vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have a visa card w/wells fargo that I have been intently trying to pay down. I have been making automatic payments of {$140.00} every 2 weeks to them. I have 2 promotional zero percent balances with them. Presently, as of my XXXX statement it is as follows : {$2300.00} 0 % till XX/XX/20 {$8200.00} 0 % till XX/XX/20 When I make payments, Wells Fargo, unfairly credits more towards one balance then the other -- making it essentially impossible to pay off the 1st promotional balance before the expiration date. For example, I was told when they receive the first {$140.00} payment they distribute as follows : {$32.00} goes towards the {$2300.00} {$110.00} goes towards the {$8200.00} Why aren't they distributing the {$140.00} ( x2 ) evenly to each balance? I feel that puts me at a disadvantage, afterall it is the same interest rate for each balance. 

I called wells fargo, explained that my goal was to target & paydown these debts & I wanted to make a {$1000.00} payment to go solely to the {$2300.00} balance & they said that I couldn't. I spoke w/3 people & the last person said he would file a complaint & someone from Case Mgt would get back w/me. I did this just today, so I expect they will be following up w/me, but based on the fact that I had to talk to 3 different people and file a complaint, it appears this is their practice and I feel a complaint is warranted regardless, even if my issue with them directly is handled satisfactorily. 

I feel this is unfair credit/banking practices because I have been paying more than the minimum owed, I don't understand why I can't direct my payments where I want them to go ( I can do this on my mortgage for example, and make extra payments & direct them to my principal ). 

The only resolution I was provided was that I would have to wait till the 1st promotion ended and then I would have a window where I could pay that balance in full w/in the billing cycle before the higher interest rate started accruing, but that doesn't seem fair. I want to make a payment today of $ XXXX, and next month of $ XXXX, to target that balance and attempt to zero it out before XX/XX/20 and I feel I have the right to do that but wells fargo says that I can not.

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 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
On XX/XX/XXXX around XXXX PST I called Equifax at XXXX I spoke with the Agent in regards to an issue with my Social Security number being reported incorrect, Banks rejecting a car loan due to something wrong my with Social Security Number. I gave them my SS # in which they stated it was not the # on file it was off by a digit. I was then told to FAX in a copy of my SS card, so I copied front and back of my card and filled out a FAX cover sheet with a description of my problem and followed 2 more pages with the front and back of my SS card. I was told by the agent, 3-5 business days it would be processed. I called 5 business days later. It has not been processed. Waiting 2 more business days, agent put me on hold, never returned to the call. Went straight to a survey. 
I called again, This time I got someone that tool extensive information from me and said again. it is 5-7 business days to process. In which at that call it was 7 business days. My problem not resolved, no fax with my information revived so they claimed. She then told me give it couple days and call back. Today I called, 9 business days from first contact and FAX sent. Agent put me on hold, call sent straight to Survey. Hung up on me again. This is VERY UNPROFESSIONAL and the process time is not what they claim and I am sick of being treated like this and want RESULTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX and during those days and weeks I tried to pay a debt off my credit card that I owed to capital one bank. Once tried to pay it off capital one fraud department called and said that my account dont match from the account Im trying to pay with ... Finding out that the app I use called XXXX   XXXX  changed banks and had another bank control they funds and every account number and routing changed I didnt know none of these until that day ... Which was XXXX XXXX XXXX at first then switched to XXXX XXXX when a representative told me and capital one bank representative on the phone and dont have anything to do with XXXX  anymore. XXXX XXXX is third party ... So they saying I have to get proof of XXXX XXXX stating that they changed institutions and then closed account until proof ... XXXX XXXX only does email so that was the inconvenient part. Finally got proof of my old account and routing that I found when filing income taxes last year and sent it to capital one. When speaking with representative they looked over it and said everything was good and now I can pay the debt using the new bank I didnt know I had. They open the account back up ... the next day it was closed with the new pending transaction I made. I talked to supervisors and all and its in notes of all the times I called ... After the weekend Monday came and they took the money out of my account. I looked at my account and it was still closed.. Called capital one bank and they told me that they closed it because 5 reversed transactions on account which the whole time I was repeatedly talking to them the whole week ... So now they took {$890.00} from me and closed my account because of transactions ... Even though also my mother connected with the account so she also pays my fees which is another bank she used for me a month ago and they still closed my account giving me a lot of confusion when the whole time Im trying to pay a debt off and build my credit which I cant do now because they closed my account and now I have to reapply for another card which will be not the same as my old card plus pay {$200.00} more and was less than before. Because now its denying me for card I usually had because of my credit doesnt match up with it anymore.

