vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding.

Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness.

Please remove these item from my report or legal action will be taken.

Thanking you in advance.

ACCOUNT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
THIS IS A CASE OF BIG COMPANY USING THEIR POWER OF NOT REMOVING A FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I AM A VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED AN ACCOUNT WITH BANK OF AMERICA, THEY HAVE ALSO MAINTAINED THE ACCOUNT. THE ACCOUNT IS CURRENTLY CLOSED, WITH XXXX BALANCE BUT NEVER THE LESS THIS IS A FRAUDULENT ACCOUNT AND BANK OF AMERICA REFUSES TO REMOVE THIS ACCOUNT. UNDER FAIR ACT CREDIT 605 THE FRAUDULENT ACCOUNTS SHOULD BE REMOVED ONCE THE IDENTITY HTEFT HAS BEEN VALIDATED. I AM VICITM AND I HAVE ALSO SENT THEM THE NORARIZED IDENTITY THEFT REPORT SO I CAN PROVE MY INNOCENSE, I HAVE NO IDEA WHAT ELASE I CAN SEND TO THEM TO PROOF THAT I AM VICTIM. REMOVE THIS FRAUDULENT ACCOUNT 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 2020-01-31 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 — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
Hello, I've opened this complaint in regards to a dispute on my Barclays XXXX credit card that was not resolved. To provide a brief summary, I purchased airfare for XXXX XXXX through a 3rd party, XXXX XXXX, on the date of XX/XX/XXXX. This was for a one way XXXX-XXXX flight on XXXX XXXX, departing XX/XX/XXXX. I used a combination of XXXX Points and cash, with the remainder charged to my XXXX credit card. I have attached this evidence along with my confirmation from XXXX, showing I paid/booked the airfare through XXXX XXXX. Since I was not able to select a seat during this third-party booking, I used the confirmation number provided by XXXX XXXX to import this trip into my XXXX XXXX account. I then selected a 'Big Front Seat ' in the amount of {$40.00} ( having already purchased the airfare through XXXX XXXX ) and provided my Barclays XXXX credit card to XXXX  for the {$40.00} seat charge. 

I never received a confirmation screen or email from XXXX  for the seat selection, and I was incorrectly charged {$180.00}, rather than {$40.00} for the Big Front Seat. Essentially, I was charged a second time for the airfare that I already purchased through XXXX XXXX. I did not book this airfare through XXXX, and there is no reason for XXXX  to charge me for the {$140.00} additional airfare amount. I spent a considerable amount of time with customer service reps from both XXXX ( both phone/email ) and XXXX XXXX, who pointed me in each others direction in trying to resolve this. Neither would take any responsibility for trying to help fix my problem. 

I have attached a lot of documentation including the confirmation I received from XXXX XXXX for the airfare, and emails from XXXX XXXX where they admitted that I had booked the airfare through a third party and not directly through XXXX. Ive also attached credit card statements with the XXXX and XXXX XXXX charges. My complaint is with Barclays, and also XXXX  since they charged me for the airfare a second time ( onto my Barclays credit card ). I realize this case is slightly complicated, but I have pursued every other avenue I could think of before filing my CFPB complaint. I opened up an official credit card dispute with Barclays, and was told to mail my documents in to support my dispute. I mailed them in and eventually Barclays denied it saying I failed to provide proper documentation. I do not agree, because I provided proof that I was charged twice for the airfare I purchased through XXXX XXXX. Feel free to contact me if you need additional information or documentation for my complaint.

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 2020-01-31 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: IL

Complaint narrative:
Contacted Citibank on XX/XX/2020 to find out how long they have been charging me for Payment Safeguard. I asked how I was enrolled - they werent sure. I asked them to provide the authorization from me to enroll me in Payment Safeguard - they didnt have the information. I instructed them to cancel the service immediately and refund the fees they have charged me. They stated I would have to prove I didnt enroll in the program which is the equivalent of proving a negative. They stated they cancelled it but will not send me confirmation of the cancellation.

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 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
XXXX  and XXXX  giving my credit report to companies without my consent. 
companies accessing my report without my consent These companies illegally pulled my credit unnecessary and with out my approval XXXX XXXX XXXX XXXX XXXX XXXX, on XXXX  XX/XX/XXXX Td auto, on XXXX  XX/XX/XXXX XXXX XXXX, on XXXX  XX/XX/XXXX XXXX XXXX, on XXXX   XX/XX/XXXX on

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
XX/XX/2020. {$2400.00} Something but the Principal amount is only {$1500.00}. I already made a payment of {$1000.00}. I want to make a settlement and lower the amount balance and I want to pay it off soon without any additional charges. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: B&B Funding, LLC
State: CO

Complaint narrative:
XXXX XXXX lent me 1st & 2nd mortgages in XXXX to purchase home at XXXX XXXX XXXX XXXX , CO XXXX. Both servicers began misapplying funds in XXXX and XXXX on each loan respectively and it took years to straighten out. I submitted a CFPB complaint about the 1st mortgage in which they foreclosed in the middle of a modification -- XX/XX/XXXX OMB Control No. XXXX -- XXXX XXXX  was the servicer. Foreclosure was eventually reversed. 

