vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX I spoke with a XXXX 'XXXX representative to pay off may account in full and close my account. I received a letter from XXXX XXXX confirming my account had been closed, per my request. Months later I received a bill for interest on the account and was told by a representative that it was an error and would be removed. For several months I received the same bill and each time was told that it was a mistake and it would be handled with no affect on my credit. Several months later I again contacted them but by e-mail to get their response in writing. I was informed in writing that their mistakes would be removed from my credit report. I still have a mistake on my credit report, showing a late payment occurring in XX/XX/XXXX, which is six months after my account was closed. After at least 6 phone calls and e-mails XXXX XXXX has not removed this from my credit report and this appears to be a malicious act on their part. Please see all attached documentation from XXXX XXXX, including their written promise to clear my credit report. This is negatively affecting my credit.

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 2018-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have requested my XXXX savings be distributed for deposit into IRA Traditional and IRA Roth accounts but the distributing bank, Wells Fargo, refuses to execute the distribution even after multiple calls, notarized proofs of identification and documents of instruction submitted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: GA

Complaint narrative:
I tried to challenge the credit bureaus the name, address and all info thats relating to a bankruptcy listed on my credit report. I asked them to show me proof on specific information that it was me and how they verified, and they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I tried to challenge the credit bureaus the name, address and all info thats relating to a bankruptcy listed on my credit report. I asked them to show me proof on specific information that it was me and how they verified, and they did 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 explanation
Consumer complaint received 2018-10-30 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: Amscot Corporation
State: FL

Complaint narrative:
I GOT PAID ON XX/XX/XXXX. I FORGOT THE DATE I CALL TO REPORT MY CARD LOST OR STOLEN BUT THEY WERE SUPPOSE TO SEND ME A FORM TO FILL OUT. DIDN'T GET THE FORM UNTIL XX/XX/XXXX. I FILL OUT AND FAX THE FORM BACK. ON XX/XX/XXXX XXXX I WAD TOLD I AM ONLY GETTING XXXX BACK. AFTER THEIR INVESTIGATION. 
I WENT TO THE LOCATION WHERE THE FUND WAS TAKEN OFF MY CARD THE DAY AND THE NIGHT MANAGER SAID NO ONE HAD ASK, CAME BY OR CALL REGARDING MY INVESTIGATION. 
THE CUSTOMER SERVICES LADY TOLD ME THAT THEY DO NOT GIVE BACK MONEY THAT WAS TAKE BY A PIN # AND BECAUSE MY MOTHER, WHO IS XXXX OR MY DISABLE CHILD MIGHT HAVE DONE IT. 
MY PIN IS WRITTEN ON THE BACK OF THE CARD, FOR MY CHILD CAN USE IT, WHEN I TAKE HER OUT. SHE DO NOT AT ANYTIME GO OUT WITH ANYONE BUT ME. ANYWAY I NEED MY MONEY. 
THEY ASK FOR A POLICE REPORT AND I DID MAKE ONE AND GAVE THEM THE NUMBER. I WOULD LIKE TO SEE THE DOCUMENTS THEY HAVE TO PROVE THEY DID AN INVESTIGATION. 
ACCOUNT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Participated in my Department 's Student Loan Repayment Program ( SLRP ) and opted for 3 separate disbursement sent to Navient from United States Treasury. 

My loan was a XXXX XXXX XXXX loan and mail payments are sent to XXXX. XXXX XXXX XXXX, GA XXXX. I incorrectly put the address ( XXXX. XXXX XXXX XXXX, PA XXXX ) intended for Navient loans. Navient processes both XXXX XXXX XXXX and Navient Loans. 

My name and account number are on the check. My first payment was disbursed and cashed by Navient but it did not get credited in my account because it went to the wrong payment address. Per Navient customer service, they will cash the check, hold it for 10 days and return it to the sender without notifying the person on the account/check. 

I find it suspicious that my name and account number are provided and my account was not credited. In addition, they cashed the check ( probably started accruing interest ), held it for 10 days ( 20 in my situation ) before returning it to the sender ( United States Treasury ) without notifying me. 

My complaints are : They have my information, why not correctly allocate the payment instead of cashing and holding the funds without notifying the borrower or noting their account next time they inquire.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XX/XX/2018 I noticed an unauthorized charge on my credit card by XXXX XXXX ( I don't even own a TV ). I immediately contacted the credit card company ( BBVA Compass ) by phone, and they assured me they would take care of it and that I would be charged no fees or interest while it was under investigation. The following month the charge was still on my card, so I called them again. Same response, telling me they had 90 days to take care of it. Meanwhile, I called XXXX XXXX myself, and they told me they had never made the charge!! I notified the BBVA Compass " fraud '' department ( I use the term loosely ), and received the usual " we have 90 days, blah, blah, blah. '' The following month the charge was still there, so this time I wrote them a letter. I received no response to my letter. By this time I was receiving late fees and dunning letters. I made one final call to them a few weeks ago, but nothing has changed with my account. Clearly, there is nothing further that I can do. Of course, I will never, never pay the charge, but BBVA needs their hand slapped for ignoring a fraudulent charge and treating a customer with such utter disdain, and for ruining a customer 's credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: NY

