vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-30 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: STATE FARM BANK, FSB
State: TX

Complaint narrative:
I had an account with State Farm Bank, ( credit card ) with a small amount outstanding. In fact I rarely used that card due to its high interest rate. 
I was reported to credit reporting agencies according to the Bank on XXXX occasions for late payment. 
I never received any statements from them, either by mail or e-mail. In fact after receiving a letter from them several months ago, I asked them to send me paper statements. I was told they would but in fact that never took place. 

I subsequently spoke with a supervisor who asked me if I had been made aware that their e-mail services were not compatible with a XXXX browser. This information was never relayed to me, hence the statements were never received. Once again I asked for paper statements, and once again, the bank omitted to comply. 

I asked the supervisor to start a review to remove the bad reports to the credit reporting agencies. 
Received a letter from the bank 2 days ago stating that " the i related to my recent credit reporting dispute, has determined that the information we provided to the consumer reporting agencies was accurate ''. 

In this case obviously, the bank was negligent in providing relevant and necessary information to me ( the client ) regarding browser incompatibility and failed on two occasions to comply with my request to provide me with statements via XXXX as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: OR

Complaint narrative:
I found out about late payments on my loans ' histories, and called to challenge their legitimacy. I spoke with a woman named " XXXX '' ( ID XXXX ) from Fedloan Customer Service, who advised me to file a Credit Dispute Form. I faxed this form directly to Fedloan, and uploaded an additional Goodwill Adjustment request online. Essentially, I pursued both formal, and informal, requests for Fedloan to " hear me out '', as I did not believe they failed to provide any proper notice. " XXXX '' reviewed my account and disclosed the address that one letter, over the lifetime of my 20+ late payments, was not listed. In addition, the email address was invalid, and no records of a phone call existed in regards to the late status of my account. 

Later in this complaint I will attach the PDFs of both the Dispute Form, and the Goodwill Request, the latter of which contains the record of my XXXX Credit Report to verify the listing of the late accounts. These were submitted on XX/XX/2017, and I have not received any contact, via email, phone, or letter in regards to these claims. With this being day 31 since the dispute was filed, I would like to report Fedloan 's inaction to the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: IL

Complaint narrative:
XXXX years ago, I enrolled in an XXXX certificate course at XXXX Illinois. At that time, this school did not have a degree program in XXXX. This was one class that would award a certificate after completion. I did n't need a XXXX for this course ... I did n't have one at that time. There were no credit hours given ... there were no other classes to take. These loans were to cover the term of the course. This was not toward a degree of any kind. This class started in XXXX. and let out for XXXX break ... to restart in XXXX.. I did return in XXXX, only to find that my class had no instructor. This course had two parts ... the entry level and the advance. There were no instructors for either. Me and other classmates heard that there were money problems, but no one knew for sure what it was. We came back the rest of the week ... staying for a little while and leaving ... until we were told not to return and we would be notified. I never heard back and left the state after what I thought reasonable time of waiting had passed. I had class for two months ... then they closed the class ... there was no other class to take. This was the same as a school closing and a discharge of these loans should be done 27 years later. This school or AES has no information on this mater. I could understand if this was a degree program and I could have took another class the continue with my degree ... I could see if I quit and changed my mind about school all together ... I could see if I got my certificate and could not find a job in that field and did n't feel that I should pay ... but none of this is my case. Why should I pay {$14000.00} for these two months of XXXX when the main part of the class was closed to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank had a promotion requesting general public to open saving account, maintain the required balance for 3 months and receive the cash bonus. Through their promotion page, I enrolled, opened the account and maintained the required balance. Citi bank promotion page did not say it was a targeted promotion. 3 different citi bank phone representatives confirmed that I have met the requirements of the offer and even gave me a date that by XX/XX/2016, the cash bonus will be credited into my account. On inquiry in XX/XX/XXXX, I was first told that it was a targeted promotion. When I proved that it was n't, I was asked to visit the nearest branch to submit all the documents and they will help me resolve the matter. The Branch officials simply washed their hands saying since I opened it online, I should contact the citi bank phone officers. Citi bank Customer support seems clueless about the matter where they are agreeing that I met the conditions but do not know how to resolve 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 monetary relief
Consumer complaint received 2016-04-24 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have the citi prestige card. It is supposed to reimburse your airline credit in the amount of {$250.00} every year. I made a purchase on XXXX XXXX on XXXX XXXX. When it did n't post i called and they told me that i needed to fax in a copy of my ticket. I did this, waited a couple weeks and called in again. They said they never got it. I then talked with XXXX from team XXXX who assured me that this would be taken care of if I emailed him a copy of my tickets. I emailed it to him like he said - elite @ citibank in the subject line i put attn : XXXX, team XXXX. My husband also had to do this. Eventually my husband 's posted but mine still has n't. 

Here is where it gets even worse, i have now contacted citi about this 11 times.On times 1-9 they said that i would post on next statement and if it did n't they would follow up with me. Well, very frustratingly, they have never posted and they never follow up with me. Yesterday, through private message ( time # 10 ), XXXX told me it did n't qualify. This floored me after all these contacts i have had with citi and i called in. The lady i spoke to 2 mroe times yesterday assured me that she would contact her supervisor when he arrived and call me back and take care of it. 

Guess, what, she never called back! I know this should n't surprise me as that is what everyone has done. I would encourage Citi to go back in and look and the contact i have had and time i have devoted into getting my airline credit on this expensive card. I have no doubt spend over 6 hours of frustration trying to get this done on my time outside of work. I am very highly disappointed in Citi 's actions. It seems to be a textbook case of how not to run a business.

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 2015-10-29 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
CitiBank refuses to honor their printed terms and conditions to give me XXXX Thank You Points for every dollar spent on a cruise charged to my CitiBank Thank You Premier credit card. Their written terms and conditions ( T & C ) state : XXXX Thank You Points for every dollar you spend on purchases at ..cruse lines. Further down on the T & C it specifically states : " Cruise lines are classified as merchants that provide passenger transportation on the open sea or inland waters for the purpose of vacation or pleasure and operate predefined and advertised routes ''. 
My credit card charges ( dated XX/XX/XXXX and XXXX/XXXX/15 ) are listed as for " XXXX XXXX XXXX '' in a category called " MISC AMUSEMENT / RECREATION SERVICES ''. The total amount of the XXXX charges is $ XXXXCitiBank says that even though this is a cruise, because their system code for this charge was NOT a cruise code, they will not honor their terms T & C. They say they have sent this matter XXXX to their dispute department and my request has been rejected XXXX. They also tell me if my car repair shop ( or anyone else ) sent in a charge with the cruise code I would get the XXXX points per dollar spent. CitiBank says it is not their problem if something is mis-coded. They say the actual facts or truth as to what was charged does not matter, nor do their T & C. Only the coding matters.I disagree and look forward to assistance from your office in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
My interest payment is XXXX and the car payment is XXXX. I was assured by the loan originator at XXXX in XXXX California, that once I purchased the van with their financing I would be able to easily to get a lower interest loan by refinancing at my credit union, however this was not correct, I went to the credit union and the purchase price was too high and the credit union would not take my loan, so I am stuck paying XXXX per month in a desperate attempt to lower the principal amount, however this is impossible. I am retired on a pension and social security and felt as though I was baited and switched on the auto loan, and taken advantage of because I was in a desperate situation regarding transportation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: FL

Complaint narrative:
I have written to Statebridge Compnay at least four times pointing out that they are inaccurately reporting late payment and past due information on my credit report. They have not responded or made the necessary changes as required by FCRA. My last letter were dated XXXX XXXX, 2015 which is attached together with a copy of the credit report excerpt showing that they are reporting XXXX pays due on the payment status line and in the 24 month pay history ( XXXX days past due on XXXX. ) Additionally, you can see that they are also reporting different past amounts. This can not be 100 % accurate as required by FCRA.. I do n't understand how they can avoid compliance with the law. I need your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Collection Agency : XXXXIs reporting inaccurate collections account on my credit file. I have disputed this account several months ago and they still refuse to remove it from my credit file. The last time I spoke with someone from the collection agency on XXXX/XXXX/15, the lady said that i had to give them 30 days to investigate. Although it had already been 2 months, I decided to wait 30 more days. I called today XXXX/XXXX/15 and the guy that I talked to today acknowledged that it had been more than 30 days since I last spoke with them on ( XXXX/XXXX/15 ) but told me I still had to wait because they still had n't received the info they were waiting on from the original creditor. I told him this inaccurate information is destroying my credit and I have been patient with them for at least 90 days but was still told I had to wait longer and they would call me if they heard anything. My original dispute was in XXXX 2015 and as of today ( XXXX/XXXX/15 ) this inaccurate account is still on my credit report. I am very disappointed because this collection agency still refuses to remove this from my credit file even though they have not been able to validate it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I had some inquiries fall off but were reinserted and I never recieved a 5 day violation which is a FCRA violation. I have contacted Transunion and they have given me no resolution. The inquiries are as follows. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/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 2016-11-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo opened a fraudulent account in my name and charged me fees for it. They have also shut down accounts i have in good standing for years because of one missed payment in which i was investigating due to the fraudulent account. I would like to have these accounts in good standing ( non usable ) at a lower interest rate due to the fraudulent account. If they are closed as derogatory this will affect my credit and since i am in the business of XXXX this will have a great affect on my career.

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 2017-01-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, a XXXX sales representative visited my home which I signed a contract with XXXX for a Bundle ( TV, Internet, Phone ) the bundle price was {$94.00} per month. The salesperson also acknowledged that since I am a XXXX I am eligible for an additional {$10.00} discount. After calling XXXX and their representative walked me through signing up for this XXXX discount XXXX then cancelled out my contract from {$94.00} monthly to {$150.00} monthly. I began receiving monthly bills for {$230.00} to {$400.00}. This is clearly fraud against XXXX. I called XXXX for months trying to correct this problems and was told by their representative that the amount that I am being charged on my bill is what I am going to pay. After not getting any results I then told XXXX to cancel my service because this breech of my contract. They then told me if I cancel my service I will be charged an additional {$200.00} cancellation fees. Now they have sent my information to XXXX different bill collections agencies that are now harassing me for monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: TN

Complaint narrative:
I have received an incorrect XXXX for XXXX from Caliber Home Loans. The property was purchased on XXXX/XXXX/XXXX for {$56000.00}, paid on for 11 years and sold at a short sale for {$20000.00} on XXXX/XXXX/XXXX. I have authorized my partner to talk to Caliber in trying to resolve this issue to no avail. This has been going on since XXXX/XXXX/XXXX and here it is XXXX/XXXX/XXXX. We have called at least 3 times but have been given the run-around by employees and supervisors. We have talked to Customer Service and Short Sale Department, but no one was willing to listen and re-send a corrected XXXX. We asked Customer Service to send us an itemization of how they came up with the {$100000.00}. We finally received the information requested a month later and quickly discovered the error made by Caliber. The amount written off on XXXX/XXXX/XXXX was {$52000.00}, and it was also written off on XXXX/XXXX/XXXX in the amount of {$53000.00}. Then, the XXXX were added together to total {$100000.00} which is supposedly the amount of debt canceled by Caliber. When I explained this to Customer Service who then explained to her supervisor, the response was they did not write the loan off twice and that the $ XXXX was fees and actually hung up on me. This is totally bogus and should be corrected immediately so we can file our XXXX income tax return. I have attached a copy of this itemization and underlined the errors along with XXXX XXXX. 
I will not be able to testify at a hearing because I am the XXXX for my wife who was XXXX and would not be able to travel to XXXX, TX. 
I would like Caliber Home Loans to overnight a corrected XXXX for XXXX. 
I can not file XXXX income tax return until this is settled. I would like Caliber to over night the corrected XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I went to a company ( XXXX ) for a medical issue that my doctor said was my last resort to avoid the XXXX I had to endure almost monthly. However, the company went bankrupt and gave their contracts to another company to which their lawyers sent out a letter to opt out of the next company and i did. Considering i felt as though it was a scam. I told Comenity that I opted out and they were bankrupt, they told me to go to the other company and try to get a refund. I tried multiple times to get info and refund or even get a location as to where that location was located. After talking to comenity for months telling them I could n't get a hold of anyone or get a refund with multiple disputes, they tell me to go down to the office that is located in the exact spot where I was getting XXXX before ( Am I they only person who sees scam? ). I get in my car and drive down there immediately only to find out that company is bankrupt as well. Comenity, now informs me to send a fax of all my XXXX history. I sent them a fax on XX/XX/2016 stating my contract was special due to my medical issue. That the usual contract was for XXXX treatments, I was allowed unlimited if my XXXX back and that due to XXXX I was able to get XXXX 3 times on other areas, but only once on the area i went in for in the first place, because you ca n't shoot lasers into an open wound. I got a letter back saying that I did n't put in the number of treatments. To which I went to their XXXX page livid asking if they were capable of reading. I got a number to escalated customer service explained the fax and a woman wrote in my exact details of the issue explaining why my issue was not cut a dry. I thought the issue would finally get resolved, but they closed the dispute, said I have to pay and the only way now to open a dispute is to write them a letter and find a copy of my contract from XXXX, that has now been chapter XXXX for over a year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-31 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
XXXX/XXXX XXXX recently changed to XXXX so new cards were issued to users. I attempted to call XXXX to get back statements from 2015 in order to do taxes ( I keep all business expenses on that card ). They told me I had to get that info from XXXX. I contacted XXXX and they said they had to request the info from XXXX and it would take 14 business days, which is unacceptable when just a week ago all this information was available online. Both companies are being difficult to work with and are unwilling to get me MY statements in a timely fashion. I have no recourse as the little guy dealing with XXXX giant companies and they are not giving me fair, timely information.

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