A similar circumstance is now happening with the 2nd mortgage. XXXX XXXX sold the loan and it has been sold 6 times since and is with a collection agency called XXXX XXXX XXXX. The last I knew of this 2nd mortgage was when XXXX had it and offered me an {$11000.00} payoff ( which I have attached ) to be paid when modification of 1st mortgage was complete. They also told me that I didn't have to make payments until we started the trial period of the modification after the 1st mortgage was complete -- therefore I should not be in default. XXXX XXXX  took 6 years to complete the modification on the 1st mortgage and meanwhile XXXX sold to XXXX XXXX in XXXX. XXXX XXXX  had told me they could absorb this 2nd mortgage in the modification and that they would contact them to discuss it. I'm not sure that ever happened ; the modification is very complex. 
Meanwhile, XXXX had been sending letters to my previous address and I didn't get them until recently. We were negotiating, they were calling it a modification, then I got a phone call from a women wanting to buy my house saying it was in foreclosure which was a shock to me. They started foreclosing while I was out of town for the holidays and they knew it becauseI let them know I would contact them when I returned. 

I have offered to pay them the {$11000.00} that XXXX offered ( which I have in writing ) and they refused and want me to pay {$38000.00} with interest ( rate changes each week ) and thousands in fees ( the number keeps changing each week ) and their attorney 's fees for the foreclosure. I feel they should honor their predecessor 's offer since when they bought the loan -- likely for 5 cents on the dollar -- around {$1900.00} according to a bankruptcy attorney I spoke to. I believe that if I called XXXX today, they would accept the previous offer of {$11000.00} cash ( if they hadn't sold the loan and closed their business ). They bought not only the benefits of the loan, but the responsibilities too. Again all my day is spent over the past several weeks on only trying to save my house because of a debt collector who is unreasonable and unfair in their practices and my family is being effected including my XXXX year old son. There is no reason for them to be foreclosing while we are actively involved in negotiations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Garrison Investment Group
State: MD

Complaint narrative:
In XXXX, we needed financing for our roof. The roofing company quoted us XXXX dollars and began the credit check/application. During the roofing project damage was discovered on a skylight. The roofing company needed to update their quoted price and ended up deciding XXXX dollars was fair. We agreed and began the paperwork, finished the roofing job, and we recieved our loan paperwork in the mail. ONLY the {$16000.00} loan was disbursed and that money was paid directly to the roofing company. 

When I logged into foundation finance 's website shortly after in XXXX, it listed both the the quotes as loans we owed money on as two separate loans payments were owed for. I called the company, they said the issue would be resolved and absolutely nothing happened. 

I called again XX/XX/XXXX, and was told the same information, it would get fixed but it would have to wait until Monday. I only received one loan of XXXX I did not receive the XXXX loan, but they are trying to collect on it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
Our mortgage loan was transferred from a bank we love to Loan Care, LLC in XXXX  XXXX, Virginia in XX/XX/2019 ( loan number ending in # XXXX ). 

We set up our autodraft for the mortgage on XX/XX/19 and our first withdrawals started taking place on XX/XX/19. There were few issues until XX/XX/2019. 

Then, for no apparent reason, Loan Care started charging us monthly late fees for XX/XX/XXXX and XX/XX/XXXX payments ( we were not late ) of {$96.00}. When we would call to determine the reason, their terrible customer service was never helpful and never able to give us a reason, and our only option was to pay online to avoid being reported to a credit agency while we investigated the root cause. 

After 2 months of this happening and calling/emailing and going online, I finally reached a supervisor who was somewhat helpful but also very perplexed by our situation. She could not determine why we have been charged for these late fees and claimed she opened an escalated ticket ( # XXXX for this problem to be investigated. The escalated ticket states that there is no apparent reason why the late fees are being charged and when/why/how it started and when/how it will stop. 

I have now paid {$190.00} in late fees, and according to the supervisor I spoke with today, she thinks we will see another late fee for XX/XX/XXXX. Not to mention the distress and time we have had to deal with this, we also believe that the erroneous late payments - that weren't actually late - have been reported to credit bureaus, so the damage is now done to our credit report and FICO scores. 

With the exception of the supervisor I spoke to today at approximately XXXX CT, every customer service representation has been extremely unhelpful, has even lied, been rude and refused to assist us. Today at approximately XXXX, I spoke to a CSR , named XXXX, who actually yelled at me then proceeded to HANG UP on me when I pressed further for her to help me investigage and get to the bottom of this problem. I assume this is what their CSRs are trained to do in order to get away with sneaking in these additional illegal charges. If even a fraction of their total loan customers are charged illegal late fees, this number will add up quickly and be pure fraudulent profit to Loan Care. 

If you read the XXXX XXXX XXXX complaints on this company, there is a pattern of this behavior with similar problems and complaints. 

I will file this complaint before taking legal action against them ( citing : refund of late fees, damage to FICO scores/financial reputation, pain and suffering ). 

Thank you for your assistance.

