vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been a customer of Citibank for over 16 years. Within the past two years, the Bank began to sneakily begin charging me a {$25.00} service fee every month. Despite never having had to pay this fee before, they began charging it to me without my knowledge or notification. I called today about the fee, and it was clear that this was instituted to catch people like me off-guard, as I was able to move, without any difference in service, to a free account. They were only willing to reimburse me for three months of the fees, however, despite the fact that I have paid more than 10 of such feed.

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 2018-04-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding erroneous items on my credit report involving a transaction with. I was saddened to learn that you somehow verified these disputed items, with my address and social security number, dont know how you did it, but, its not correct because XXXX XXXX XXXX XXXX NOR THEIR CLIENT has this account number attached to THIS ADDRESS! With a signed contract that bears my signature. And they are electing to leave this error ON my 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 2018-04-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
Pursuant to Fla. Statute- 673.3081- A defendant may denied in specific the authenticity of any document presented as the original promissory note and any possible signatures contained in the complaint. 

On XX/XX/XXXX, we submitted a written request under section 6 of the Real Estate Settlement Procedures Act. On XX/XX/XXXX, we received a response from XXXX XXXX on behalf of Flagstar Bank, however XXXX XXXX failed to respond to the questions that was asked and instead claims that it is unclear from our correspondence what we are requesting or disputing. The written request is very clear and to the point. The note reveals an endorsement by XXXX XXXX XXXX senior vice president, flagstar Bank. XXXX XXXX provided a copy of the note reflecting the same endorsement naming XXXX XXXX XXXX therefore he knows too well what we are asking and is refusing to respond. We ask, if XXXX XXXX XXXX was ever employed by Flagstar, we also ask if XXXX XXXX XXXX holds the office of Vice Presidient of Flagstar, we ask when XXXX XXXX XXXX employment started with Flagstar and when it end. Pursuant to the Florida Statute, a debtor has ever right to question the authenticity of any signatures on the note. The record reveals that XXXX XXXX has knowledge of the questions being ask because he himself provided a copy of the note reflecting the name of XXXX XXXX XXXX. Therefore if he already provided this information it does not make any sense that he would not answer to the questions when he clearly knows too well that the question is very clear and he knows the subject matter. By providing a copy of the note reflecting the name of XXXX XXXX XXXX, XXXX XXXX has placed himself in a contradictory position claiming he knows nothing or that does not understand the question, XXXX XXXX has provided a poor excuse that not even him believes. In the Court of Appeals State of Arizona, in : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee ; Flagstar. The summary judgment was reverse by the appellate court in specific due to a False recording claim surrounding the endorsement of XXXX XXXX XXXX. The appellate court agreed with the defendant that the endorsement of XXXX XXXX XXXX was false and that there was no proof she was an actual employee of Flagstar. We have enough information to be believe that the endorsement placed on the note by XXXX XXXX XXXX is false and we demand that flagtar bank respond to the written request under RESPA 6 of the Real Estate Procedures Act. The CFPB has jurisdiction over the matter and we ask that you act according to the law. Pursuant to the Fla. Statute and RESPA we have every right to demand an answer and therefore we ask the CFPB to enforce every statute mention in this 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 explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Telerecovery Corporation
State: LA

Complaint narrative:
I am a victim of identity theft. I mailed a letter, certified, tracked and registered, as well as other documents to ( Telerecovery ) on and around XX/XX/2018 which included an affidavit of Identity theft, three police reports from the XXXX XXXX Police attesting to and stating that my identity had been stolen on three different occasions, in three different years. Account ( s ) were opened in my name, without my knowledge as a result of the identity theft. After receiving this information ( Telerecovery ) has not responded and continues to report the unknown fraudulent medical account ( s ) on my credit report ( s ). The account ( s ) are : # XXXX, amount {$310.00}. I also requested that ( Telerecovery ) advise me as to the names and addresses of the health care providers, the name of the patient, medical service ( s ) provided and the reported dates of medical service ( s ). ( Telerecovery ) did not respond to this request either.

