vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
On Friday, XX/XX/XXXX, I used Remitly 's website to send {$300.00} to a XXXX bank account. I selected the service/option that will make the funds available within minutes ( they call it " Express '' ).  Right after submitting the transaction, I received an email informing me that the funds will be available on XX/XX/XXXX, XXXX XXXX. That's 3 days from time of sending. I called them immediately but for some reason, I wasn't able to speak to a rep. The next day, I called again, and here, I was able to speak to one, and got a vague explanation about partner banks not doing business on weekends. I honestly didn't understand the explanation, nor accepted it. I said okay, I can't do anything about it. They said they'll give me {$10.00} credit for my troubles, with an additional promise that the funds will arrive on the date and time promised ( XX/XX/XXXX, XXXX XXXX ), even earlier. It didn't. So I called them again right after I confirmed that the funds weren't delivered yet. They actually brought a rep from their partner bank in the XXXX The explanation was that this partner bank acted as intermediary to the destination bank, and that the transaction was still on process with the destination bank. I told them to cancel it, then and there, and I'm going with XXXX. This was around XXXX XXXX. I immediately sent the money through XXXX, and as it always has, the funds were there within a minute or so. Around XXXX XXXX, I received an email saying the Remitly transaction has been completed. 

This service does not deliver on their promise. Very frustrating. There are at least 2 promises here : 1. Within minutes - failed 2. The 3 days after date - still failed 3. Request to cancel since the transaction was not complete yet - ignored, they mention somewhere that this is possible as long as the transaction isn't complete yet

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America garnished entire payroll direct deposit as DEBIT FOR CHARGED OFF ACCOUNT XXXX XXXX without ANY notifications

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 2019-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander is refusing to apply extra monies I include with my car payment to go towards the interest instead they subtract my car payment and principal amount which is {$330.00} to pay the interest even though I'm sending them {$400.00} which would take care of the entire principal and leave {$60.00} to go towards the interest. Instead they are holding back the {$60.00} and telling me that they can't use it for the interest only for the principal amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Credit customer service are unprofessional. They do not assist with customer 's complaints and issues. They charged my credit card with fees and high interest rate. My credit card limit was {$3.00}. They charged me {$1500.00} with fees and interest. I was trying to pay them {$150.00} a month but they kept on charging me more and more. The credit card was use in the amount of {$2400.00}. They closed my credit card account and has reflected in my credit report/score. I do not owe the amount of what they are charging me. I have contacted the about this issue and they won't help 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 monetary relief
Consumer complaint received 2019-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX   partial account numbers : XXXX and XXXX ( page 29 of the attached credit report ). These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to past due on accounts that have a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this coding error.

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 2019-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
The Toyota motor credit settlement administrator is discriminating against actual victims! I submitted my eligibility form to be included in the settlement and was told I do not meet the eligibility criteria. In order to be eligible for the settlement I or at least one co-buyer on the account, must be XXXX-American, XXXX, XXXX, XXXX XXXX, or other XXXX XXXX ; AND You must have purchased a vehicle between XX/XX/XXXX, and XX/XX/XXXX, that was financed by Toyota Motor Credit Corporation. 
I am a XXXX woman who financed my second vehicle through Toyota motor credit in XXXX of XXXX at a 21 % interest rate so Im totally confused as to how Im ineligible. Its so hard to believe this disgusting treatment is still going on in XXXX all because of the color of my skin. Please help me get some justice from Toyota Motor credit and or the tmcc settlement administrator.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC Bank repeated calls by their consumer finance division on their secure credit calls are now every 15-20 minutes! I have asked them repeatedly to stop but they continue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Breit Law Office, P.C.
State: SD

Complaint narrative:
Was given documents back in 2016 advising that I owed a loan that was taken out in my name. I called and the advised that I can dispute the debit which I did. I never had a response until the end of XX/XX/XXXX when my check is being garnished. I have reached out to the collectors, and they have REFUSED to send any docs showing that I applied for this loan. I reached out to a lawyer and they refused to send docs to him also. I don't know when the " loan '' was taken out since they will not provide any proof. I do know the loan amount was {$2600.00} and now with interest its {$10000.00}. As of today the have garnished my checks totaling in the amount {$670.00}. I need help to hand this. I don't think its far that a company can start garnishing wages, but wont provide proof. Due to the garnishment I haven't had enough funds to pay my rent and other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2019, I went to XXXX XXXX to reload my American Express Serve Green card. The transaction was denied, but {$500.00} was taken from my debit card. The next day I called the payment services of XXXX XXXX at XXXX and was told to call back the next day when the transaction posted to their database. The next day, the transaction had posted, and I was short {$500.00} on my debit card, and it was not in my Amex Serve account. I was called by a XXXX representative who told me to go to the store and that the store would issue a refund. I received my {$500.00}. But, Serve has had my account locked since XX/XX/2019. I have not been able to take funds off of my account, and they state that the account is under investigation. I have called their customer service multiple times and have not been able to get my account unlocked. They've stated it will be unlocked in 24-48 hours, but it has been almost 30 days. Finally, one person from Serve told me that I should get XXXX XXXX to write a letter stating the problem was resolved and mail it to the mailing address on Serve 's website. This was last week on XX/XX/XXXX, and it should've been mailed on the XXXX according to the District Manager of XXXX XXXX that I talked to. My Serve account is still locked with no way for me to access any of my funds that were on there previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I noticed a collection notice placed on my Credit Report ( all 3 bureaus ) by a collection agency named Sequium Asset Solution on XX/XX/2019. The original creditor name is XXXX. This is not my account and I never received any collection calls from the collection agency or XXXX. 

I have no XXXX accounts so I reached out to XXXX, they said that they couldnt find any accounts under my name or the address i have lived at for the past 7 years. 

I then called Sequium Asset Solution at the phone # provided on the credit report ; XXXX. They couldn't find any account under my name or address either but they said they will get back to be. I didn't hear back from them so I called again and the same thing, they said they couldn't find any account with my information. I asked to be transferred to another department that could tell me more about this account. I was transferred to another department and they asked my for my SSN and other info. They still couldn't find any account under me. They asked me to fax them the Credit Report where is see the collection notice, i have been trying to fax them the credit report at the number they provided, XXXX, but that number is not accepting faxes. 

My Credit score has dropped by 100 points due to an account i never had and i am not sure how to get this resolved. The Collection agency has been of no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/XXXX I was advised of several high charges on my Bloomingdales store account. I contacted the fraud dept. immediately and we cancelled the store card. They would be investigating and sending a new card. Payments were on hold. I haven't used the account in over 2 years so I don't owe them ANYTHING. Another card arrives and not used but in XXXX I discover more fraudulent charges on the NEW acct. I contact them and again acct. cancelled. New card sent, under investigation, no payments due at this time. On XXXX XXXX, because I had autopay set up, they deducted full amount from my bank acct. {$3200.00}. I am still trying to get this back. I call almost once a day. They promise 3-5 business days it will be put back in my checking acct. This has been going on since XX/XX/XXXX and still my money has not been returned. I even had to fax them a copy of my bank statement to prove that they had taken the money from me. I do not feel very secure about them having my banking information. 
On XXXX XXXX I received a letter stating that they reversed the other charges from XXXX That was a day after they took the {$3200.00} from my bank. I believe these both were " inside jobs '' since it was only Bloomingdales store acct. affected, not the XXXX XXXX part of it, not the other store, XXXX XXXX, which is same XXXX. XXXX XXXX XXXX  company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-26 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: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX I submitted my first complaint to First Citizens.  While their XX/XX/XXXX response was to credit my account by {$2300.00}, they failed to address numerous other reporting errors. First Citizens letter of XX/XX/XXXX states We believe the remaining information being reported to the credit bureaus is accurate, with the exception of the balance outstanding. I found this statement incredulous. Did anyone at First Citizens even bother to look at what was being reported? 
I filed a second compliant on XX/XX/XXXX. While First Citizens has not responded to my second complaint yet, I just received a letter from XXXX stating that First Citizens has deleted their reports from XXXX. As a result of this removal, my Credit Score jumped from XXXX to XXXX. I just checked my credit report with XXXX XXXX who reports that First Citizens has likewise removed their account from their reporting bureau. My Credit Score with XXXX XXXX is now XXXX. I can only assume that First Citizens decided to remove their accounts from these two Credit Reporting Agencies rather than make all the corrections to accurately report my loan with them. I am fine with this approach since it has had the desired effect to fairly reflect my Credit Score.

However, First Citizens did not remove their reports from XXXX. They attempted to make some changes but what they are now reporting is still erroneous and egregious. Some examples ( 1 ) First Citizens reports the loan is closed but, in reality, it is still open. ( 2 ) First Citizens reports payments were not made from XX/XX/XXXX thru XX/XX/XXXX, but their monthly statements show $ XXXX/monthly payments were made in all of those months. ( 3 ) First Citizens reports the loan was charged off but, in truth, it was renegotiated. ( 4 ) First Citizens is reporting two loans, but there is only one. This was acknowledged in their XX/XX/XXXX response to my first complaint. ( 5 ) First Citizens reports 100 % of the loan has been paid off, while in their second report they show 0 %. In truth, approximately 25 % of the original loan has been paid off. ( 6 )  they report that the last payment made was on XX/XX/XXXX instead of XX/XX/XXXX. 
My Credit Score with XXXX is XXXX. I am confident that it would be over 800 if First Citizens would accurately report the facts or conversely cease reporting to XXXX, as they did with the other two Credit Bureaus. 
I am reattaching all of the documentation which clearly supports all my positions in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The information showing below is falsely reporting on my credit. 

1 ) XXXX/XXXX XXXX Acct # XXXX -- - {$350.00} 2 ) XXXX XXXX XXXX Amount {$3200.00} I complained to the FTC. My FTC Complaint Report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The information showing below is falsely reporting on my credit. 

1 ) XXXX XXXX Acct XXXX XXXX -- - {$XXXX} 2  ) XXXX XXXX XXXX Amount {$XXXX} I   complained to the FTC. My FTC Complaint Report # 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 non-monetary relief
Consumer complaint received 2019-03-26 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I have not being using my American Express credit card since approximately 2014. I have not received statements since because the American Express customer service will not change my mailing address or send me a new card after I had been living in XXXX for a while. Amex had my bank account information and they had been withdrawing from my account payments for the credit card but I never received an statement or had a credit card. When I called American Express customer service on several occasions they wouldnt fix the problem. I have recently received a new card and they will still have my wrong mailing address after several phone calls. They also have stated that there are charges made to my account which I didnt incur. I have not received statements since approximately 2014 and they have sent credit cards and statements to the wrong address. Someone else has been using the card and the American Express representative said that he couldnt help me since I am transfered to the department for lack of payment. It is an abuse to customers and I told them to cancel all cards. Apparently there is more than one card in their system and I dont know who is in possession of those cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
This Mortgage note was transferred from XXXX XXXX to Select Portfolio Servicing , inc. without consultation during the XXXX of 2018. 
Our attempts to find out why fees keep being added are not being answered? Also our attempts to pay down or re-negotiate the mortgage or the exorbitant interest rate are ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WLCC
State: AL

Complaint narrative:
Applied for a loan then was told they had to talk to Social Security to verify information and then they wanted all personal info. plus Income proof even after saying loan was approved and verified they said that because of the way the direct deposit fell they needed 3 months banks statements this sounds very shady plus it supposedly comes from an Indian reservation yet the calls # XXXX XXXX XXXX are coming from XXXX wyoming and their mail form says they do not have to follow the fair lending act or abide by fed credit rules

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
Wife received phone call from Diversified Consultants claiming an old XXXX  bill was owed. She advised them please send all billing statements from the first time the account was opened so we could go over what bills were paid and what bills were not paid. Associate claimed they would send the information so we could verify the billing was correct. We moved all lines from XXXX XXXX or XX/XX/2018. All numbers were ported to XXXX with all phones from XXXX being paid off ... .. XX/XX/2018 Diversified placed collections account on Credit report without verifying information. XX/XX/2018 Sent a verification of debt letter to Diversified Consultants and disputed claims with all 3 credit bureaus. Three credit bureaus came back as information was verified. nothing received from Diversified. Mid XX/XX/XXXXafter the 30 Day sent another letter for Diversified to respond within 15 days ( allowing 45 days for them to send billing information ) ... .. Today is XX/XX/2018 Nothing has been received from the credit collections company. This has already been sent back to XXXX once before due to another collection agency being told and shown it was paid off. I want this removed from the credit report and all three bureaus updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX contacted Dovenmuehle Mortgage about a late payment in XX/XX/XXXX that should not have been there, the loan was transfered in XXXX with a letter dating XX/XX/XXXX that the loan was paid in full. Called in and was told they would have an answer in 10 days. Called back 10 business days later to be told that they have more time and the person that told me 10 days lied. Have not be able to get any other information from company on multiple calls, in the process of refi due to divorce and this is stopping my new loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/XXXX we opened up a Checking/Savings Account with Bank of America. Acct # ending in XXXX. XXXX XXXX and XXXX XXXX This account was opened because we opened up an installment loan with Bank of America for Recreational Vehicle. We were told that this account is needed to get the installment loan. In XX/XX/XXXX I found out from a representative that the only way to avoid the monthly fee on the account is to have an installment loan with Bank of America, which I do. 

The representative transferred me to complaints and reviews. I was told by the Manager that they can not stop the fees because Bank of America no longer offers RV loans ... 

I don't care that they no longer offer them. First, I should never have been charged the fees to begin with. If we go all the way back, we are looking at least {$860.00} in refunds for these fees from XX/XX/XXXX to the present. During this time and our contract for the checking account, we have maintained and have an installment loan with Bank of America. 
We requested the fees be reversed and stopped. I have not received any written response or reversal as of today. It is past 30 days.

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