vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2018, I went to XXXX XXXX to purchase a wedding dress. When I walked in the bridal shop, there first question they asked me was, " what size are you ''? I told them that I am a size 4. They measured me and said that based on my measurements, I am a size 8. I assured them, that I am not a size 8. They were insistent and said that based on the designer 's sizing, I measured that size. I took them for their word, and put down a deposit of {$600.00}. The wedding dress came in a few weeks later. I went in for my fitting and the dress was too big! XXXX XXXX told me that now, I would have to pay {$650.00} and get four alterations to the dress. This doesn't make any sense. If you measured me to the designers measurements, how is it that the dress doesn't fit? I contacted the Dispute Unit at Citibank and they initially reversed the charges and gave me the {$600.00} deposit. XXXX XXXX responded and said that I signed everything and that all sales and showing the manufacture 's sizing for the dress. Well that doesn't matter, because the dress still fit too big. And it doesn't matter if I said any documents. This wasn't a final sale, and people break contracts and leases. Just because I signed something, doesn't mean that XXXX XXXX wasn't deceitful and dishonest. I realize they measure you to a bigger size, so that later, they can charge you more for alterations. I found an article from XXXX magazine that supports my complaints regarding XXXX XXXX. XXXX XXXX XXXX. This was a celebrity who came into the store and she is normally a size 12, and they told her that based on the measurements, she as a size 18. When she went to the fitting, it was way too big and she complained and got her money back. I am not a celebrity, but I should be treated with the same respect as she was. I feel ignored and honestly betrayed by Citibank. I've been with them for 13 years, and they decided to take the merchants word on this. It's disappointing. All I want to do is a plan a wedding and not think about this any further

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 2018-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I traveled to XXXX, XXXX, XXXX, XXXX and XXXX in XXXX, XXXX, and XXXX and my XXXX Card, which advertises " no foreign transaction fees '' charged a few dollars higher for each transaction made during my travel. I called on XX/XX/XXXX and was told they charge a " interchange fee '' which is built into their exchange rate. They use an inflated currency exchange rate. The rates are found on this website XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They don't use the real currency exchange rate, they use a higher one that will get more money for them on each transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
My husband XXXX XXXX passed away on XX/XX/XXXX. He used a Barclay credit card to pay his monthy fees to XXXX XXXX XXXX. On XX/XX/XXXX Barclay closed his account and sent his payments due to a collection agency. 

On XX/XX/XXXX I allowed a check of {$700.00} to a collection agency named XXXX XXXX XXXX XXXX XXXX to make a payment to Barclay Card to pay XXXX XXXX XXXX for fees due for XX/XX/XXXX and XX/XX/XXXX. 

As of this date, XXXX claims they never received any payment from Barclay for {$700.00}. When I spoke to Barclay they would give me no information but to say the account was closed with a XXXX balance and if I had a problem then I would have to call XXXX XXXX XXXX. 

When I spoke to XXXX XXXX XXXX they said they sent the money to Barclay. 

This has been going on since XX/XX/XXXX and at this time I can not book any time with XXXX and I can't OPT.. out of the program called Ovation until this bill is paid. PLEASE 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 2018-06-11 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I settled the amount on XX/XX/XXXX with the collection agency XXXX XXXX XXXX.  They never reported to the credit agencies as the stated they would in the letter thanking me for resolving this issue dated XX/XX/XXXX. They said that I would have to contact XXXX XXXX   myself. I did. XXXX sent me a letter dated XX/XX/XXXX stating that XXXX needs to change contact credit agencies. Nobody wants to take responsibility and do the right thing by simply reporting this settled account!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
Since XXXX, XXXX XXXXXXXX XXXX information for a car loan has not been reported. The vehicle was delivered voluntarily and the Bank sold. There was a balance and I have been paying and it was not reported to the XXXX agency. In XX/XX/XXXX, I decided to settle the balance of {$2600.00} and the account continues reporting a balance of {$7500.00}. This situation has affected my credit history and I have not been able to obtain loans.

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 2018-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
AmSher is attempting to collect on a debt that i do not owe .I mailed a certified debt validation letter to their company requesting specific documentation to validate the debt which are a signed contract with my signature binding me to this debt that they are claiming i owe.Also i asked for information regarding how much they paid for the debt, and other important documents which i have not received therefore the debt has not been validated Amsher only sent a account summery no signed contract .By law the FCRA requires debt validation which has not been done by AmSher they are in violation with the FCRA and i will file a lawsuit if this debt is not removed of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC
State: SC

Complaint narrative:
Some thieves stole the identity of a friend to disguise himself via my friend 's cell # and text. Because I trusted my " friend '' I wired {$1000.00} from a XXXX to another XXXX located in XXXX XXXX, Texas. Fictious names and addresses were used. The money was picked up 10 minutes after I wired it and I am sure XXXX has video of the person picking it up. These theives are still contacting me wanting more.They took the last of my savings. I don't understand why the local police in XXXX XXXX can not be at the XXXX when she picks it up. The theives are working out of XXXX.They are stealing from a scam called " XXXX XXXX ''. They have tried before through social media and I knew that was a scam. But since my friend texted me, I trusted him, he's an attorney.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 Days late as of XX/XX/XXXX I am  not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 2018-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
Today, XX/XX/18 my father was denied a loan for not speaking English. I simply told the company that I will be present to translate and that my father knows the basics but the contract I would be able to translate if he doesnt understand something. I was simply told that ot was not possible since I am not English speaker. The women simply just intorupted me and was very rude. I have never heard of such a thing before. I translate all the time and even have a business we run without English. I am just dissapointed and shocked!

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 2018-06-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Revenue, Inc.
State: NY

Complaint narrative:
I owed a debt at my former college, XXXX College. I couldn't make payments because i did not have a job at the time. they sent my debt to the collection agency XXXX XXXX, without my knowledge.. They never sent me any letters stating anything about my debt. fast forward to now, I need a copy of my transcript, they couldn't process because i owed a balance, I paid my balance in full which was XXXX $ on XX/XX/XXXX via the college 's website. and I called the school and they said it was sent to collections and i have to pay a collection fee, I explained I paid in full and some lady name XXXX XXXX who works at eastern revenue, was very rude wouldn't let me even explain myself and said point blank if I don't pay the XXXX $ they're not gon na remove my hold, even though I don't owe the college anymore ... My argument is, why should I pay an extra XXXX $ for a collection feee, they didnt collect? when I don't even owe the college anymore and they never collected anything nor made themselves aware that they were in fact collecting the debt ... .I have no type of correspondence from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a credit card from XXXX XXXX. I have requested them to 'auto pay ' my entire statement balance every month so that I do not have to pay interest charges. I first made this request in XX/XX/XXXX. I soon realized that their auto pay department is paying only {$35.00} from my XXXX XXXX XXXX checking account to my credit card. I had another round of discussion with them ( first over email and then over the phone ) on XX/XX/XXXX. I once again asked the 'auto pay ' team to pay my entire statement balance automatically every month. Today ( XX/XX/XXXX ) I again realized that they are paying only {$35.00} every month and charging me interest for the rest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX My husband, went to a Wells Fargo 24 hr ATM. He accidentally hit fast cash {$400.00}. It asked if he needed a receipt, realizing he hit the wrong amount he canceled the transaction, got his bank card out and then he proceeding to conduct his transaction for the right amount of {$300.00}. {$300.00} was dispensed and my husband left that ATM. A few days later I noticed a charge for {$400.00} and {$300.00} on my bank ( XXXX ) I proceeded to follow an ATM dispute. XXXX dispersed {$400.00} until they had a finding. Well, Wells Fargo came back saying that no error occurred, that these transactions cleared on two separate days. XXXX then took back that temporary deposit of {$400.00} on the XX/XX/XXXX when Wells Fargo came back and said that no error occurred. I have a {$610.00} ATM withdraw limit on my card, per day. My husband did not take out the said {$400.00} and {$300.00} on XX/XX/XXXX. If he did, our card would have not allowed him too due to the {$610.00} limit withdraw on our card. However, Wells Fargo somehow cleared the transactions on two separate days? How is that possible when they were done back to back? Wells Fargo stated that they have different transactions happening in-between my husbands ATM transactions for {$400.00} ( Accidentally ) and the {$300.00}. After getting the run around between my bank ( XXXX ) and false information, we have tried desperately to rectify the situation ourselves. We went directly to Wells Fargo, and because we are not customers of them they can not help us. We then went to the Police station to file a complaint and they stated that we would need to take it to civil court. We would just like to receive our {$400.00} back that happened to " disappear '' due to a fault on Wells Fargo ATM. Also I would like to note that when Wells Fargo tried to " help '' us all they could tell us was that they their ATM numbers were " fine. '' I know an error occurred somewhere within the Wells Fargo 24 hr ATM, because my family and I are short {$400.00}. 


Attached will be the ATM dispute that showed the money was dispersed, even though we did not receive the {$400.00} because my husband canceled the order.

