vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank closed my credit card accounts ( 2 total ) without a merit and they wiped out my cash back bonus as a result. Their banker at the branch also did not understand the issue and we wrote a letter to Citibank together and still not refunding the cashback ( {$2800.00} total for two accounts ). Due to this unjust decision they dont issue a refund for the cash back that I have been saving for years. Citibank stated that they have right to close the account and I can not get my cashback that I saved for years. During these hardship times, Citibank is not very helpful and I have been trying to resolve this issue with the Banker since she understood the issue but Corporate does not want to help. 
there are two credit card accounts that they closed one 's end is XXXX the other is 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 monetary relief
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account on my credit reports. In regards to the Fair Debt Collection Practices Act ( FDCPA ), I am notifying you that I am disputing this debt in entirety, and you are to provide me with validation of the debt by providing me ALL of the following information : Copy of original contractual agreement bearing my signature between me and this company AFNI A clause in the original signed contract that authorizes you to collect on this debt. 

ALL Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. If youre Can not provide EVERYTHING I ask for to to validate the account, then you are to remove the collection account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020 I've initiated a return with XXXX for an XXXX XXXX XXXX  XXXX XXXX. I've requested a return within the XXXX return policy and followed the required steps ( see pictures attached XXXX XXXX provided me with a repaired XXXX  return shipping label with a tracking number XXXX XXXX XXXX and it was successfully delivered as of XX/XX/2020. Later on XX/XX/2020 I've received an email from XXXX  that I should expect a refund issued, however I haven't received it. Kindly proceed with a dispute and please, consider all supporting documents attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft.

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 2020-04-09 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: UT

Complaint narrative:
I am being charged late fees from citi bank Best Buy credit card. I have been charged {$25.00} on 3 separate occasions and the only thing i have done is try to make payments. I now have lost {$75.00} to fees. I have tried to reach a customer service representative only to be put on hold hours on end. I have tried signing in on their mobile app, on my phone, and on my laptop with no luck. Every time i try to sign in it has issues signing into my account with associated birth date, social security, etc. and locks me out of my account. I have been able to get into the account one time on my XXXX through XXXX  and it showed no minimum payment due, but a balance of {$620.00}. The full amount it says i owe when it charges the late fees is {$1300.00}. I want to pay the full amount so i never have to use this card or company again. I have pictures of my bank account and the fees they are pulling. They have pulled fees XX/XX/XXXX XXXX and XXXX of this year. I made a payment on XX/XX/XXXX of {$620.00} through their automated system since that was the only place i could make a payment and the maximum amount it would allow me to pay only to be charged with two more {$25.00} fees as i have said above. I still have not been able to reach anyone and it has been about 2 weeks since i have been trying to pay this card off in full and get the late fees waived.

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 2020-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo auto reported late payments in XXXX and XXXX of XXXX. I was not late in making payments. I had a final loan balance due of XXXX dollars in XXXX of XXXX with accumulated late charges of approximately 800 dollars, they said in order to continue making payments on only the late fees they had to leave a balance of 1 dollar to keep the account open. My last payment for the loan was paid in full in XXXX of XXXX. They reported 30 days late with a balance of 1 dollar for XXXX and XXXX. I tried mailing info to dispute center at wells fargo and no response, I tried disputing through  XXXX  and they closed the account and left the late payments.

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 2020-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: 1st Franklin Financial Corporation
State: MS

Complaint narrative:
I sent a validation of debt letter to 1st Franklin Financial dated XX/XX/2020, after receiving a letter dated XX/XX/2020, from 1st Franklin Financial stating that they had just received a debt that was transferred to them that belonged to me. 1st Franklin then sent me a letter on XX/XX/2020 refusing to validate the alleged debt that they state belong to me. 1st Franklin Financial is now in violation of UCC 5-301 FAILURE TO ENDORSE OR SIGN A PRESENTMENT and FAILURE TO SHOW PROPER AUTHORITY TO ACT ON BEHALF OF ANOTHER. 1st Franklin Financial has failed to provide me with following information : What money they say I owe, explain how they calculated what they say I owe, provide copies of any paperwork that show I agreed to pay what they say I owe, provide a verification or copy of any judgment, identify the original creditor, prove the statue of limitations has not expired on the account, show me that they are licensed to collect in my state, or provide me with their license number and registered agent or agent service. 1st Franklin Financial has also continued to harass me about a unverified validated debt, by continuing to write to me. I have attached the two letters I sent to 1st Franklin Financial as well as the three letters I received from 1st Franklin Financial.

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 2020-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I am filing my compliant against USAA my bank. I filed disputes with a company where they ran my card through more than once. I did reach out to the company as well several times. I filed a dispute with USAA and received provisional credits. I began to receive letters from the bank that my dispute was sided with the vendor because they provided receipts. I also have receipts for the accurate charges on XX/XX/XXXX XXXX advising she was with the disputes team reached out and we discussed all were valid but one, after that I began receiving notices that the money was being taken back out, as USAA had sided with the vendor. I began reaching out. To date, I have spoken with Executive Resolutions Team, A manager and 10 reps who all leave notes to reopen and/or to contact me. I have even filed a XXXX  complaint and USAA wil not help me. Finally yesterday I received a call after attempting to contact since XX/XX/XXXX advising she was with disputes, I missed the call, the voicemail she left stated for me to call in and leave a message for her to contact me or to have the rep read the notes, I called back in at XXXX XXXX and spent 15.47 minutes on the phone while the rep looked for notes that were not there. USAA will not help me or even give me a chance to inquire why. Its sad when its my money, it is a time of limited work and they helping a business take my money. Just wish someone would help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP.
State: GA

Complaint narrative:
On XX/XX/2018 21st Mortgage provide illegal mortgage for Estate Sale " XXXX XXXX '' estate of XXXX, GA. My mother informed lower court XXXX XXXX, Attorney XXXX & other parties that was wrong of XXXX XXXX. The Magistrate sold 10 arces of prime real estate. The underwriter perform illegal estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX {$2100.00}

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 explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX  XXXX {$2100.00}

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 explanation
Consumer complaint received 2020-04-09 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: AR

Complaint narrative:
My wife was trying to trade her vehicle in for a newer model and she was told from my salesmen that she could not make any trade. We asked why and he gave us no explanation. We pulled our credit on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
There has been several Credit Transactions That I was charged a gratuity tax on which was never explained to me or made clear when the card was issued to me through Unemployment of PA. I spoke to the Assistant Director XXXX on several occasions who became very abrupt and rude as well. From The beginning, I wanted to use my XXXX XXXX Acct which they screwed up. I ended up using the card and every time I use the card to call and pick up food from XXXX XXXX in XXXX, I get a hefty surcharge tacked onto my total. This has been goingg on for quite some time and I have called and tried to get XXXX Customer Service. I have called more than once, been talked down to and disrespected as well as hung up on, especially when asking for a Supervisor.Not only XXXX, But there are other restaurants they are overcharging me as well with this Gruity Tax Thing.I am not dining in especially due to Corona virus, We are not allowed. On Monday XX/XX/2020, I was charged XXXX for a purchase of XXXX at XXXX. they said that he charge was from XXXX  but I called XXXX 2 days ago and they said they would refund the XXXX which XXXX hasn't yet put back on my card. I told XXXX   Benefits that I no longer wish to use their service. These People at  XXXX are very ignorant, disrespectfulal and rude and I all monies refunded to me or a lawsuit will ensue. I have already contacted State Republican XXXX XXXX Office.I finally got a supervisor on the phone like a day a day ago and she tried to get me off the phone and completely disrespected and ignored my complaint and asked me if I wanted to cancel my card and be transferred to dispute complaints.

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 2020-04-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ECMC GROUP, INC.
State: GA

Complaint narrative:
The company XXXX XXXX XXXX sent a garnishment to my company for a student loan that was paid off around XXXX or XXXX. The loan was payoff from a tax refund offset from the IRS. The company never went to any court to have the case heard or sent me a letter about this matter the amount they trying to get is XXXX and it was back 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 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC
State: CT

Complaint narrative:
XXXX XXXX  has reported an account on my report 2 times through two different collection services. Both are reporting same account, same amounts on my credit, each month they re report these accounts as new. this one account was acquired in XXXX, they have the account opened through Enhanced Recovery CoL on XX/XX/XXXX and again through XXXX XXXX sv saying it was opened on XX/XX/XXXX. This account from XXXX XXXX was settled prior to this continue reporting in XXXX, I purchased my new home in XX/XX/XXXX, and prior to credit approval I paid XXXX XXXX  and had the XXXX removed. After I moved into my home the collection servicing company put this back onto my report on XX/XX/XXXX. and then it went to a new collection servicing company and was reported again. I can not find the receipt of my payment in XXXX, moving things got lost in the process. I do not owe either of these, but if I need to keep it on my report, then one of the reporting agencies needs to be removed. And they need to stop re reporting it as new.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: SC

Complaint narrative:
I have two student loans which are being serviced through American Education Services. I have applied two separate times for loan forgiveness only to be denied on a technicality of paperwork. 

I applied on XX/XX/2020 and was denied because I did not put my name and Social Security number on the back back of the page. The same information was on the front side of the application and it was on one sheet of paper. I was told I would have to start the entire process over. 

On XX/XX/2020, I resubmitted the application and was again denied because the date was not in the correct format dd/MM/yyyy. The dates were there just not in the format they wanted. I was again told I would have to resubmit the entire paperwork. 

Being denied due to some minor technicality is ridiculous. This is an unnecessary burden to something I am entitled to. 

In addition, I am being told I have to continue my payments even though the federal government has suspended all payments for student loans that are not private. They are violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My wife was trying to trade her vehicle in for a newer model and she was told from my salesmen that she could not make any trade. We asked why and he gave us no explanation. We pulled our credit on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

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 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My wife was trying to trade her vehicle in for a newer model and she was told from my salesmen that she could not make any trade. We asked why and he gave us no explanation. We pulled our credit on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

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 2020-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Unauthorized withdrawals -- - XX/XX/XXXX, XXXX Unauthorized quickpay by XXXX through chase mobile app for android to XXXX XXXX XXXX the amount of {$500.00}. 
XX/XX/XXXX, XXXXAnother quickpay to XXXX XXXX in the amount of {$500.00} XX/XX/XXXX, XXXXAnother quickpay to XXXX XXXX in the amount of {$500.00} XX/XX/XXXX, XXXX 2 quickpays to XXXX  XXXX in the amount of {$500.00} each. 
XX/XX/XXXX, XXXX 2 quickpays to XXXX XXXX in the amount of {$200.00} each. 

Contacted Chase to report the fraud on XX/XX/XXXX at XXXX EST. 
Chase reached a decision stating I was responsible for the unauthorized transactions on XX/XX/2020 at XXXX EST. They refused to re-investigate because quickpay was used and wouldnt track the recipient of the unauthorized funds. I swear these weren't authorized charges or subject me to perjury.

Company response to consumer: Closed with monetary relief