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 2018-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
i have an account with COINBASE so i was trying to get refunded thru bit connect with customer support and what they did to make it easier THE process they guided me on a share screen and needed my wallet address TO REFUND they made me send like $ XXXXto XXXX next thing it happened they empty my XXXX   account from COINBASE for about XXXX XXXX coins value at over {$34000.00} on XX/XX/2018 called 10 minutes after it happened to coinbase and they gave me case number XXXX and they locked my account right away and said a specialist would take over i only have a confirming email stating that somebody will get in touch soon i called again on XX/XX/XXXX and they say they got no response and was never seen by level 2 specialist and They were gon na put a higher priority so it can be contacted and no time frame at all being that i called after 10 minutes and when i tried cancelling online i wouldn't have an option to cancel luckily found the XXXX number thats when i called so I'm really desperate for help looking at previous reviews they said it could take months to get it resolved so just trying to get ahead and see i was hoping transaction will be cancelled since large amounts it could take time to be released so 10 minutes should've been more than enough I'm waiting for my account to be reopened with all my funds included if you can intermediate so get this issue resolved it will be greatly appreciated and if you have any suggestions on how to handle this org if i need to report to police authorities

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
On XX/XX/2018, a payment to my phone bill that I did not authorize came out of my Huntington account. The money was not in this account so my account was overdrafts. The payment was attempted two other times, which I also did not authorize, and three overdraft fees have been assessed, one of which I got returned. The total amount I am out so far is {$75.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: U.S. BANCORP
State: MI

Complaint narrative:
Id Name XXXX XXXX. XXXX ss # XXXX. I had maxed my credit limit on my US bank credit card # XXXX expiration date XX/XX/XXXX. I made a payment of {$63.00} XX/XX/XXXX while online and speaking with a representative, the representative proceeded to process another payment of {$63.00} which was not my intent because the second payment overdrew my banks account. I asked for the second payment to be refunded, which was granted. I then proceeded to my person bank when my checking account is held to consolidate this loan with my medical credit card ( XXXX XXXX ) so I could better handle my payments being that I am recovering from an illness/surgery. I was charged interest and late fees. The late fees was refunded. The problem began when I sought the true balance and was given this amount {$2300.00} on XX/XX/XXXX ( cashier check # XXXX from XXXX  XXXX XXXX XXXX ) only to be informed via my online statement that showed a different amount and me having a balance due amount of {$63.00} on XX/XX/XXXX and upon contacting the bank the representative tried to convince me that I still owed that amount. On XX/XX/XXXX there is a charge of {$29.00} on a purchase when I purchased nothing. Interest charge of {$.00} on a balance transfer. I never heard of this when I am paying the balance as I knew it to be. Then there as a {$4.00} charge for a cash advance, where did this come from? Today according to my online statement there is a new balance due of {$95.00}, where this come from, and how can the outstanding amount due continues to grow when the payment date haven't arrived. 
I am getting the impression that US Bank doesn't want me to pay off my account and is adding charges thinking that I am a female senior who doesn't know how to read and or do basic math and will just pay the amount shown and if not the above state fees will continue mounting. This is unfair business and banking practices. This is equivalent to payday loans or loan sharking.

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 2018-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
The mortgage company would not allow me to make pre payments on bi-weekly basis and would send me default notices. Even after making and additional annual payment and additional principal payments. They wanted to force me to use their products to pay down my mortgage. XX/XX/XXXX & XX/XX/XXXX they told me to stop making bi-weekly payments. So now I have to pay extra interest because they dont want me making bi-weekly 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 2018-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I had an American Express XXXX XXXX. XXXX switched to XXXX XXXX. I mistakenly sent a {$310.00} payment to the Amex account instead of the XXXX account on XX/XX/XXXX. My bank shows that the payment was processed. XXXX is telling me I have to work with Amex to find the payment and they are not allowed to contact Amex regarding customer payments. 

I've made several calls to Amex, approximately 6 calls, spoke with at least 20 different reps and spent more than 5 hours since my first call.. The most recent was last week, XX/XX/XXXX with the Amex Corp Office. Finally someone confirmed they received the payment on XX/XX/XXXX for {$310.00} and asked me how I would like it refunded. I said wired back to the account the payment came from. I gave my ckg acct #, and routing # and the rep told me the money would be in the account in 3-5 business days. Today is the 7th business day and there is no money in my account. I made a call today XX/XX/XXXX and spent 45 minutes on the phone with Amex to be  told they could not find the account because they no longer have access to it. They kept referencing my corporate card account and I repeatedly told them that is not the correct account. I was told by XXXX/amex rep I would hear something back in about a week and it should be resolved in 2 weeks. I have 0 confidence this is the case. XXXX told me to call the number on the back of my card and I again had to tell her I don't have the card because it was closed 2 or more years ago. Then she said. Oh! Right. I forgot that. I hung up the phone feeling aggravated and defeated and know that I will spend more of my life on the phone with Amex because I will have to call them back to again try to resolve this issue. I've got {$310.00} of my money floating around Amex and no one is trying to help me get it back when it's been confirmed they received it. What can I do??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I received an alert on my credit monitoring site indicating there was some company named IC Systems reporting on my credit file. I disputed it but was only told that it was verified. I never opened an account with IC Systems nor does the amount for $ 800+ even sound like an account I opened. This account is not mine.

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 2018-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Last year 2017, I notice that XXXX XXXX XXXX was reporting several collections on my credit report. I have disputed these accounts several times directly with the credit bureaus, they responded that the collection agency has verified the accounts as belonging to me. However I have not received any physical proof of how these accounts were proved to as belonging to me despite my numerous request. Disputes directly to the credit bureau were sent XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 and as of date no physical proof of how these accounts were verified were sent to me. I even went further to contact the collection agency directly and request validation of debt as of date this company has failed to respond to my numerous request and also continuous to consistently report negative and inaccurate information. Request for the debt to be validated was sent via certified mail XX/XX/2017.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
On XX/XX/2018 I called Velo Law to get the amount owed because I was approved for a loan to pay off all my debt. Upon calling I had found out that they added an additional {$400.00} to my original debt and so I asked to speak to a manager. A very rude woman named XXXX said I would need to mail in written request. I asked to settle for the original amount and was told that i had to fill out a monthly financial statement and offer a proposal. She was incredibly intimidating and offensive in her behavior. I then stated I was going to collect some information of my own and report this law office to the XXXX, to which she replied that i was threatening and disconnected the call. I didn't know it was a threat to initiate my consumer rights. This is absolutely disgusting behavior.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I don't know where else to turn. There is some company named XXXX XXXX reporting on my credit file and I have no idea who this company is. I never took a loan out or singed and agreement with this company. I don't know what this is and never received anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
We took out parent plus loans for both our children while they attend XXXX University and deferred the payments. When our son and daughter graduated from college in XX/XX/XXXX, our son and XX/XX/XXXX, our daughter, we contacted Navient to start the loan repayment process and hopefully lower the payments according to their income. But we were told we could not do that, after we were told this is how we should do the loans when they started college. we were also told we would be able to switch these loans into our son 's and daughter 's name after they graduated but that also isn't true. Now we and both our con and daughter are strapped with high interest payments for the next 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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 — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Hello my car parked and was totaled by a hit and run whiles parked. On XX/XX/2017. On XX/XX/2017 a payment was made to Toyota Financial services in the amount of {$10000.00} there was a balance of {$3900.00}. I had gap insurance to pay the balance. Which they did but they didnt pay it till mid XX/XX/XXXX. I had purchased a new vehicle in XX/XX/XXXX. I feel it is unfair that my credit Has to suffer with late notices because the gap insurance took so long to pay the balance. They knew I had gap insurance and that they would pay the balance. Plus they already received over a {$10000.00} payment I dont see why a hold was not placed on the account giving time for the gap insurance to pay the balance. I think it is unfair because why should I continue to pay for a car I no longer am driving and that my gap insurance will be paying the balance that makes no sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
Background : Ditech sent an Annual Escrow Account Disclosure Statement dated XX/XX/2018 stating that my escrow account had a shortage of {$410.00}. I paid my escrow shortage in full. It was recorded by Ditech on XX/XX/2018. 

Prior to receiving notice of an escrow shortage, I paid my XX/XX/2018 mortgage payment in the amount of {$1500.00}. This payment was recorded by Ditech on XX/XX/2018. However, due to the shortage of {$29.00} ( monthly increase in escrow ), my XX/XX/2018 payment was applied to principal only.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I opened a checking account using an offer code for a XXXX dollar bonus to open an everyday checking account back in XX/XX/XXXX and I followed all the rules, but they did not award the bonus. After calling multiple times, they said incorrectly that I opened my account XX/XX/XXXX, then that I had requested to close the account. Talking to a supervisor, she said since there was no activity on the account for 30 days, it was closed. But she said XX/XX/XXXX was the last day of activity and I called today, XX/XX/XXXX. Then she changed it to XX/XX/XXXX. But who has ever heard of that? Closing a checking account after 30 days of inactivity? I had additional calls to them and one lady counted out the days that I should have the bonus by XX/XX/XXXX. That did not happen, so I called up and a man said he was submitting a form to research the bonus and that he would call me back by today, and he even sent me his e-business card in an email, but none of that happened, but the account was closed. I am real confused. Anyways, I talked to a supervisor again today XXXX many of them have thick XXXX accents and it's difficult to understand them XXXX and she said she was submitting a form to research it.

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 2018-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally financial calls me all day every day if there is a late payment. Including when I call them to let them know the payment will be late. It is interfering with my work at this point and if I lose my job then no payments will be made. This is harassment. In the attachment you will find today 's calls three times in a period of an hour and a half.

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