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 2020-02-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A system error that Citibank had created for my accounts, please see my commentary below :.

A. Citibank sent me my end of the year Accounts Statement, said Bank Statement disclosed my various accounts, the accumulated or aggregated interest for the year, and said accumulated or aggregated interest amounts were incorrect, and I relied upon them for other purposes, which made me incorrect for those purposes.

B. Citibank also provided the 1099-INT form, and in that Statement they declared figures completely different from that which the end of the year statement did, by as much as {$430.00}.

Basically what it comes down to is that Citibank decided not to reflect the aggregate interest for all of my accounts on my Bank Statement, and then simply decided to recall those figures within the 1099-INT form, which in turn really damaged my reporting that outward to other entities inquiring. As such, I personally believe that every Bank Statement from Citibank should always be accurate to the very last line, otherwise what is a Banking Institution that you are entrusting your financial information and assets designed for? 

When I contacted Citibank Corporate and spoke to a management authority at a U.S. Citibank Corporate facility, said management authority stated the following : 1. XXXX XXXX, you should not have relied upon your bank statement! 
2. Mr. XXXX, the fact that your Bank Statement differs from the 1099-INT sometimes happens! 

All to say, the testimony above is simply unacceptable, especially since the individual at Citibank Corporate was subjective and arrogant about their assertions, and they ( the bank ) have done things like this on two separate occasions within the last several years.

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 2020-02-01 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: WA

Complaint narrative:
XX/XX/XXXX - Chase approves me for {$95.00} annual fee World of XXXX personal card. 
XX/XX/XXXX - Chase approves me for {$150.00} annual fee Southwest Premier personal card. 
XX/XX/XXXX - Chase Approves me for {$95.00} annual fee Ink Preferred Card. 
XX/XX/XXXX - Chase shutdown all of my accounts, personal and business. 
Chase provides inconsistent reasoning, from " rewards abuse '' to " high spend on cards '' when calling. However, all actions were being performed within the allowances provided by Chase ( credit limit, credit limit transfers, approved cards by chase by fully legit means ). 

Chase refused to discuss the matter with me, left me stranded without any prior notice of concerns or attempt to appeal the manner, probably because i booked my entire overseas wedding with the Chase Sapphire Reserve and they didn't want to risk that insurance coverage. Chase also refused to refund the prorated annual fees. My XXXX Card and Southwest Card deserve prorated annual fees and Chase refuses to refund it. I had my Southwest card open for only ~3 months but Chase wants to keep a full 12 months worth annual fee. It seems intentional they bait, approve me into a card, then, without ever telling me before at any point, cancel and keep their annual fee from me, or that they had concern of my account activity, or wanted to try and work with me over a concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
My XXXX XXXX XXXX was paid and they are reporting that I have missed Multiple payments I have try to resolve this Multiple times with them and the last person I talked to said someone From accounting would contact me within 24 to 48 hours and they have not they said they were going to have them contact me because their math makes no sense and when I call the Automated payment line it says that I do not have a bill due till XX/XX/XXXX but yet on my report it says Im Multiple months behind and they will not fix 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 2020-02-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have found another error from experian with proof I have a copy to prove I disputed this item received a deletion but was never notified and they placed this back on my account / file after they deleted I just now found out The account is from XXXX acct XXXX its unverified account I know nothing of Please remove from y account promptly its affected my credit rating Proof attached Thank you sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: TX

Complaint narrative:
On XX/XX/2020, I contacted the company, Greensky and inquired about the {$110.00} interest charge on the 1st statement. Payment for XXXX  services were rendered on XX/XX/2020. I received the statement on XX/XX/2020,  showing the interest charge of {$110.00} and a minimum payment due of {$190.00}, due XX/XX/2020 for services. I was informed that it is prepaid interest, because my closing date is on the XXXX of each month. 
I explained to her that didn't seem right, she explained to me that is how Greensky does things. 
I then asked her about the Promotional Expiration Day of XX/XX/2020 that was printed on the statement. She responded said that no longer applies. 
I asked her who regulates her company. She said that was good question and put me on hold to get the answer. 
She came back on the phone and told me that they were regulated by the FDIC. She also said that the interest amount was not interest, but a part of my payment because of my closing date falls the XXXX of each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I opened my account on XXXX XXXX. As of today, it's been 135 days. I qualified for the XXXX bonus but never recieved it. I spoke with XXXX   representing td bank today, XX/XX/XXXX and shes only aware of a promotion for that for the first 60 days but my paperwork shows 90 days and it's what I was made aware of when I opened my account. I have had almost 1000 in direct deposit since opening. XX/XX/XXXX would of been my 90 days and all of my direct deposits were made from jobs by the end of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
What has transpired here is the unwillingness or the lack of fortuitiviness of Select Portfolio Servicing and my mortgage lender to disclose my payment history to the three credit agencies over the past seven years. This has harmed myself and my family immensely and hindered my ability to obtain better funding, Through this better funding existing debit could have been extinguished further improving my F I C A score with the credit agencies of XXXX  XXXX XXXX and XXXX. at present these agencies don't know that im carrying a home loan also

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation