vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-16 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2020 I checked my Citi Bank accounts via my Citi App and immediately noticed that all three credit cards were closed without any notice or communication ( verbal or written ) Citi Advantage # XXXX, Citi Simplicity # XXXX, Citi Double Cash # XXXX. I immediately reported this matter to CFPB on XX/XX/2020 ( case # XXXX ) On XX/XX/2020 I called the Citi Executive Team and spoke to XXXX ( XXXX ). She advised she will look into for me and immediately reach out to go over with me her findings. On XX/XX/2020 more or less I received a letter addressed to XXXX XXXX XXXX with my personal information and account information. Later on a letter was emailed to me from XXXX dated XX/XX/2020 stating my accounts were closed because I had misrepresented the details on two billing disputes. However, no one has explained to me why I received a letter addressed to XXXX XXXX XXXX with my personal information noted on the letter. I personally feel Citi Bank has erroneously closed my accounts in error. The response they gave is irrelevant to what I had originally reported and questioned. On the other hand, if these billing disputes were processed and reviewed why didn't anyone reach out to discuss further? Mistakes still exists ... This has been a total nightmare and a tremendous ordeal dealing with confusion and total silence from Citi Bank. I have been a long time customer and at the same time a loyal customer. I need not only a clear and detailed explanation regarding my concerns but my three accounts reinstated. I am seriously concerned with how Citi Bank has handled and communicated these issues.

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 2020-03-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
A letter was written To change address in XX/XX/XXXX. In XX/XX/XXXX I had not received Yearly Annuity statement for XX/XX/XXXX. SEVERAL CALLS WERE MADE AND ACCESS WAS DENIED TO MY ANNUITY ACCOUNT.

DRIVER LICENSE LAST FIVE NUMBERS WERE VERIFIED AND A COPY IS ON FILE.

MY DATE OF BIRTH WAS VERIFIED AS INDICATED ON LICENSE AND ANNUITY ACCOUNT.

I ALSO VERIFIED COMPANY ANNUITY WAS.OBTAINED BACK IN XX/XX/XXXX.

AGENT STILL REFUSE TO UPDATED MY MAILING ADDRESS AND SEND ME FORM TO CLOSE OUR MY ANNUITY. 
THIS KEEPS OCCURRING EVERYTIME I MAKE A CHANGE TO MY ACCOUNT. MY LAST CHANGE WAS ADDRESS AND AFTER THEY CORRECT IT THEY REFUSE ME ACCESS TO MY ACCOUNT AND THE CYCLE REPEATS AGAIN DENYING ME ACCESS TO MY ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hollis Cobb Associates
State: MS

Complaint narrative:
I received a garnishment letter from my employer on XX/XX/2020. I contacted the agency panicking because the amount they are trying to collect is the wrong amount. I spoke with XXXX XXXX, he was no help. Called back again and XXXX spoke with me. She stated that they would verify with the hospital that the debt was paid in full and submit in writing to my employer the correct amount that was to be garnished. She stated that she would call back in 30 minutes. I called her back 3 hours later and she stated that they would have to wait for the information. If youre Patient Accounts like you keep repeating you should have access to this information. I called again on XX/XX/2020 spoke with XXXX again she stated that the attorney was out and to call back around XXXX. I did so. The attorney XXXX stated that it takes 24 hours for the hospital to validated that it was paid. They wont accept any statements from me from the hospital showing a zero balance. I have called back every day and now starts week number TWO and nobody can seem to validate the amount that was paid to the hospital so that the CORRECTED information be sent to my employer. All I keep hearing is call back after lunch and the attorney will be in then. Or I cant get in her email I cant do anything. Its frustrating because you did not hesitate to enter the incorrect judgement. Now no one knows anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express continues to publish a derogatory statement of my old account through the credit reporting agencies, and I believe I have exceeded the statutory limit of 7 years ( since my first delinquency ) in which they can continue to make a derogatory report of my old account. I first brought this to American Express ' attention in XX/XX/XXXX ( via a phone call, and then follow-up letter ), and we have exchanged multiple letters since then. In my last letter ( mailed in late XX/XX/XXXX ) I included proof that my first delinquency occurred in XX/XX/XXXX, which is now 4 months beyond seven years. Despite the evidence that I shared with American Express, they responded in a form letter today that said my account was being reported correctly, despite the fact I provided evidence that it was not. At this stage I don't know what to do, and I need the CFPB 's help to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and a fraudulent 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 2020-03-16 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and a fraudulent 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 2020-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XX/XX/2020 - Contacted XXXX XXXX  due to incorrect status of 2nd loan, home equity loan, closed with outstanding balance.My credit score now dropped by a lot. I further advised this is a active account with not late payments payments XX/XX/2020 - Called back XXXX, per their request provided Trans Union credit report noting Closed Account. sent by fax # XXXX XX/XX/2020 - Called XXXX to check status advised I would received a email in response to my concern.Was to re-fax information to XXXX XX/XX/2020 - Requested to send information again via fax # XXXX XX/XX/2020 - Called XXXX to follow up again asked to re-fax same information to them along with my full credit report. I declined. I stated the 2nd loan home equity should remain as a open account, same as the 1st loan. I also asked why they call my home but do not leave a message. Too many fax of info and calls with no results. 