Complaint narrative:
To whom this may concern I have a very big issue and a very big problem With SunTrust bank I believe they are in federal violation, You usually must be notified at least 15 days before your loan servicing is transferred to a new servicer. ( And I wasnt notified ) During a 60-day grace period, you can not be charged a late fee if you mistakenly send your mortgage payment to the old servicer The new servicer can not report to a credit bureau that payments were late. ( they are reporting me to the credit bureaus 3 months late ) the housing act require lenders or servicers to Give proper notification when the loan servicing is going to be sold. If your current servicer plans to sell your loan servicing, you must be notified at least 15 days before the effective date of the transfer unless you received a written transfer notice at settlement. The effective date is when the first mortgage payment is due at the new servicer 's address. 




In XX/XX/XXXX I took out a loan From XXXX XXXX XXXX   And I set up automatic payments with them to make sure that all payments are made Promptly and On time, in XX/XX/XXXX I checked my credit report to take out another loan, And shockingly I have 3 months Late From a bank That I never dealt with I never took a loan from them The name of the bank Is SunTrust bank After I called them to inquire what is going on They explained to me That They took over my loan from XXXX XXXX XXXX Going back XX/XX/XXXX, I did not even know They took over My loan from XXXX, I never got a notice From them That I have to start making payments to them And now They are refusing to remove the derogatory items from my report, SunTrust Was supposed to contact me To make sure there I know That is they are my new bank And to make sure that I am paying them Thank XXXX I do not have an issue With funds and I can prove it that I had funds in my account. They did not do Their part in contacting me to make sure that I know that they are my new bank, The bank has 3 addresses For me 1- is a p.o. box and 2- is my home address and 3- is the property address The bank claims they sent a welcome  letter To my pill box which I never received They never made any other attempt to contact me or to send me letters to my other addresses At least the property address but they did not And I am losing money each and every day because of them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: SC

Complaint narrative:
Today I contacted TransUnion Credit Report Agency about some inquiries that were on my credit report and tried to dispute them because they arent mines. Instead the representative that I spoke with told me that they cant dispute them unless I had a deletion letter from the creditors. I explained to the representative that I shouldnt have to get a letter of deletion if Im disputing the items, and reminded her that the other two major credit bureaus didnt ask me for a letter of deletion when I contacted them about the same issue. She was very adamant that I had to get the letters and send them in or I couldnt dispute the items on my 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 2018-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
The original balance on this account ( Walmart ) when I was laid off from my job was {$4400.00}. I have paid this amount plus any additional interest and late fees once I went back to work. The account went into collections in XX/XX/XXXX with XXXX XXXXt which then became Synchrony Financial. I continued to pay on  the account ; however I never received an actual statement from Synchrony listing payments received, interest, etc., I only received an email telling me the payment was due and the balance. The last 'statement ' I received from Synchrony was on XX/XX/XXXX and the balance was {$770.00}. I could not find a way to contact anyone to pay the balance in full ( no valid phone number, address, email address on the emailed " statement '' ) eventually a representative called me when the payment was late. I arrange a phone payment with the representative for {$360.00}, the representative agreed to remove the late fees and I promised to pay the remaining {$360.00} in XX/XX/XXXX which I did. Synchrony then sold the account with a balance of {$640.00} to XXXX XXXX XXXX. When they called me, I told them that the account was paid and a mistake was made but they insisted it was valid. I looked the company up online thinking that this was some kind of a scam, here is a link to what I found XXXX  : XXXXXXXX  They continued to call me for the money, I believed it was a scam. I sent a letter to them in writing and via email that they were not to call me at work or on my cell phone but they continued to call. I ignored their letters and phone calls ( I did log them ) and now I am getting a letter from an attorneys office, XXXX XXXX XXXX threatening a judgement against me. XXXX XXXX XXXX also reported the debt to the credit bureaus, lowing my credit score that I worked really hard to bring back up and I am now being denied financing that I need for a new roof on my home! I have sent them a letter ( via regular and certified mail ) with the last statement, a copy of the funds sent from my bank, a phone log of all the harassing phone calls, a request that they acknowledge payment was made in full and that they correct the payment history information provided to the credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: AZ

Complaint narrative:
My XXXX/XXXX Visa credit card : XXXX, XXXX/XXXX Visa credit card : XXXX is lost/stolen, and the charges on the accounts are fraudulent and unauthorized charges/transactions. My drivers license, social security card and other credit was stolen from mailbox. My local post offtce issued notification on mail thefts in my area.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Ms. XXXX purchased her home located at XXXX XXXX XXXX XXXX XXXX TX on XX/XX/XXXX with the owner financing term. In XX/XX/XXXX, she purchased the property next to her at XXXX with same owner financing loan term. In order to pay faster she got a Home Equity Loan from Nationstar Mortgage to pay-off the previous owner 's loan. Ms XXXX had to ask for another Mortgage Loan to pay -off the previous owner of XXXX as well with XXXX  XXXX XXXX XXXX on XX/XX/XXXX not only to pay-off but to fixed up the property because it burned out proof attached. The Title company that did the closed paperwork never filed a DEED of Trust under XXXX XXXX 's name and they ever pay-off the previous owner neither, so they foreclosed the XXXX property. Consequently, the XXXX XXXX XXXX transferred the XXXX debt to the XXXX property and did foreclosed the XXXX homestead property on XX/XX/XXXX. but she wasn't evicted from that house since then. She continue making mortgage payments with high a SCROW rate. She can not claim Homestead exemption because is not under her name. She can not sell out the property. She XXXX year-old ILLITERATE  person. They took advantage of her and did a fraud to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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 — Problem with personal statement of dispute
Company: Seterus, Inc.
State: FL

Complaint narrative:
Entered into a disaster relief forbearance with lender under the XXXX XXXX disaster relief program as a result of Hurricane Irma.  As part of the program, credit report was to be suppressed and no negative information was to be reported to the credit bureaus. During the forbearance period, I paid off the loan in full including including all the deferred payments when I sold the house. Upon payoff of the loan, I was reported to the credit bureaus as being 180+ days past due. I had this loan since XX/XX/2004 and was never late. The lender has refused to fix the issue and has advised that regardless of being under a disaster relief forbearance, they suppressed the reporting during the forbearance but when I paid off the loan, I was out of the forbearance period and had to report me negatively to the credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened an account with CITIBANK online by following the links of an advertised {$400.00} promotional bonus for opening the account and retaining a balance of {$15000.00} for 60 days-90 days. The opening deposit was made on XX/XX/18 in the amount of {$15000.00}. 

I have not received the promotional offer as of XX/XX/18. I have made multiple calls and online chats to no avail. I first contacted customer support around XX/XX/18 and was told to call their new account service line XXXX and basically ask them. When I spoke to the representative I was advised the promotional offer would be reflected on XX/XX/18. 

As of XX/XX/18 I did not receive the promotional bonus. I contacted customer support again via chat on XX/XX/18 and was then told that the promotional code was not reflected at the time of opening the account and that it needs to be " ENROLLED ''. I brought it to their attention that I followed the links on their website ( I am not sure how this got lost in translation or why it would be difficult to verify and apply ). At this time the representative filed a case ( # XXXX ). 

I called the new accounts service line XXXX on XX/XX/18 to get a status and I was told the case review process would take up to 90 days so I requested to be transferred to a supervisor who advised the case review process does not take more than 10 days and that I should see the promotional bonus reflected on XX/XX/18, he also advised that he had placed an " expedited '' request. 

On XX/XX/18 I contacted customer service via Chat and was then told the case remained open and there was nothing that can be done and to call the new accounts service line during the business week. 

I called on XX/XX/18 and was AGAIN told the promo code was not enrolled ( again I followed the links on their own website for this ) and was abruptly transferred to a " personal banker '' who tells me that the case has not been review and it is not guaranteed that I will receive the bonus offer. 

Needless to say this has been a very unpleasant experience ( It feels like shenanigans to not pay in hopes of making eligible new account customers close accounts and leave or extent and drag the timing of such payment as far as possible ). 

Citibank has not honored the promotional offer and is acting in bad faith.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Miller, Stark, Klein and Associates
State: MN

Complaint narrative:
They keep calling and asking for someone who has never lived at our number which is a land line and we've been here since the house was built and I've told them they have the wrong number for whoever it is their looking for but they still keep calling asking for that person.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BB&T CORPORATION
State: KY

Complaint narrative:
Our small payday lending business has been banking w/XXXX XXXX XXXX XXXX since they came to XXXX Kentucky market in 2015. They recently closed our checking, money market savings & affiliated Credit Card accounts providing no rationale except because they can. 

It appears this bank discontinuance action may be a residual of the " XXXX XXXX XXXX '' era of banking practices. 

Please review the attached detailed explanation letter I recently wrote to the FDIC, the Federal Reserve, and your interim Director as well as my state & Federal Legislators.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: OR

Complaint narrative:
The organization goes by the name of Blue Trust Loans. I filled out a form posted on their website. Then I received a phone call from someone in their Customer Service department. They asked me to verify the information I had made online.They also asked what dates I was paid on. 

I was told that for the {$500.00} loan if I paid it back before the first payment was due I would owe {$650.00}. If not there would be 6 payments - the first {$150.00} and then 5 payments of {$160.00}. Which I have paid. The payments where taken by a company called Hummingbird. 

On XX/XX/2018 I went to my credit union to close the account for a reason not connected to this. Then on XX/XX/XXXX I got a phone call from Blue Trust that a payment was returned to them. I told them ( XXXX ) that I had made the 6 payments and had the transaction report from my bank. She proceeded to tell me that I owed another 6 payments of {$160.00} that is additional interest. I requested they send me an email that stated all this. It has never been received even though I have asked 3 times now. I told her that this was not what was explained to me and that my next phone call was going to be to an Attorney. 

On Wednesday XX/XX/XXXX they ( XXXX ) called on my employers main client line. 

They have been calling my cell phone from a " Private number '' and then leave a message with different phone numbers to call them at - XXXX and XXXX. 

They have shown that they are misleading on the loan and have a deceptive business practice.

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