vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-30 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I closed my credit card account with Citi on XX/XX/XXXX. I paid the account balance in full on XX/XX/XXXX.The last statement was due on XX/XX/XXXX so I now realize this was late. I was charged interest of {$3.00} and a late fee of {$25.00} on XX/XX/XXXX ( the day after I paid the account balance in full and two days after the XXXX statement was due ). Of course I did not realize I was charged because I did not know the bill was paid late and I had though that I had paid the account balance in full ( not just the statement amount ). Since then I 've been charged an additional late fee of {$25.00} and an additional interest charge of {$0.00}. I asked them to please remove the late fees since this was clearly a misunderstanding, I had never paid a bill late before, and had already attempted to close the account. Citi told me that they can not waive the late fees because my account was closed. I feel that I am being penalized for closing the account. The terms also say : " The amount of your late fee will never be higher than your Minimum Payment Due '' which is not true in my case since the minimum would have been the interest charged. Also, I was told that my account did not have " Courtesy Late Fee '' removal because I earned miles using the card ( though other Citi cards do ) and that is not listed in the terms of agreement.

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 2017-04-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
I refinanced with AmeriSave in XX/XX/XXXX. I went to closing XX/XX/XXXX. My interest rate was locked in at XXXX. Just before closing they changed my interest rate to XXXX without telling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Genuine Debt Solutions, LLC.
State: FL

Complaint narrative:
Received a message from my sister and my ex husband all within 5 minutes of each other this morning stating they received a voicemail asking about my whereabouts and to have me contact the referenced number. Voicemail stated I should not drive, leave my house and if I do I will be pulled over as they are suspending my drivers liscense ( threats ). Basically, insinuating I 'll be arrested. Caller did n't state who they were said I 'm being investigated for " Hot Checks ''. I have n't written a check in many years. They never called me just phishing for info from family and former family members-anyone who I have contact with.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC
State: PA

Complaint narrative:
All Medical bills are the responsibly of XXXX do to a court order Protection From Abuse Order. He is responsible for all Medical bills past or present and any Damages to my credit report and score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
My debit card was stolen on XX/XX/2017 On that same date, a total of five unauthorized ATM transactions plus the fees in the total amount of {$1000.00} were taken from my account. I reported the stolen card to M & T Bank the next day and reported these fraudulent transactions. 

After giving me a " provisional credit '' in the amount of {$1000.00} to my account, the M & T bank abruptly denied my claim on XX/XX/2017 and re-took the sum of {$1000.00} from my account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
This is a complaint towards XXXX and XXXX XXXX XXXX. She visited my workplace to inform me that she needed my information for reference and to use my checking account to deduct the first payment since my brother who was requesting the car loan did not have one. The rest was going to be paid by him. I asked various times if this was going to impact my credit and she said NO. I informed her that my credit CAN NOT BE USED for the car loan and she repeated that it was not going to be touched. When I went to get a loan to fix my house I noticed that my credit was impacted and I called her and also spoke with her supervisor XXXX XXXX and they told me it was too late and that they could not help me. They used me to help close a car loan without informing me correctly and I did not authorize 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 2016-04-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Auto Buyers Credit LLC
State: MI

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX in XXXX, MI in XX/XX/XXXX. The finance company ABC Auto Finance was the company my car loan was through. At the time of purchase the sales representative informed me that I had to purchase the company 's Gap Insurance, so that the car would be covered if anything should happen. My car note was around {$600.00} per month. After calling ABC Auto for several months requesting that the car loan be added to my credit report they finally reported but only reported payments of {$480.00}. XXXX XXXX the car caught fire and was totaled the representative told me I had to pay a {$500.00} deductible ( which I did ) and the loan would be forgiven, I could purchase a new car. During my search for a new car the representative ( XXXX I think ) informed me that I could go to any dealership to purchase a vehicle. ABC NEVER stated that if I did not return to the same dealership or a dealership that ABC is affiliated with I would have to pay the balance of the car. I obtained a new car from a different dealership and just happened to check my credit report in XX/XX/XXXX and saw a loan amount for {$9100.00}. I called ABC they stated I had to pay the balance because the box was not checked on my loan agreement that I was pay for GAP insurance. That was false not only did XXXX XXXX XXXX and ABC auto say that I had to pay Gap Insurance from their company in order to obtain the truck I have my bank statement where I payed the {$500.00} deductible and the bank statement from where I paid around {$600.00} for my car note, while they were only reporting {$480.00}. The ABC auto rep. told me I could go to any dealership and my loan was forgiven. I even tried to work out an agreement with ABC auto just to have this loan removed from my credit report as quickly as possible the amount they were willing to work with was outrageous, when I do n't owe ABC at ALL. Please inform me what to do in order to dispute this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Credit Collections U.S.A., L.L.C.
State: DC

Complaint narrative:
The dental office gave me a quote before doing work for my son 's teeth - he was XXXX yrs. old. The quote was {$160.00} my out of pocket expense which I still have the quote. But then I got billed for {$760.00}. The work done is only filling for XXXX teeth. The explanation was insurance only cover XXXX filling not the XXXX they used. i dont ask what XXXX they used, i just assume they used what is allowed. i sent a payment of {$200.00} but they refused to take and further advise me to deal with the collection agency. They sent me to collection when the bill was only XXXX days overdue of which I was trying to depute. This is a fraud. I got misled. I sent the dentist a nice letter and also requested if i can discuss in person. Both I was not granted. I did ask for a discount, I was told by his billing that they can not even give me a {$10.00} discount.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Re : Chapter XXXX Dismissed Bankruptcy Docket # XXXX filed XX/XX/XXXX, 2011 I am disturbed that the credit bureaus continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, these credit bureaus have no right to maintain information which the government has deemed nonexistent. 

I filed this bankruptcy in XXXX County Court in XXXX, NC on XX/XX/XXXX 2011. I have never been to XXXX County. 

Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX reported to the Credit Reporting Agencies that I made late payments from XX/XX/XXXX to XX/XX/XXXX. I was discharged from my Chapter XXXX bankruptcy XX/XX/XXXX and I have missed on payment in that year. They are reporting my late payments that occurred during my bankruptcy. They never gave me any notice during the bankruptcy that I was behind and instead falsely reported that I did n't make any payments for 8 months in XX/XX/XXXX. I have bank statements showing I paid the company every month accept XX/XX/XXXX and that is when I entered into a loan modification and was told not to pay that month. This false reporting has cause me not to be able to obtain lending. They should not have reported anything that happened during my bankruptcy they also never told me during the bankruptcy that I was behind making payments. Also, around XX/XX/XXXX I made a double payment and at the time asked them if I was all caught up on my payments to which the representative replied yes. They have a message that all phone calls are reported so we should be able to check the records.I have tried to dispute this issue with the company and the credit reporting agency to which they responded that they company is accurately reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I contacted XXXX in regards to a public record for a chapter XXXX bankruptcy list on my file. I disputed this public record mark and asked for verification and they said it was valid. I then contact the bankruptcy court to ask for three procedure in reporting to the credit bureau 's and they responded that they do not report any information to the credit bureau 's. XXXX must have pulled this information from a 3 rd party and the court verified it with me that they do not report to credit bureaus and therefore the public record reflecting this information must be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am going through a divorce currently and was required by the courts to pull my credit and show any and all joint accounts. Upon doing so I realized there are numerous accounts and inquires on my credit reports that were not done or authorized by myself. The account 's show addresses and information that is not my own nor ever authorized by myself. I currently reside at XXXX, CT XXXX yet these accounts are literally all over the country. I have attached a police report advising several accounts and inquires that need to be removed. I would also like a free updated credit report sent to my address once these accounts are removed as required under FCRA. I will list the information I see that needs to be removed. I have followed the law to a T and these accounts need to be removed within 30 days without question. 

Accounts : XXXX. 

Inquires : XXXX Also Attached my paystub for address verification just in case it is needed