XX/XX/2020 - Still waiting for feedback ( email as promised ) from 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 2020-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC Bank did not allow me to transfer my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am having problems when making payments and I am struggling to pay my bill. I reached out to XXXX XXXX asking for a temporary hardship plan at {$200.00} a month and to address the interest rate and reduce to up to 9 % - as currently my APR is 17 %. Citibank sent me a letter however when I called into their Client Focus Team and Customer Service Department to request for a pre-plan arrangement and temporary plans of 2 to 2.5 % of the current balance set as a monthly payment - I was told I would need to close my account. Other people are able to keep their account open and make payments arrangements with a lower APR - why am I not being given that option?

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 2020-03-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX - paid {$1400.00} to XXXX in XXXX as a speaker for World Congress of Nursing Conference ( WCN XXXX ) with my Citibank Mastercard XX/XX/XXXX - wrote the company for cancellation and refund due to conflicting schedule at work to attend the XXXX XXXX event ; company would not want a refund. Instead offering other conference for me to attend which I am unable and declined. 

XX/XX/XXXX - called Citibank Mastercard about the issue and advised not to pay XXXX Citibank was aware that Conference organizer was contacted to settle the issue in good faith via formal letter and email but to no avail, it was unsuccessful. 

Citibank acknowledged and cancelled my current Mastercard credit card and replaced with a new card to prevent charging from the said company. 

XXXX Citibank called updating me that transaction was not made with XXXX XXXX. 

XXXX Dispute was resolved in favor of me. XXXX XXXX was not paid with {$1400.00}. Reversed the charge on my billing statement. 

XX/XX/XXXX - Billing statement showed {$1400.00} was charged back to my credit card account. Called Citibank to clarify about the dispute. Customer service XXXX from Citibank was insisting that transaction was not fraudulent but I again explained that effort and diligence was done at my end the soonest by contacting both organizer and citibank about my cancellation and asking for a refund from XXXX XXXX should charges were made. Also, brought out that the issue was been closed and resolved on my favor. And I clearly stated to XXXX that I will not be paying the {$1400.00} with my hard earned money especially with this pandemic situation where people are financially tight. 

I asked to talk to a citibank credit card manager but was unavailable and will call me back within 24 hours. 

I want the {$1400.00} charged to my billing statement be taken out. 

Your kind assistance is highly appreciated. 
I have all the documentation showing my diligence in communicating with the conference organizer. 

Also, I am available anytime should you have any questions to clarify things. 

Sincerely, XXXX XXXX XXXX XXXX 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 2020-03-16 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: TN

Complaint narrative:
The attached transcript clearly states that my XXXX XXXX was awarded on XX/XX/XXXX. According to StudentAid.Gov, an official website of the U.S. Government ; " Direct Subsidized Loans and Direct Unsubsidized Loans have a six-month grace period before payments are due. '' It also states " if you received a PLUS loan as a graduate or professional student, youll automatically get a six-month deferment after you graduate, leave school, or drop below half-time enrollment. No payments are required during this six-month deferment period. '' ( see highlighted section on page 3 of  attached XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  ) My graduation date was XX/XX/XXXX ( see highlighted section of XXXX XXXX XXXX  ) therefore my graduate student loans were under a six-month grace period and would not have been due for repayment until XX/XX/XXXX. ED/XXXX  has incorrectly reported two separate trade lines beginning with account # XXXX as late on XX/XX/XXXX and XX/XX/XXXX which has negatively impacted my credit ( Page 9 and 10 of attached credit report ). As per the FCRA incorrect information must be deleted as also per the FCRA I have a right for all information on my credit report to be correct ( see highlighted sections of page 7/8 of attached XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: NJ

Complaint narrative:
Experian wont block a fraudulent XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-03-16 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am trying to get Wells Fargo Bank to comply with the FCRA and provide proof that notice was given prior to the sale of a vehicle that was illegally repossessed. Wells Fargo stated in a written letter they had terminated the relationship with the repossession company, and has none of the documents required to provide a lawful repossession per UCC 9 and Commonwealth of Virginia Law.

I am specifically looking for proof of Notice of Redemption and a Notice of Deficiency.

Law states these two items are required for the creditor ( Wells Fargo Bank ) to collect a deficiency amount.

I was never notified of Redemption, Time to Cure, Notice of Sale or Notice of Deficiency.

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 2020-03-16 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: CA

Complaint narrative:
I am disputing two 30 day late payments in my credit report from a company named XXXX, TransUnion investigated and came back that it was verified, even through I sent them a company of my credit union statement that said the company was paid timely, TransUnion  said that was not good enough, the bill was paid online at the website and funds were taken out of 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 2020-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AA Recovery Solutions, Inc.
State: GA

Complaint narrative:
XX/XX/2020 at XXXX XXXX  I received a phone call from a private number the person told me they were in the independent process server. They told me that they will be attempting to serve me at a address in XXXX where I dont currently reside. I asked what was the court action reference to they refused to tell me and told me if I wanted more information I had to call XXXX. Once I said I had a number the person said you have been served and hung up the phone. I then contacted the 800 number which belongs to AA Recovery Solutions XXXX. I informed them of the phone call I got from the unknown number they quickly denied that was associated with them. I asked him how would I know the number to call without receiving the information from somebody and again they denied the Previous phone call. This is a very deceptive practice to have somebody call threatening a lawsuit are delivering paperwork for a lawsuit just have a customer call them so they can then tell you about a debt .they never really identify their selves as a collection agency. I feel that no collect agency should threaten a lawsuit without first informing you of whats going on and give you some time to validate if the information is actually true

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE ACCOUNTS THAT IS NOT MINE APPEARING ON MY REPORT.. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ). 

I HAVE RECEIVED AN INVESTIGATIVE RESULSTS REPORT FROM XXXX XXXX, WHERE THEY HAVE PROMPTLY DELETED XXXX  XXXX, # XXXX WHICH IS XXXX XXXX, # XXXX, REFER TO ATTACHED DOCUMENT. 

IN MY DISPUTE LETTER FILED THROUGH THE CFPB, ID COMPLAINT # XXXX-XXXX I CLEARLY DISPUTED THE BELOW ACCOUNTS, BUT TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORT OTHER THAN THE XX/XX/XXXX EQUIFAX DELAY TACTIC LETTER. 

PLEASE SEE ATTACHED IDENTITY THEFT POLICE REPORT, AND IMMEDIATELY DELETE THE BELOW LISTED ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was charged an ungodly amount of money for late fees that I feel were unjustly placed on my account. I received no notification from the bank that I had a charge on my account, and once I received notification I paid the bill in full. I then receive notification that I'm being charged a late payment fee associated with the bill that I previously thought i paid in full, and because they did not receive the payment for the late fee they arbitrarily decided I owe they added an additional late fee onto the already assessed late fee. I attempted to dispute the fees with Citibank and closed my account. Then after about 5 months i run my credit report and find that they have reported 90+ days of late payments on my credit report for an unpaid balance of {$120.00}. The entirety of the original charge was {$50.00}. How they have amassed and justify {$120.00} of charges associated is beyond me and should be illegal. They also charged me interest on the late fees. My bill came out to {$120.00} ( which I only paid to avoid a continuing negative reporting ). I have contacted Citibank several times to try and resolve this issue and get my money back and have the negative reporting removed from my credit. They have been unwilling to remove these unethical and arbitrary fees and negative reporting. I have also been working through the XXXX   to attempt to resolve this and they have repeatedly ignored me and the XXXX. This issue began in XX/XX/XXXX. I filed my first complaint with the XXXX  on XX/XX/XXXX. Their response to the XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all indicate that they will respond to me directly in writing within 14 days and I have only received correspondence once on XX/XX/XXXX. The correspondence essentially told me that there was nothing I could do, they did not care about me as a consumer, and that they were going to leave the negative reporting, and that they were going to keep my money. Please assist me in resolving this issue. 

Thank you, 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 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I requested a credit line increase through XXXX but was denied. XXXX   stated/provided a letter stating that there is a FRAUD ALERT listed on my report and they were unable to confirm the information. In conversing with the representative from XXXX she stated that they were looking at a credit report with the alert on it, and suggested I contact the credit bureau to get it corrected. 

I then contacted Equifax and they stated that there is no fraud alert listed on my credit report, and that is all they could do for me. The representative from Equifax provided me with a phone number XXXX ; however, when you go through the prompts the system hangs up on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: TX

Complaint narrative:
XXXX was removed and put back on which is a FTC violations

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