vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-03 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: NC

Complaint narrative:
Greetings, I have a CitiBank account with a CitiDouble Cash Credit Card with a rate of APR for purchases 18.99 % ( V ) with a credit line of {$25000.00}. 
I was recently provided an offer they call a Citi Flex Loan, this borrows against my credit and allocates my available credit to a loan in my case a loan of {$5600.00} for a term of 48months at an APR of 6.99 % which would have been 48 monthly payments of {$130.00}. 

I use my credit card for every purchase and make several payments a month to pay off the balance. CitiBank apply all my additional payments to my flex loan and allowed my credit card balance to grow. In one to two months my Loan was nearly paid off, and now has a balance of {$340.00} whereas now my credit card debt has ballooned to over {$5600.00}. 

I called Citibank at least 7 times and they all agreed there was a payment allocation issue and stated that payments above the minimum payment are supposed to be applied to the balance with the greatest interest, however in my case the reverse occurred. Two supervisors also agreed that my payments were not applied properly. 

CitiBank says now they fixed the payment allocation issue with my account and says they can not fix their payment allocation error because they closed the statement cycle. I now have over {$5000.00} in credit card debt accruing 18.99 % interest whereas I had none and have never paid interested in 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 2020-11-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: LA

Complaint narrative:
I filed a dispute 3 months ago for a transaction double charged. They locked my account with a balance of XXXX now it is at XXXX. For 3 months I've called at least once a week most daily. Offline teams refuses to call and support refuses to give me the contact number for them or the president of the company so I could address it directly myself after 3 months of this hour fight daily with them. I've done and complied with every request they have had as of Wednesday I was hit and destroyed by a hurricane I was actually on the phone with service team and she listened as my home was being destroyed and the fear of us as we thought our lives were ending. I now have nothing left no home no vehicle nothing and I've talked to her since because all never forget that day or the sadness I felt she could listen to my world being ripped.from under me and that voice I'll never forget and still refuses do help me access my money to survive this tragedy. Its sickening to know this company can be so heartless and take from someone who had everything ripped away from them and still.do.nothing to.help.

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 2020-11-03 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:
Today XX/XX/2020 I applied for an auto loan and unfortunately the loan was not approved because when they ran my credit. I was told that there was an account in derogatory standing on my report. I don't know what they are talking about so I looked through my credit report myself and saw the account that does not belong to me. The accounts were XXXX XXXX  XXXX  XXXX balance {$290.00}, XXXX XXXX XXXX  XXXX balance {$0.00}, XXXX XXXX XXXX XXXX balance {$7500.00} and XXXX XXXX XXXX balance {$64000.00}. I did not open these accounts and I did not allow anyone to open it in my name using my personal information. I did not benefit anything as a result of these accounts being opened in my name without my permission or don't have a contract or agreement with this 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 explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies. i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.

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 2020-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc.
State: AZ

Complaint narrative:
I received a letter from Credit Corp Solutions on XXXX XXXX, XXXX. It says they are writing to inform me of my account being referred to their pre-legal department. They have been unsuccessful in establishing a resolution to my account and have not received any significant payment from me to reduce my outstanding balance of {$2600.00}. Please note that your account meets our legal referral criteria and is eligible to be referred to an attorney. If payment is not received we will be sending your account to a law firm to be reviewed by an attorney for possible legal options. If you are unable to make the full payment or have any queries in relation to your account, you should contact our pre-legal department immediately working reference # # #. This communication is from a debt collector. This is an attempt to collect a set and any information obtained will be used for that purpose. 