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 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have disputed the reporting of accuracy for account XXXX over 5 times with Experian. I have recorded phone conversations with the assigned rep over the phone telling me that he would remove the past due notation from my report after he verified that he received the fax that I sent to Experian on two separate occasions. The XXXX account was charged off back around XX/XX/XXXX or XX/XX/2014. There are several different areas of concerns with Experian : When you challenge them they place your file into segregation and assign your account to their consumer affairs rep. Which this rep will investigate one time and basically use previous investigations to determine that the validity of the account doesnt need to be re-investigated. This account has several violations that violates the FCRA and the FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Hello, I purchased a car with financing provided by Wells Fargo in 2014. I am insured with XXXX XXXX company and have been since I purchased the car. Early in my finance, I realized Wells Fargo was charging me for insurance. I called them to note the error in 2014, and was told the charges would be removed in short order. In reviewing my statement over the past few months, I 've noticed I 'm still being charged, close to {$6.00} per month for Wells Fargo insurance and interest. Again, I am already insured and upset that Wells Fargo is double-charging me. I called them again today and they told me they would start an investigation, but did n't promise to remove the charge. I am happy to provide my declarations page to prove that I have coverage, though Wells Fargo has not requested it. I feel I am being and have been scammed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been trying to communicate with Wells Fargo and do not seem to be getting any clear answers as to why they are showing up and reporting derogatory information about me on my XXXX XXXX XXXX report. I am well aware that XXXX was started by big banks, for big banks, and is funded by big banks, but FCRA rules do apply. This is my 2nd request for them to proove the account belongs to me by providing me something with my signautre on it or delete it. 

I do n't know why I must spend so many countless hours trying to correct this companies mistake, this is causing me a lot of stress. Since I can not get an answer from Wells Fargo maybe XXXX can investigate and show that it conducted a proper investigation. Show me anything with my signature on it. This information that has been reported to XXXX simply does not belong to me and ins 100 % inaccurate. 

I am a XXXX citizen per attached. This specific mark is preventing me from obtaining in home care that I need after my car XXXX. 

Please do not call and communicate only by way of the CFPB portal or mail only.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This in a complaint against wells fargo Bank with my checking account, yesterday I made a claim by telephone because they have made a transfer and payments from my account to others without my authorization is fraud, as well as paid withdrawals. To my surprise they have mocked me because my claim did not take, today call to follow up on my claim and told me that there is no claim. I thought this bank respected its customers. What I did was to waste my time and my money because you are pure fame and marketing because they are not responsible for fraud cases, as they say when there will be an account and the automated system also, everything is lies. I feel humiliated and mocked as well as discriminated against.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: NC

Complaint narrative:
My complaint is in regards to a debt that is being " double reported '' on my credit file by Enhanced Recovery, account # # XXXX in the amount of {$1200.00} and also by XXXX XXXX, under account # XXXX in the amount of {$1200.00} which was sold to them by XXXX. 

I have requested " validation '' of this debt from Enhanced Recovery which I do not owe because I have never signed any contract with this company. What they continue to do is send me a bill and a letter stating that they are the owners of this debt. This company continues to report this on my credit file which I have recently disputed with all XXXX credit bureaus and with them as well. Please also see attached a letter from another debt collection agency, XXXX XXXX, in which they have ceased collection efforts and closed this same account. Therefore, Enhanced Recovery have broken the law by not validating said debt, and they still have not marked the debt as disputed on my credit report within 30 days. 

Any assistance that your organization can provide would be highly appreciated. 

Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: P&B Capital Group, LLC
State: CA

Complaint narrative:
Received call on XXXX XXXX XXXX from P & B Capital Group , LLC XXXX XXXX XXXX XXXX XXXX NY XXXX. 

Threatening to take my property including homes and XXXX / pension savings plans to pay off credit card debt. My understanding is this is unsecured debt at high interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: P&B Capital Group, LLC
State: TX

Complaint narrative:
I received a call from XXXX at XXXX stating I had to deposit {$1500.00} into her company account - P & B Capital, Acct # XXXX, XXXX XXXX Bank or she would file papers to take my home. She was very rude and abusive. She called me at XXXX, XXXX, XXXX. and on XXXX/XXXX/16 at XXXX. I had asked for their company name and website. That was when she became verbally abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have had a loan with XXXX. I have been 60 days overdue, but making the current payment for several months. I was told by XXXX that I needed to call on the 1st of the month every month to make the payment. When I called this month, I was told the loan had just been sold and to contact the new lender, Shellpoint Mortage. 

I never received any information regarding the sale of my loan prior to XX/XX/2017 the date of my loan sale, and have not received anything to this date, XX/XX/2017. 

I have contacted Shellpoint who does not know who I am. They have told me IF the loan was sold to them, within 60 days I would be notified. 

I am already 60 days overdue. If I wait another 60 days for them to upload the info to their computer, I will be 120 days overdue. No one will take my payment, not XXXX and not Shellpoint.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation