXX. XXXX. The XXXX presented the certified copy with raised seal of our Articles of Inc., tax ID letter, church check books, bank statements, and their driver and non-driver ID ( matching the signatures on the church articles of incorporation. Personal Banker NMLSR ID : XXXX was informed that on XX/XX/XXXX two men were not members of XXXX. had been allowed to put their name on our church bank accounts at the XXXX MD XXXX. Counter checks were created for their use. A check was written on XX/XX/XXXX to one of these men in the amount of {$900.00}. It is our understanding that they met with Personal Banker NMLSR : XXXX located at XXXX MD. XXXX. Banker NMLSR ID : XXXX contacted the Wells Fargo Bank legal department. The legal department stated that they would correct this matter after the articles of incorporation where taken to the Maryland State Department to be updated. The articles of incorporation were updated and returned to Banker NMLSR ID : XXXX approximately XXXX on XX/XX/XXXX. XXXX XXXX NMLSR ID : XXXX sent a copy of the certified articles of Inc.. to the legal department. The control and proper names were applied to the account. After the banks error we requested to have a new bank account. Sadly Wells Fargo allowed the processing of a second counter check signed by one of the men who was not a member of our church in the amount of {$600.00} written on XX/XX/XXXX. On XX/XX/XXXX we spoke with the Service Manager ( XXXX MD XXXX ) due to are bank cards not working properly. When we discovered that the reason for the trouble was that the Personal Banker NMLSR : XXXX located at XX/XX/XXXX MD. XXXX had removed our names from the account and replaced them again with these same men and added a woman who was also not a member of our church. 
The actions of Wells Fargo Bank allowing these people without proper documentation to be assigned to our account as signers. This has caused tremendous stress and hardship upon the church as a whole. We are greatly disappointed that these actions were allowed to happen. To this date we have not received any report of any investigation or any resolution to 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 2017-04-13 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There were fraudulent transactions that occurred to my bank account. I left my belongings on XX/XX/2017 and my routing number and account number information was stolen. I reported this to A lot of agencies but noticed {$340.00} negative balance to my account. I called WELLS FARGO TO MAKE THEM AWARE I DID NOT MAKING THIS TRANSACTIONS. I asked them to put my account back to good standing. As I do NOT owe my bank. I received many letters dated XX/XX/2017 via mail from wells fargo claims department regarding a STOP PAYMENT has been placed..but no resolution to my concern that my routing and account number has been compromised by a identity thief. I am asking wells fargo to get my account back to zero balance..not a NEGATIVE BALANCE OWED OF {$340.00}

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 2017-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received XXXX letters on XX/XX/2017 that all XXXX of my checking and savings accounts were being restricted in 20 days and closed in 30. No information or phone number provided. Also, I discovered that all XXXX of my credit cards were already closed. These accounts were for XXXX businesses as well as my personal accounts. I have been with them for 10 years and never had an issue. They do my merchant processing ( credit card processing ) and hold XXXX of my mortgages as well. The bank manager at my local branch was unable to provide any information nor was a supervisor on the phone. This is a huge hassle because of my automatic payments, outstanding checks, loss of XXXX credit lines without warning, XXXX 's of useless checks that cost money as well as the deposit stamps and my loss of rewards points on the credit cards. I also found out that I will not be able to open accounts with them in the future, not that I would want to anyway after this experience. I would like to be able to appeal the decision, receive an explanation, get compensated for my hundreds of dollars in lost checks and receive my rewards points money that I earned. A bank should not be able to treat their customers like this without wrongdoing and justifying their actions. Very upset and disappointed.

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 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed the following accounts with Experian. I have told Experian that I have no contract with any of the following companies : XXXX XXXX XXXX/2017 XXXX XXXX XXXX/2017 XXXX XXXX XXXX/2017 XXXX XXXX/2017 XXXX XXXX/2017

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 2017-04-13 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XXXX balance of card. 
Have not utilized since. 

Received correspondence months later, of fees on card. 

Impossible for fees to accrue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services
State: CA

Complaint narrative:
In XX/XX/2016 I contacted ACS regarding incorrect credit reporting. I was advised it was corrected. I pulled my credit reports today from all bureaus and it is showing 120 days past due as of XX/XX/2016. My account was in deferment during that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rauch-Milliken International, Inc.
State: MI

Complaint narrative:
Continued attempts to collect a debt I do not owe from ( XXXX ) by a collection agency/attorney ( Rauch-Milliken International Inc ) with intimidating collection letters, threatening ; negative credit reporting, court dates/costs/judgments, attorney fees, bank/asset garnishments, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
NATIONAL CREDIT SYSTEM IS STILL REPORTING ON MY CREDIT REPORTS. I WAS NOT NOTIFIED OF THIS DEBT HOWEVER I PAID IT BECAUSE IT WAS ONLY {$140.00} AND THE REPRESENTATIVE PROMISED THAT IT WOULD BE DELETED FROM MY REPORTS IN 30 DAYS. WELL IT 'S BEEN A YEAR!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I told the company I wanted to voluntarily turn my car back in. Once they received it, it was reported as a involuntary repossession. I have not received anything in writing stating the final sell price of the vehicle, or anything about what was due after the car was received by the company last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC.
State: TX

Complaint narrative:
This collection company will not validate the account. this account is not mine also it is paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
On approximately XX/XX/XXXX I received a notice from the collection agency claiming I had a debt. Within the 30 days they had asked for ; I responded to the company asking for verification of the debt including with any information of signed forms or simple verification relating to the debt. They have never responded to my request in any fashion, I have never heard from them again. Since then they have placed derogatory information on my credit report three months later. Simply put I did as they asked and they never responded to my request, so therefore I am to assume they have no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have several cards that have expired in XX/XX/2016 with value left on them. I spoke with citprepaid at XXXX and asked for the money to be reissued onto a new card or have a check issued. They explained once card has expired, they are unable to touch the funds. The agent said her hands were tied and I would not be able to access the $ amount.

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 2017-04-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Riverwalk Financial Corporation
State: CA

Complaint narrative:
I 'm former student of XXXX college XXXX XXXX CA XXXX. After this campus closer they have handover lender to collect XXXX loans to one lending company XXXX amount of {$3300.00}. And I have start to paying my outstanding amount with them in monthly basis. And in the meantime another lending company Deville Asset management reached to to my credit reports and they do the collection in my XXXX credits. 
I spoke to them and they promise to remove my collection from my credit reports. But nothing happened yet. I have reported to XXXX and still under investigation. I need to take out my collection from my credit report and increase my credits score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION
State: IA

Complaint narrative:
Borrowed with sallie Mae in XX/XX/XXXX using my grandmother as a cosigner. She was going to take care of the loan. Grandmother got sick and ended up in a XXXX and then passed away. I was living on my own since I was XXXX. Was in an XXXX marriage XX/XX/XXXX-XX/XX/XXXX. Graduated in XX/XX/XXXX and have been working to financially recover since. Financial hardship resulted in a default on sallie mae on XX/XX/XXXX after attempting deferment and a few payment arrangements. Called on XX/XX/XXXX to attempt to make arrangements for payment. Was notified of the default status and no payment arrangements was allowed. Sallie Mae representative was rude and harsh. Commenting on my financial situation and my lack of responsibility of the loan. Told me the only thing that would be allowed was paying the lump sum of the balance immediately, even though the loan is still owned by them until XX/XX/XXXX. Asked for XXXX $ and told me I was in a bad situation. Told me the next step is legal action. Had me sobbing on the phone. I was disgusted by the way he talked to me and the fact that sallie mae would rather take legal action against me then accept payments I 'm offering. Communication was poor. Help and options were still financially straining.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Coastal Financial Solutions, LLC
State: CA

Complaint narrative:
Highly rude! Called my place of employment 4 times in a row speaking to different people. Left a voicemail stating that i will be sued and he will be faxing personal paper work regarding my debt to my HR Dept in 48 hours. After calling XXXX XXXX back he proceeded to speak to me like a was an stray dog. I asked to speak to someone else. Even after doing so he proceeded with his disrespectful tone. Totally XXXX the rest of my work day. Odd collection practices and I never once refused to pay. Something is wrong with this guy!

Company response to consumer: Closed with explanation