vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
My Citi Sears credit card will Not allow me to cancel the auto pay and have lied to me about the Auto pay on my account. 
I am a XXXX Vet, I was injured during service and bypassed a medical leave to reunite with my squad in XXXX. I could have went home but chose to fight for our country despite my injuries. I was injured again but survived and proudly witnessed the end to a horrific time in our history. I have NO regrets for my sacrifices for our country during that era. I was proud to have served. Sadly, the things I have witnessed over the last decade, particularly how corporations ignore regulations, provide false information, harass and take advantage of citizens has sickened me. I can say I would not my life for todays America. The world has always had its fair share of greed and bad behavior. But today 's America the way these corporate greedy and ungrateful board members, Executives and employees seem to have no moral responsibility is like nothing I have ever witnessed in my 9 decades. 

All I wanted to do is cancel the auto pay to my Citi Sears Mastercard, The first attempt a rep gave me untruthful information. On the second request Citi lied to me again and even made the statement that their FRAUD dept. had initiated the auto pay without my person and are trying to take over {$2000.00} out of my checking account, again without my permission. 
Here is a story the local news did on me. https : XXXX It seems Citi bank has limited my online ability to schedule our cancel payments, The link which is available for others has been taken away for me. I have no idea why Citi bank is doing this to me and why they would lie to me. Maybe they are worried I will die soon, isn't this age discrimination? I am very healthy and have every intention of being around for the next decade, all my siblings and family members lived long lives. I will be sending a copy of this directly to the CEO of Citi bank so he can not say he was not aware of this unconscionable behavior by his company,

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 2019-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: NC

Complaint narrative:
I purchased with a XXXX debt a table with XXXX online, delivery date of XX/XX/XXXX. Received an email stating the delivery was postponed until XXXX. Next was a new date of XXXX and I decided to cancel which I did by speaking to Ms. XXXX XXXX and Ms. XXXX XXXX. Because of the delay, I requested XXXX to refund my money because of the timing and XXXX several delays. They honored my request and indicated that to XXXX XXXX and the matter was resolved. Several months later, with no notification, Cedar Financial placed a derogatory debt collection on my credit report on XX/XX/XXXX. I called XXXX According dept and they indicated that its impossible because they only deal with their credit cards. I dont have an XXXX or XXXX Card. I used my XXXX debt. You cant order online without a card. In addition, the product was never delivered and never left the companys docks. My new delivery date was in XX/XX/XXXX. I ended by a table off XXXX because the holidays were approaching. I could not host my family in my new house for XXXX. I was clearly upset over the delays. Now, Im extremely upset over the false reporting on my credit report. I have emailed letters indicating such facts. XXXX and I seldom spoke over the phone, most through emails. Order # XXXX was not delivered at all. Thank you. 
XXXX XXXX PS : I can send the emails to another email but Ill have to take snapshots of the emails. Im not tech wise!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: TX

Complaint narrative:
I have submitted documentation 5 times to Experian regarding a charge off that is past the statute of limitations and has already been deleted by XXXX for this reason. I have asked multiple times why they wont remove it and if not now When will it stop reporting. I never receive an answer only a denial for the dispute request.

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 2019-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Capitol Credit Services, Inc
State: IL

Complaint narrative:
I am a XXXX women. Yesterday I attempted to contact XXXX XXXX to find out what the problem was. And why my account is XXXX balance with a {$15.00} credit yet I can not charge. Anything over {$9.00}. I was in formed XXXX XXXX had not released the funds. Yet my account reflects they took the money out of my account XX/XX/2019. The Tech handling my called informed it will not be released until Friday XXXX. I received false alerts like my account is updating. Yet it cant be used. How can you constitute this as a rebuilding process for credibility when it is being manipulated. Yet if I dont pay or choose to manipulate the process it is counted against me. And the company continues their practices to manipulate my integrity with alerts or delayed payment process. Thr accusation the account is negative. When I actually have {$310.00} in credit for use but can not use. How is this a rebuilding as advertised a credit card resource to establish.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
The caller keeps calling us from once to twice a day. They never identify themselves or who they represent and simply hang up the phone. We have told them not to call but we have no idea if they heard us since they never respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I'm almost XXXX and I have XXXX   and had multiple XXXX XXXX   and have been treated with disrespect and my funds have been held by Citizens bank. This bank never emailed ( because was online savings ) called or sent any notice whatsoever. I opened Citizens Access savings about one month ago online and made initial deposit from XXXX. XXXX told me Citizens contacted them to confirm information. After more than dozen calls to Citizens, I was finally told just yesterday that they suspected account ( Because I deposited funds and now were making payment, etc??? ) and would returned all funds to XXXX. This caused my credit card payments and another transfer to be cancelled and caused many fees and interest because they were not completed, as I did and trusted with Citizens Bank. My wife was skeptical in having this account, with no actual Branch and I should have listen to her. 

I called Citizens several times just to be told theres nothing that can be done. Can this matter be brought up to executives in the bank please?? It is just terrible that now my credit history is bad, and I had occurred over 300 in fees and have no access to the initial deposit plus interest funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I am unable to use direct deposit to to fees, can someone please reverse the fees for the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
On XX/XX/XXXX, I sent an international wire transfer through Discover Bank, to an account in the XXXX XXXX XXXX XXXX of the amount USD {$21000.00}. I was informed by the bank that a USD {$30.00} fee will be charged to my account and the full USD {$21000.00} will be transferred to the XXXX account. When I inquired about the exchange rate, they refused to tell me the exact rate, but assured me the transfer will occur at the market rate at the time of the transaction and no other fee would be charged. The exchange rate on XX/XX/XXXX was XXXX USD = XXXX  CAD. On XX/XX/XXXX, a pre-converted amount of XXXX {$26000.00} was received in the XXXX account, almost CAD {$1000.00} ( or USD {$750.00} ) less than what was promised. This corresponds to an exchange rate of XXXX USD = XXXX  CAD, approximately 4 % less than the market rate. A separate CAD {$17.00} receiving fee was charged by the XXXX XXXX   XXXX XXXX, and they confirmed they did not make the conversion. 
In summary, despite me inquiring about the fees/premium or exchange rate multiple times, Discover Bank assured me only a {$30.00} fee will be charged by them and their intermediaries. They also told me that the market rate will be used as the exchange rate. After the transfer, they refused to take responsibility for the money loss.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tennessee Quick Cash, Inc.
State: TN

Complaint narrative:
On or about the end of XX/XX/2019, I received a line of credit at Tennessee Quick Cash. My limit is about {$3000.00}. The problem is that I'm making almost {$800.00} per month payments and less than {$100.00} is going to principle. This is usury and I'll never pay this off. 

They are taking on HIGH daily interest as well as a " customary fee '' which is 90 % of my loan payment. I don't even know what this is or means. It's not categorized as interest.

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 2019-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
Diversified Consultants call me daily at around XXXX from a local number regarding a small debt for XXXX XXXX . I have requested Diversified Consultants to stop contacting me 3 times this week after one representative claimed to work for XXXX ( which is false ), another representative hung up on me when I was requesting again for them to stop calling me, and the third representative today tried to over talk me as I was telling her I know this is a recorded line and to stop calling me. I have disputed this debt with another collection agency over the past 11 months as XXXX is charging me for service after the disconnection date and quoted me a final bill of about {$82.00} during my call in XX/XX/2018 upon disconnection or service. The other collections agency stopped contacting me regarding this debt after I requested and also did not place it on my credit report as I disputed it as an incorrect amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: FL

Complaint narrative:
I was unable to put a freeze on my experian credit bureau with their automated call in service or online. Every time it would say the freeze could not be placed and disconnect me. There was no way to speak to a live person. I have major fraud including {$5000.00} being stolen from my bank account and multiple credit cars being open and the criminal unlocking my credit freeze with XXXX. I was able to put a security alert on my experian account. However experian still went ahead and pulled my credit for accounts the criminal tried to open with XXXX, XXXX XXXX and XXXX  XXXX. I thin today I was able to place a freeze on my experian account from a XXXX number someone at XXXX was able to give me after numerous attempts. However experian needs to be informed on my level of fraud so that the freeze can not be lifted by calling in or online ( as was done by the criminal with my XXXX account ). Also what's the point of a fraud alert? It clearly did not stop experian from pulling my credit two times.

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 2019-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: GA

Complaint narrative:
The purpose of this communication is to advise the collector Hunter Warfield that the debt you are trying to collect do not, and should not exist, because I notified XXXX the manager at XXXX XXXX  XXXX that, I could no longer reside in the community, because of the fact that I was the victim of a car burglary, and I no longer felt safe, as a senior citizen living in XXXX. XXXX told me that I could live out my deposit if I cleaned the apartment, and this was done. 
I also told her was that I had came into contact with a criminal that I knew from my previous employment, at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and he had made a verbal threat on my life. XXXX told me, and I understood that she could not evict a person because of the fact that they had previous involvement in a criminal life style. 
Therefore, I told her that I would have to move, because I feared for my safety, and on the day that I moved I went to the office, along with one of two of my former co-workers and turned in my key. Several years later, I started getting calls from Hunter Warfield about a debt I owed to XXXX. This debt should not exist because I made sure that I took a witness with me for this specific reason, and he is willing, and available to testify in court if needed. 
As far as the criminal I did not take the time to find out if he was a resident at, or if he was visiting a resident in the community. I know that at my age, I was prepared, and had would have had to use deadly force to protect, against him, and I did not want a public trial, because this would have led to even more scrutiny, and me having to move again. Therefore, I would like the CFPB to publish this description of my response to Hunter Warfield claims, because I feel that, if there was a problem with my actions, XXXX should have stated them to me when I turned in my key. if they continue with their unwarranted contact I am prepared to go to court with a witness to provide direct evidence of my lst contact with 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 2019-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
o Whom it May Concern, I am writing regarding a corporate account with American Express. The original balance on this account was approximately {$82000.00}. In the last couple of years, I managed to pay nearly half of this balance, however, in the last few months, I have had financial hardship. I made American Express aware of the situation and tried to reach a payment arrangement. American Express was reluctant to help, yet attempted in good faith to come to a resolution. 

American Express kept threatening to ruin my credit and immediately transferred the account to a collection agency, which in return threatened to sue me. I had reached an agreement with the collection agency for a $ XXXX monthly payment through their financial hardship program. They promised that would reset the past due amounts on American Express and will not leave adverse information on my credit report. To my surprise, I found out that American Express reported negative information on my credit report despite reaching an agreement with their collection agency a couple of months prior to the reporting. Please see attached documents. 

I immediately contacted the collection agency and American Express. American Express claimed that they had nothing to do with it and the arrangement I made with the collection agency would not reflect positively on this account. I contacted the collection agency just to be told that it is American Expresss fault that negative reporting impacted my credit report. I requested a written document specifying exactly what my payment agreement of $ XXXX would entail. At first, they claimed the $ XXXX monthly payment would keep them from suing me. They refused to send me any letters detailing the arrangement for the {$500.00} payment while continually threatening to sue me. 

I am a victim of some sort of extortion from American Express where they ruined my credit and intimidation techniques by the collection agency to be sued, forcing me to make some sort of a {$500.00} ghost payment that is not being applied anywhere ; hence, the agreement was to make {$500.00} a month to keep my account current with American Express and reset the monthly payment for a period of 12 months. 

I am asking American Express to remove the derogatory information from my credit report since I have reached an agreement with their collection agency to make a $ 500 monthly payment prior to the negative reporting to all three major credit reporting agencies. 

Thank you for your help regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I have a line of credit at Advance Financial 24/7. The daily interest is getting larger by the minute and I can not afford to pay this off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Westcreek Financial
State: TN

Complaint narrative:
I received a furniture loan on XX/XX/2019. I financed around {$3000.00}. The same as cash loan was for 100 days. If you don't pay the loan off in 100 days, the fee is 105 % of the original loan. This is one of the worst finance companies I have ever seen as far as usury. 

They KNOW that most people can not pay {$3000.00} or whatever they're financing in 100 days then the lease fee kicks in. So I financed the {$3000.00} and I'm paying well over {$6400.00} to pay it off. This is more than TWICE what I financed.

I have been paying this loyally every two weeks and I'm pretty sure I've paid the original amount back and now in the process of paying the high lease fee payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: WI

Complaint narrative:
Called on XX/XX/19 at XXXX Called on XX/XX/19 at XXXX Called onXX/XX/3019 at XXXX Called on XX/XX/19 at XXXX Called on XX/XX/19 at XXXX Called on XX/XX/19 at XXXX Called on XX/XX/19 at XXXX Calls from Americollect. I do not have any debts to my knowledge. Always has a recorded message. Sometimes the message would be halfway finished when my voicemail picks up and sometimes the message would start when my voicemail picks up. One time I did pick up the call to ask them to stop calling and it was a recorded message not a human being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I wrote my husband a check which he deposited into Chase bank atm machine. The check was cashed and somehow the cancelled check ended up in the hands of a thief who washed it, re-typed it with a new amount and cashed it. The funds were withdrawn from my credit union account. 
The same thing happened again following a Chase deposit. The check was once again stolen, washed and re-issued to 2 separate thieves and cashed by my XXXX XXXX. 
Chase is clearly the weak link. Someone within the Chase institution stole the checks, washed them and re-issued them. My husband had lengthy discussions with the branch manager in XXXX Ct who was empathetic. However, it was clear that the corporate fraud department does NOT care. 
This is a travesty and makes us feel very unsafe! 

Another incident happened in early XX/XX/XXXX- My husband 's business Chase account was " robbed '' by a thief from Texas XXXX The Thief had printed checks with his own name and address but had my husband 's routing number and account number on the bottom. The thief walked into a Texas bank and the teller handed him the money. It seems that for a huge bank their security is quite flawed. 
Yes, we do have fraud alerts on the accounts but it seems to be ineffective.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
In XX/XX/2019 I was diagnosed WITH XXXX XXXX AND was sent to the University XXXX XXXX XXXX for treatment. I spent a total of 50 days in the hospital. I have not worked since that period. XXXX pays my COBRA and meds ( most ). I was put on XXXX but haven't received a check after six months. I have contacted Bull City Finical and if you take note all billing is for the same date ( XX/XX/2019). I filled out the paperwork and submitted it to XXXX for aid if I owe them. It is pending. 

I have work hard to repair and rebuild my credit only to have it drop by 76 points..

Company response to consumer: Closed with explanation