vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a targeted offer to open a Citi Priority Checking account with the Member AA Miles Checking Offer. The account was opened on XX/XX/XXXX and I received a " Congratulations '' email on XX/XX/XXXX to confirm my enrollment in the offer. To earn the AAdvantage bonus miles of XXXX with a Citi Priority account, I had completed the {$750.00} in Qualifying Citibank Debit or ATM Card Purchases and made 1 or more Qualifying Bill Payments for 2 consecutive calendar months. The bonus should have been credited to my account within 30 calendar dats of the date I completed all required activities so long as my account remained open and in good standing until I received the bonus. I completed the outlined activities by XX/XX/XXXX by spending $ XXXX with my Citi Priority Debit or ATM Card and XX/XX/XXXX I made the second consecutive Qualifying Bill Payment. I contacted support over the phone in XXXX to check on the status of my bonus- as 30 days had elapsed since the completion date of XX/XX/XXXX - I was told that I should expect the bonus to post 60 days after the end of the promotional period. The promotional window was for 60 days, which would mean if I opened my account on XX/XX/XXXX the 60 day period would end on XX/XX/XXXX and allow 60 days processing time to target roughly XX/XX/XXXX. I patiently waited until well after the estimated timeframe and reached out to Citi bank via their secure chat feature on XX/XX/XXXX. I had a very pleasant experience with a representative who confirmed I met the qualifying activity and they would submit a request to have it investigated and credited to my account. I was told to expect a response via the secure message center within 5 business days. I most recently reached out to Citi via the secure chat function on XX/XX/XXXX and asked about a status update. I was told that it was a different department and that I would be contacted when they have completed the investigation with no timeline given on when to expect a response ( at this point I'm guessing much more than 5 business days ). Given my patience and persistent attempts to get a resolution from Citi Bank, I am filing this complaint as the bonus offer was not fulfilled on their end per their advertising.

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 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Account XXXX XXXX XXXX # XXXX has violated my rights 1 5U S C 1681 section 602 A States I have to privacy 15 U S C 1681 section 604 A Section 2 it also States a consumer reporting agency can not furnished a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing this on behalf of my XXXX XXXX XXXX father. Someone took out a personal loan online through Wells Fargo in XXXX of 2021. 
We have been fighting with Wells Fargo ever since. 
We have proved 3 times that this is a fraudulent loan. 
There were charges made in AZ and we have proved that my father, XXXX XXXX XXXX was living and working in TX at the time. 
Three different times, Wells Fargo has stated to me, over the phone : clearly this is fraud, and then another dept has suddenly closed the case about it. I have submitted all of the paper work over and over. This is truly elder fraud abuse.

We are currently waiting for the money to be replaced and they keep saying that " It's hard to get the money replaced. '' After 14 months, I need help. I'm not sure what else to do. 
I have spent hours and hours on the phone with different departments, going to branches. 
Plz advise. My cell is XXXX. My name is XXXX XXXX XXXX I have the power of attorney so that I can act on my father 's behalf. Any help is much appreciated. Obviously, Wells Fargo is notorious for it's unethical biz practices for years and 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 2023-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MD

Complaint narrative:
I recently was made aware that a new collection item appeared on my credit file. Upon reviewing the information I was able to verify that this does not belong to me. I have never received treatment for any medical procedures and I do not owe any medical bills as I have health insurance. I have contacted this company and requested a copy of the original bill. The company failed to provide me. I have disputed this with the credit bureau and it is showing as verified. This is incorrect.

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax is about 2 months behind on accuracy on one of my credit card accounts, XXXXXXXX XXXX. This is causing my credit score to report much lower than it truly is. This issue started when XXXX XXXX  switched my card from XXXX to XXXX 6 months ago. I've reached out to Equifax but they did nothing to rectify the issue. Isn't this a violation of the Fair Credit Reporting Act?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: PA

Complaint narrative:
Please note that I submitted a complaint earlier in XXXX ( submitted XX/XX/XXXX, # XXXX ), but it was closed. I received a letter saying that CFPB concluded that the complaint did not come from me, but it did. On this site it says the complaint was closed because I had already submitted previously, which is not the case. 

Here is my original complaint : I submitted an Employment Certification form in XXXX of XXXX. Mohela 's website has marked the form as " processed, '' but the payment count has still not been updated. I submitted another Employment Certification form in XXXX of XXXX when I had, to my knowledge, reached the 120 payment count, but I have still received no updates. I have tried to call Mohela but can not reach a representative after over an hour on the line. I have also tried sending a message on their website. I understand the 90-day processing time for the form I sent in XXXX, but it seems to me that the form I submitted in XXXX should be reflected in the payment count by now.