All I want to do is get another card or reopen my account so I can continue to build on my credit card. If can not I will then take the refund that they took from me back ... I just feel like this is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: TX

Complaint narrative:
I've called the credit bureau and disputed it several times the have said I owe to different amounts and then when I disputed it they sold it to a different company XXXX  XXXX XXXX first investors got paid by the insurance company and still was trying to make me pay two different amounts

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 2020-03-05 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: CO

Complaint narrative:
XXXX and Transunion are reporting incorrectly an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

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 2020-03-05 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
I signed a loan modification contract with Rushmore Loan Management on XX/XX/XXXX after making regular trail payments since XX/XX/XXXX. 
All the trials payment were on time and still the organization marked me late since there was clause in the contract. 
However after signing the official contract that became effective immediately Rushmore Loan Management still marked me late for XXXX and XXXX even though payments were made on time. 
This illegal and overly punitive for no reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
In XX/XX/XXXX-XX/XX/XXXX I was forced into a forbearance, I made less then {$10000.00} in the year for both years. I was told this will just freeze my account solid till I was able to get back on my feet financially. In XX/XX/XXXX I had to reapply, where I learn that I accumulated over {$10000.00} on the loan as an increase of not making payments. My statements would come in a zero. And no one, no one ever explained that this will accumulate interest. 
I was told that it was an account freezer, that my account would stay solid at that price till I was able to get back financially. In XX/XX/XXXX-XX/XX/XXXX I sent in my taxes to prove that I am below poverty still making {$10000.00} in a year. I was told I would have to do IDR, and as I get my emails to know my payment amount, I could never sign in to navient. I had been locked out of my account on how many attempts to add my social and my birthday with the website stating I never had an account. Finally I call to talk to a representative, all for him to tell me my account had expired in XX/XX/XXXX. How can a federal government payment program expired your account, but still demanding you to make repayments. Navient lied to me over the last 5 years, as I tried to show valid income information to receive lower payments, they made me go into deferment and forbearance instead of offering actual payment options. Because of this my loan increase went from {$10000.00} loan to a now {$40000.00} due to interest, when I provided my low poverty income wages for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I previously applied for Citi Aadvantage Platinum Credit cards and earned rewards points with XXXX XXXX by using these cards for purchases. I also earned rewards points by flying with XXXX XXXX and by purchasing miles or gift cards directly through the airline. I still have unused XXXX XXXX gift cards.

However, I received a notice this year that my XXXX XXXX account would be terminated, effective immediately, and all rewards, earned or purchased, would be revoked. The explanation provided was for fraud, misrepresentation and/or abuse of the AAdvantage Program. This is unsatisfactory and sets a terrible precedent that a company can sell rewards and benefits to consumers, and then their partners can revoke them at any time for any generic/blanket reason, and consumers are left without any options after having spent time and money buying and earning those rewards.

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 2020-03-05 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: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted Equifax and XXXX  and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
I applied for credit with discover card XX/XX/2020 and was approved for {$750.00} credit limit. I received my card and start utilizing it. On XXXX XXXX I noticed a drastic change in my credit score because of issue with my credit card. So I called discover card services and was advised that they needed to verify additional information which was very vague and not specific in detail. Discover card advised me that I would receive email for verification and I received XXXX  docsign IRS 4506-t. At that point I was advised that a hold would be placed on my account. I made a payment on XXXX XXXX for the amount of {$640.00} as my payment is due on XXXX XXXX. I currently receive XXXX income and due to this reason I was discriminated against because of my XXXX income and discover card used my XXXX income against in extending credit to me. As a result my account was closed. My credit score dropped tremendously. When I can call or chat to get more information limited information was disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
This company ( National Credit Adjusters ) put a collection on my credit reports, stating that I had a loaned opened with XXXX XXXX on XX/XX/19 which in not at all true. I haven't talked too or received anything in the mail from either National Credit Adjusters or XXXX XXXX. I just mailed National Credit Adjusters a request for validation in accordance of the Fair Debt Practices, I mailed this to both of the listed addresses I could find. I would like this removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
I was reviewing my XXXX  credit report today XX/XX/2020 and noticed a collection was added to my report in XX/XX/2020. I have never heard of this company and have never done any business with them. Furthermore, I never received any dunning letters in the mail from this company giving me the right to dispute the validity of this debt which is a violation of my rights. Not being allowed this opportunity prevented me from disputing this inaccurate information before being placed on my credit report. I want this account deleted from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: TX

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted XXXX  and Transunion and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-03-05 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I paid XXXX XXXX {$1800.00} x 2 = {$3700.00} to install carpet in my house. I received the the worst inferior quality carpet and a completely shoddy installation. The carpet started deteriorating and separating from the walls and stairs within a week. I opened 2 disputes with citivisa, the credit card I use. It took them many months to resolve this. I had to submit numerous letters and documents. I lost one of the disputes because the paperwork that citi sent was in 2 parts which looked exactly the same and I only sent it in once. When they informed me that I lost one of the disputes they told me to send it in immediately which I did and it was 3 days late. They did not honor it. They the carpet company put the {$1800.00} that he lost back on my card without my authorization or knowledge. When I found out citi asked me to dispute it again and redocument the problem with XXXX  of the same information and have people come out to evaluate it. Unbelievably I fell for this and spent more time to dispute the fraudulent charge. They determined after 4 months that it was a legitimate claim but put the charge back on my card! because they " couldn't collect it from him '' (! ). I called them on XX/XX/XXXX and told them this is an outrage and I will not pay it. They are a very bad credit card company and need to be contacted by you. I am also making a report through identitytheft.gov.

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 2020-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I have contacted the bank on many occasions to have the department to contact me concerning the events. this started with enterprise rental car, I had a rental due to a damaging my car. The person 's insurance paid for the rental portion of the car in full. The only thing I was to pay for was a {$50.00} deposit. I contacted the bank after I noticed charges were put on my card from the rental car. i contacted them which was their main reservation department. I was told they would follow up never did. I contacted the bank disputed being overcharged. My act was credited for that amount. I was sent a letter stating the charges were accurate they would be reversing the charges. I then called ask that the investigation department contact me they would take the information tell me that it had to emailed they would contact me, that never happened I called on three different occasions. I eventually realized no one would ever contact me, so I did my own investigation. I went back to the enterprise office spoke with the manager he agreed I shouldn't be charged the insurance company paid the full balance of my rental. He creditied back my Navy federal card. I then call the bank and metioned this told them i got this done in less than ten minutes. Why weren't they able to resolve this? The investigators were supposed to be working on my case. However I aske that they remove the fees my account has accumulated because of this. The agent I was speaking with said she would remove two fees, I told her i would not accect that this could have been resolved months ago had they followed through, she again transferred me to the manager voicemial but of course no one has contacted me until this day. I want the fee removed from my account. They didn't do anything to help me as a customer of Navy Federal, I'm telling them this company charged me amounts they werent supposed too, If I would let it go my money would just be gone. Navy federal made no efffort to attempt to make sure I wasnt being overcharged,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
XX/XX/2019 Submitted documentation stating fraudulent charges on my card Company response was incomplete Followed up with 2 letters Dated XXXX and XXXX No response

Company response to consumer: Closed with explanation