I received a call in XXXX to settle this debt from XXXX XXXX. While I was on the phone with the credit collection agency, not sure if the same one, I set up a payment plan to pay off this debt. I believe I have already paid on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/2020 I called BBVA customer service at XXXX XXXX  to voice my frustration about a late fee they had assessed will their bills did not allow adequate turnaround time to pay an unexpected annual fee, and spoke with a representative for 32mins and 57 seconds ( including hold times ) regarding my concern. The representaive stated the late fee on the bill plus another late fee not yet billed were removed. I asked that my account be closed, and the representative stated I had to go online, print a paper form, fill it out, and mail it in - I did just that. On a subsequent letter dated XX/XX/2020 BBVA confirmed my account was closed and confirmed my account balance was {$0.00} XXXX see attached ). I believed the matter to be closed until on XX/XX/2020 I went to close my savings account which had been used to secure the credit card mentioned above. Neither the bank teller nor manager could explain why {$110.00} had been deducted by the credit card side of the company on XX/XX/2020. I called the card customer service at XXXX and spoke for 19 minutes, and had to call a separate department at XXXX for over 45 minutes. Between these two representatives, I learned that BBVA decided to reverse the late fee removal, allow additional late fees to accrue totalling {$110.00}, and change the status of my closed account from " Closed by Consumer '' to " Collection/Chargeoff ''. This was done without my awareness and without any letter or phone call to me whatsoever. After the representatives both consulted their managers, I was given an apology and told the bank would return my {$110.00} within 5-7 business days. On XX/XX/2020 I was left a voicemail by XXXX with the BBVA Client Care Solutions Department and told that she determined this was not a banking error and that I would not get a refund. I tried to contact her by phone and email, but never was able to reach her nor get a return call/email. How is {$110.00} in late fees in XXXX without documentation even justifiable for a {$40.00} annual fee that was paid immediately upon receiving their bill XXXX XX/XX/2020 ), let alone the fact they reported to me in writing that my account balance was both {$0.00} AND now closed on XX/XX/2020? They said one thing on phone, but are trying to rip me off in reality. Please hold the bank accountable and help me get the refund of {$110.00} of bogus fees! Thanks so much!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Law Offices of Quinn M. Kofford, P.C.
State: UT

Complaint narrative:
This company would not tell me what it was about when I asked the repeatedly what company they where what the person 's name was the caller was trying to get information from me with out letting g me k ow who and what company they are I advise I will not let you know who I am until you tell mr what it is about and what company it is agent was very rude and immediately hung up the phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03 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:
XXXX XX/XX/2020 I applied for an auto loan and unfortunately the loan was not approved because when they ran my credit. I was told that there was an account in derogatory standing on my report. I don't know what they are talking about so I looked through my credit report myself and saw the account that does not belong to me. The accounts were XXXX XXXX  XXXX  XXXX balance {$290.00}, XXXX XXXX XXXX  XXXX balance {$0.00}, XXXX XXXX XXXX XXXX balance {$7500.00} and XXXX XXXX  XXXX balance {$64000.00}. I did not open these accounts and I did not allow anyone to open it in my name using my personal information. I did not benefit anything as a result of these accounts being opened in my name without my permission or don't have a contract or agreement with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: CA

Complaint narrative:
XXXX XX/XX/2020 I applied for an auto loan and unfortunately the loan was not approved because when they ran my credit. I was told that there was an account in derogatory standing on my report. I don't know what they are talking about so I looked through my credit report myself and saw the account that does not belong to me. The accounts were XXXX XXXX  XXXX  XXXX balance {$290.00}, XXXX XXXX XXXX XXXX balance {$0.00}, XXXX XXXX XXXX XXXX balance {$7500.00} and XXXX XXXX  XXXX balance {$64000.00}. I did not open these accounts and I did not allow anyone to open it in my name using my personal information. I did not benefit anything as a result of these accounts being opened in my name without my permission or don't have a contract or agreement with this 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 explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclay Card US I opened a dispute regarding a purchase in XXXX and the process to file the dispute was very long and complicated. I was told to upload documents and explain what had happened. A month later and the credit card company closed the dispute without informing me and when I called them they said that I would have to write in a letter to re-open the case. They can not accept emails or calls to re-open the case. I was told that I needed to provide purchase receipts, statements and emails all of which I had already provided when I opened the dispute. 
I asked to speak to a manager and logged 2 complaints. The first complaint was not recorded and the second complaint I was promised a call back from a manager within 7 days. 10 days later and I still have not been contacted.

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 2020-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Hello! 
I accidentally sent money to the wrong person on Venmo on XXXX in the amount of {$1300.00}. 
Venmo tells me there is nothing they can do and that's it. 
The person gets to keep the money. 
I can not believe that they can not do anything and Venmo is not responding to any of my requests for inquiry. 
I have contacted the person I sent the money to on several occasions and and they are not responding. 
What do I do now? They are not assisting in any way. 
Any help would be greatly appreciated! 
Thank you, XXXX XXXX : XXXX XXXX Request for inquiry # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
On XX/XX/XXXX, I accidently sent {$100.00} to an account that was closed at XXXX XXXX XXXX. As soon as I hit submit, I realized my error. It was XXXX XXXX on Sunday night, so even though I tried to correct the error, I was only able to reach customer service automated line. I called my bank first thing Monday morning ( NYCB ) and reported the error. I was then told I would see the refund in my checking account on Friday, XXXXThat did not happen.On XXXX XXXX, I received a notice from NYCB that they would investigate. Approx. 2 weeks later I received notice the case was closed and there was nothing further that could be done. On XXXX XXXX, I called NYCB again and spoke with XXXX and she informed me that the manager would reopen the case. Today, XX/XX/XXXX, I called to get an update and was told the case was again closed and nothing can be done. They told me to contact XXXX XXXX again. I reiterated that XXXX XXXX did not accept the money due to a closed account. ( that is what I was told by XXXX XXXX ). I am reaching out to you at this time, cause I am at a loss where to turn to next. It is a lot of money, especially at this chaotic time. Please contact me for any further info I can supply you with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Army and Air Force Exchange Service
State: KS

Complaint narrative:
My personnal information was used open an Exchange Military Star Card account on XXXX XX/XX/2020.