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 2018-06-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
On XX/XX/XXXX our contract with XXXX, XXXX ended and went on to a month-to-month. In XX/XX/XXXX we installed XXXX Floodlights front and back. On XX/XX/XXXX I spoke to XXXX and cancelled our service. He connected me to a sales person who stated that if I would start a year contract they would be able to keep our payment at {$34.00} instead of the new monthly payment of {$53.00}. I declined the offer. On XX/XX/XXXX I received an E-Mail entitled " Your XXXX   Services Have Been Cancelled ''. In the body of the E-Mail it stated " You will receive a final statement within 30 days of the service discontinuance effective date. '' For safety I placed a STOP Payment on my bank account on XX/XX/XXXX for {$34.00}. On XX/XX/XXXX I received an E-Mail from XXXX stating {$53.00} was due by XX/XX/XXXX. On XX/XX/XXXX XXXX removed {$53.00} from my bank account. When I found out what happened I filed a dispute with my bank and XXXX returned the monies to my account on XX/XX/XXXX. On XX/XX/XXXX the bank placed a STOP ALL on my account. According to XXXX 'S Alarm Records, on XX/XX/XXXX they did a test at XXXX XXXX and it came back OA-Out of Service. On XX/XX/XXXX I removed and disconnected all their equipment. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ft.   Washington, XXXX XXXX XXXX advising me that this account was put in collection. I immediately called and spoke to XXXX and verbally gave her all the information and she stated that she would file a dispute and to call back in a couple of weeks. On XX/XX/XXXX I called and talked to XXXX and she stated they had not heard anything. On XX/XX/XXXX I called and spoke to XXXX and she stated that the dispute had been resolved and a letter was sent to me. On XX/XX/XXXX I received the letter from XXXX XXXX XXXX XXXX showing the {$53.00} as still due along with a copy of the bill effective XX/XX/XXXX to XX/XX/XXXX and a copy of an E-Mail dated XX/XX/XXXX stating that the automatic payment was declined. I called and spoke to XXXX and he said that he would put it in dispute for another 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: FIRST MIDWEST BANCORP, INC.
State: IL

Complaint narrative:
I couldn't pay the money to get my credit score I'm on a fixed income

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 2018-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: WA

Complaint narrative:
I applied for a loan for a new mortgage, after I sold my existing home. The lender, " Loan Depot '', is  the same lender for both loans. 

I have had difficultly with the account manager XXXX XXXX at Loan Depot, who I believe at this time is negligent in the handling of the paperwork I continue to submit to her over and over again on a weekly basis. I ask for verification that she has received the paperwork I have submitted to her, but never hear from her until late Friday afternoon asking for the same paperwork I sent to her earlier in the week. 

Last Wednesday XX/XX/XXXX, I requested someone different to follow this process through to her and my loan officer. She said no, she would be the one to follow the loan. 

I also feel at this time, she is doing it out of harassment because I am so vocal about her incompetence regarding the paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: Continental Finance Company, LLC
State: CT

Complaint narrative:
My account ending in XXXX with Continental Finance was closed, supposedly brought to a XXXX   balance. I received a statement today showing I owe XXXX XXXX, there is a finance or maintenance fee in this amount. This does not make sense as account is closed, there should be no fees or charges added to 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 2018-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
XX/XX/XXXX we filed for a loss mitigation program through mortgage managements consultants. We were in a 3 month trial payment plan. We made all of those payments. In XX/XX/XXXX we had a notory come to the house and signed papers for the new payment. During this process mortgage management consultants sold our loan to carrington mortgage. We were told to not make a payment for XX/XX/XXXX. We made XX/XX/XXXX and XX/XX/XXXX payments to carrington even tho we were never sent final paperwork about our loan being sold. We were never given a new loan number from carrington. Also they were sending us mortgage statements saying that we owed them {$40000.00}. Then all of a sudden we got papers after XX/XX/XXXX saying that our home was going to auction. Then our house was sold at public auction. There was an investor who purchased it but it go into his name until XX/XX/XXXX. We are still living in the home and we shouldnt have to move. The mortgage company has had several complaints and problems filed against them. When I call our old mortgage co they said everything in our file has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I went to Bank of America. XXXX XXXX XXXX. XXXX, PA XXXX around XXXX today XX/XX/2018 and had a check to cash from my insurance. I waited for the next teller and when I got to the counter I explained that I was not a customer but the check that I needed to cash was from an account holder with Bank of America. I was asked why I didnt take it to my bank and I replied that I have been out of work for over a month now due to XXXX XXXX and had XXXX. My bills got behind and I am trying to keep lights on and not have stress worrying about my car being reposessed and I can't wait 3-5 days for it to clear at my bank. I went on website and saw that they advertise that they will cash a non account persons check drawn from the Bank of America for no more than {$5000.00} for a fee of {$8.00}. So I figured it was within tights to cash it there and get bills taken care of and relieve some stress from myself. I was then told that they did not have {$5000.00} cash on hand to cash it and not for someone without an account with them. I said if I open an account how soon can I pay bills from it. I was told 3-5 days and that she new this to be right because she was the Bank Mamager. I was so upset and embarrassed at this point that I left the building and came home. When I got home all hysterical my Husband said to calm down and he had me call FTC at XXXX. I spoke with a lady named XXXX that gave me instructions to file on line. She offered to do it over phone as well. I hung up the phone and called XXXX to get the lady managers named on duty today and was told her name is XXXX XXXX. So now I have the name of the teller that I talked to since she addressed herself as the Manager. I tried to call over the weekend to verify the information was correct. XXXX and could not talk to a live person unless I had an account number. I do not feel I was treated fairly and they advertise that they will cash a check for Thats amount for a fee.

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