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This complaint is about Equifax reporting incorrect and misleading information on my credit report with XXXX XXXX XXXX Complaint # XXXX Equifax are reporting that I was late 120 days in XX/XX/XXXX. But from XX/XX/XXXX to XX/XX/XXXX I was current. This doesn't make any sense. I wrote to them many times and Equifax refused to correct the incorrect and misleading reporting on my credit report. 

Complaint # XXXX XXXX and XX/XX/XXXX I was current. In XX/XX/XXXX Equifax report 30 days late. How can I be 30 days late in XXXX but current in XX/XX/XXXX and XX/XX/XXXX?. 
Equifax also reporting that I was late 60 days in XX/XX/XXXX and 90 days in XXXX. 

This complaint is about XXXX XXXX and how Equifax are reporting incorrect and misleading reporting on my credit report. 

Complaint # XXXX XX/XX/XXXX Equifax reported that I was 120 days late. How can I be late 120 days in the first month of the year? 

Complaint # XXXX XX/XX/XXXX to XX/XX/XXXX I was current on my payment. XXXX XXXX 30 days late, XXXX XXXX  30 days late, XXXX XXXX 60 days late and XXXX XXXX 90 days late. These late payments are not correct. 

Complaint # XXXX From XX/XX/XXXX to XX/XX/XXXX I was current. In XX/XX/XXXX reported 120 days late. This is incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo charged illegal fees at closing on things that never happened, as to foreclosure laws in Illinois and lied about fees and attorney fees. Because I was unable to receive a loan modification, I was forced to sell our primary residence. I have included some closing documents With erroneous fees with no apparent reason for them, as the house never entered foreclosure status with Illinois courts. 
I never received any summons which was included in their fees at closing was never contacted by any attorney. 
There is a line item for {$3700.00} for fees with no explanation. Also they charged {$2000.00} for lawyer fees with was over stated as lawyer only charged {$860.00}. Total fees were {$5700.00} for no apparent reason as the house was sold before any foreclosure action was taken.

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Reported identity theft for this account, they told me I wasn't liable to pay it. then they took the collection off of my credit report only to put it back on there a month later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Every time I would try to get a deposit In my account it didn't work and then they all the sudden started closing my account for no reason and taking my emails off my account saying they are not real emails when I know they are.

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 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I was in the Chase Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went up to teller to withdraw money from my account. I made small talk and conversation with the female bank teller about where I was going later that evening. Which we both engaged in talk of going out to a strip club and her favorite strip club. I left bank thinking nothing of the small 3 minutes conversation and everything being just fine. Only the next week to find my debit card transactions were being declined and my automatic car insurance was declined even though I had more then enough funds in my bank account. I call customer service and was told my account was placed on a fraud restriction. And told I need to be transferred to loss prevention..I was talked to as if I had committed fraud. And told chase bank was holding my money and had decided to close my account after 3 years with no explanation.. except I would receive a letter explaining more and a check in 30 days. I received letter yesterday. And it says their closing my account and accusinge me of '' inappropriate conduct with employees ''. No investigation, noone contacted me to discuss this or ask me about totally innocent 3 minutes interaction I had with teller. Just closed my account off a absolutely completely random false wild allegations. I'm planning to pursue legal action but I first would like to discuss this with someone at chase bank and file a formal complaint. I was told by a personal banker at another branch she would file a complaint for me and I will be contacted by a chase representative concerning the complaint. I have not be contacting by anyone this far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: ME

Complaint narrative:
I suffered a loss to my home on XX/XX/XXXX. XXXX. It burned down and left us without a place to live. 

I can not afford to rebuild due to not having enough insurance so I have to sell the property as is. 

US Bank received a check for {$150000.00} from XXXX XXXX on or about XX/XX/XXXX to apply to the loan as I was not able to rebuild. They have repeatedly failed to apply theses monies and continue to call and harass me about the past due balance. They are continuing to move forward with the foreclosure process even though they have this money. 

I have been trying unsuccessfully to sell this property since XXXX and US Bank will not send me the correct payoff documents. In fact, they have repeatedly sent the incorrect payoff documents which has held up this sale for nearly 4 months while I incur late charges and additional past due loan amounts. 

I am unable to work due to disability right now and don't have stable housing. I can not deal with this additional stress. 

I am making no money off of this sale and have to pay nearly {$21000.00} myself which I don't have. I can not afford an attorney to help me. I just need someone to assist me with this process. Thank 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 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank wrongfully closed my checking account that was in good standing, on XX/XX/2023 with a balance of approximately {$6200.00}, for no reason. We spoke to many representatives from Citibank, both in the branch and at the numerous phone numbers each Citibank representative provided, and no one knows why the account was closed. Aside from that, this checking account is my sole account and the only income I receive is from my monthly social security benefits that get direct deposited to this account, which I will not receive as a result of this account being wrongfully closed. Aside from this, my Citi credit card that is scheduled for bill pay at the end of the month will not be paid and this will impact my credit. In addition, Citibank didn't even send one letter, email, or even make one phone call to me notifying me that the account will be closed

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 2023-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I have an American Express Platinum card. One of the features is that whenever I rental car is booked using the card, a charge of {$19.00} is automatically charged in order to provide rental car insurance protection. This is a great feature of the card and protects the card holder in case of any damage to the rental car. 

However- if during the same rental another charge is made to the card ( such as for toll roads, parking fines, administration fees, deductible / excess charges for alleged accidents ) then another {$19.00} is automatically charged. Essentially, whenever any rental car company makes a charge to the card, {$19.00} is levied. 

This has happened to me on 4 occasions since XX/XX/2021. Amex refunds the erroneous additional charge, but my concern is that there are XXXX or XXXX of people out there who have not recognized this and so are owed money! 

It could be a huge scandal!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
I received haf funds XX/XX/XXXX. XXXX/shell point has doubly applied these funds on my regular monthly payments which includes insurance and escrow and as a separate fee for past due escrow as well that would be covered by the regular monthly payments applied. They charged me over XXXX XXXX in servicing fees during my forbearance and charged late fees. 
Before going into forbearance I was in a modification. I made the three necessary payments XXXX XXXX and XXXX plus made XXXX 's payments before requesting forbearance in XXXX of XXXX. XXXX  pulled the modification out from under me even though I was current and in covid forbearance and charged me for more than the amount I would have owed if I had not complied. Haf funds were to be applied as though normal monthly payments were paid on time. The credit bureau was not to be given report of missed payments however I was removed from my modification and overcharged, I had twelve months of missed payments to the credit bureau, I was over charged for the amount I would have owed had I not complied with my modification, my monthly payments were applied in full with haf funds but late fees and servicing fees in ridiculous amounts were charged and a separate amount of over {$14000.00} was taken for escrow and insurance even though it was included in the monthly payment. I had reported them immediately to the department of financial institutions in XXXX WI in XXXX and the woman on my case XXXX XXXX is still awaiting paperwork from XXXX  now shell point. In order to buy time I submitted a request for modification on XXXX XXXX XXXX, i picked up the certified loss mitigation package at the post office on XX/XX/XXXX. On XX/XX/XXXX I sent out the loss mitigation package and hardship letter. On XX/XX/XXXX I received a stand alone partial claim offer dated XX/XX/XXXX and XXXX days later a loss mitigation package dated XXXX XXXX  appeared in my mailbox with absolutely no postmark whatsoever. They are trying to justify the stand alone partial claim offered by making it look like I applied for modification on XXXX XXXX  however I have all documents necessary to prove that I did not request on that date but I did on XXXX XXXX  and I have the certified envelope I received from the post office. They said I applied XXXX XXXX  yet on XX/XX/XXXX reported late payment to the credit bureau. Also with haf fund rewards applied as though all payments were made on time and since I have been making on time regular payments for five years and nine months I find it impossible to see how anyone can believe that I have paid no more than 2 % of my mortgage and my current balance is less than a XXXX dollars below my original loan balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I done pay a lot of fees I shouldnt have and didnt receive back. Its been over 6 years ago u just got to go through 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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I do not understand how my credit score can drop from XXXX to XXXX on XXXX and from XXXX to XXXX on XXXX and XXXX knows what on Equifax ( because I can't find a historical graph on their website ). I have less debt than now, only 2 active accounts and I continue to pay the total debt down each month. The debt was much higher and I had more accounts with my score was higher. This makes absolutely no sense. I believe their algorithms need to be reexamined or human intervention needs to be applied. 

We're at the mercy of these credit report companies when it comes to these scores- it can affect our lively hood because employers consider it and it can also affect the purchase of a home. We have to pay for these XXXX scores, yet their calculations make absolutely no sense. I am trying my damndest to get this debt paid off yet my scores give no reflection of this. 

I feel this is just another scam on the middle class consumer. We're the little man with no power.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I do not understand how my credit score can drop from XXXX to XXXX on XXXX and from XXXX to XXXX on Experian and XXXX knows what on XXXX ( because I can't find a historical graph on their website ). I have less debt than now, only 2 active accounts and I continue to pay the total debt down each month. The debt was much higher and I had more accounts with my score was higher. This makes absolutely no sense. I believe their algorithms need to be reexamined or human intervention needs to be applied. 

We're at the mercy of these credit report companies when it comes to these scores- it can affect our lively hood because employers consider it and it can also affect the purchase of a home. We have to pay for these XXXX scores, yet their calculations make absolutely no sense. I am trying my damndest to get this debt paid off yet my scores give no reflection of this. 

I feel this is just another scam on the middle class consumer. We're the little man with no power.

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