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 2020-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I had a mortgage through Bank of America for a condo I owned in XXXX, MA. I sold the condo in late XXXX, and Bank of America sent me a check for {$3700.00} for excess funds in my escrow account. This was right around the time that we had a child, however, and I wasn't able to deposit the check before it expired. I called Bank of America in the spring of XXXX and spoke with someone who told me he would look into it. I then received a notice in the mail, dated XX/XX/XXXX, telling me that the first check had been canceled and that a new one was being issued and sent to me. I have never received this check. I have tried calling many times, but have not been able to connect with a real person. I also sent an email through the website several weeks ago and never received a response. I have both the account number and the case ID from the call.

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 2020-11-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
During a refinance an auto payment was made to the existing loan {$1400.00} but was held because the closing had already been scheduled. After the closing Freedom Mortgage couldn't account for that money. I have called multiple times to the servicing and closing departments and neither can reconcile. First they claimed it went to the original loan, then claimed it was applied to the new loan, then claimed it was transferred to escrow, as yet they have not been able to provide a statement that accounts for the missing money. Most recently I spoke with XXXX XXXX Closing advisor Direct line. XXXX. He escalate the request for updated closing and payoff documents more than a month ago. I also spoke with XXXX ID # XXXX and XXXX ID # XXXX each claimed to sending those requested documents but after 2 months neither have, I have requested a supervisor call to resolve and have never received a call back yet.

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 2020-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
I received two summons for two Bank of America credit cards from XXXX XXXX  XXXX. I asked for documentation of these credit cards and they sent me statements with a balance transfer, no indication of card it was transferred from, and also stated they didnt have any electronically signed contract. I asked them if they could send me that and they just kept telling me that if I want anymore information I need to contact a lawyer, they wont provide me with anymore information. I just want to make sure this debt is in fact mine before I pay a debt collector company. I also asked if I could speak to one of their lawyers since the paperwork I received said XXXX XXXX XXXX, attorneys at law. She said they dont have any lawyers available and if we want to contact anyone else I need to have a lawyer contact them. I told her to leave a message with one of her lawyers, she said I can try but cant promise anything. One card says opened XXXX of XXXX, and the other opened XXXX of 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 2020-11-03 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: DISCOVER BANK
State: NY

Complaint narrative:
A Discover Credit Card Acct # XXXX was opened XX/XX/2018 without my knowledge or consent. When I learned about the account, I contacted Discover and told them and was promised they would complete and affidavit of fraud and remove the account within 30 days from my credit files. Discover never sent any documents and then started reporting the account as late payments a few months ago and destroyed my awesome credit score causing a 198 point downward spiral. 

The company did not remove this account despite being told that I suspected that one of the employees at my apartment building, who has since passed away, is who I suspected of having done this, though I was not certain and had no proof.

I have disputed and challenged this debt multiple times, yet Discover continues to report the account and is unwilling to remove an account they know is not mine. All of my credit cards and accounts that I have present perfect payment histories. This account has caused me to have to pay higher interest rates and resulted in one of my accounts to have a credit limit decrease based on my current credit score. 

Please remove this fraudulent account immediately from all of my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/2020 I purchased an item through lay-way from XXXX XXXX  on this date I made a payment of {$100.00}. Prior to the payment I made another payment completing the amount for the Merchandise which was on XX/XX/2020 in an amount of {$1100.00}. XXXX  XXXX  refunded me the total amount of {$1200.00} to my account on XX/XX/2020. My card had a hold on it due to the amount of money being refunded back to the card to verify if I made that purchase. When the hold was lifted I noticed the amount wasn't added to my card. I called to verify about the amount. Representative explained to me that the money was sent back to the merchant on XX/XX/2020 as adjustment debit, due the fact the card only had a limit of {$1000.00} for returns. I've followed up with both merchant an TD paycard services to resolve the issue of my money but I haven't been able to get a answer as to where my money is at.

Company response to consumer: Closed with explanation