vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-25 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: IL

Complaint narrative:
Citibank is intentionally delaying posting of payments received when account is in interest-earning mode. My experience has been that payments are posted quickly when the account is earning them no interest. I'm accustomed to payments appearing on my citibank account within about four days of mailing them, when account is not earning interest.

But when I do not make full payment and account begins earning interest for Citibank, payments suddenly start taking up to two weeks to post. When they are posted, they are sometimes backdated a day or two. That leads me to believe they're not posting until payment clears my bank, which is a separate issue. But even backdated a day or two, they are still posted to my account quite tardily. 

Furthermore, Citibank has many locations where they can process my payments, yet they force me to send them across the country to XXXX, AZ. Do California customers mail their payments to Citibank 's NJ location? 

All of this adds up to Citibank manipulating customers to get them to pay interest which Citibank is not rightfully owed. 

At this time, I am waiting for Citibank to post payments which were mailed on XX/XX/XXXX : Check XXXX for {$3900.00} and XXXX for {$19000.00}, Please : a ) Cause Citibank to post the two payments today that they have had in their possession for several days, b ) Take long-term action to force Citibank to cease manipulating payment locations and timing to exploit customers and earn improper interest.

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 2020-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had a loan through JP Morgan Chase Bank NA. My loan was paid off XX/XX/2020. I received a lien release letter on XX/XX/XXXX but I did not receive my title. I called JP Morgan Chase Bank and they said they do not send out titles. I sent in my lien release letter to the State of Texas. The title came back with the lien still on my vehicle. JP Morgan Chase Bank has refused to help. What is my next step?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
While most state harassment laws do not require the victim to formally request the harasser to stop, some documentation goes a long way in establishing your displeasure with the offender 's actionshence the cease and desist letter. ... A cease and desist order is given by a judge to order a person to stop a certain act.

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 2020-02-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
We have never had XXXX XXXX as a provider. Never. Transunion refuses to conduct a new dispute investigation saying they have already done one, God knows when. But, this can not be correct as we have never had XXXX XXXX as a provider. This record was reported the middle of last year, XX/XX/XXXX. We have XXXX as our provider since we moved to our current location XX/XX/XXXX. We never had XXXX XXXX as a provider in the past.

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 2020-02-25 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: AZ

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX partial account numbers XXXX-XXXX. ( Please see pages attached from my credit report. ) These accounts have been transferred and should not be reporting. I have attached letters for these accounts proving they have been transferred. 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 this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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:
XXXX XXXX is knowingly reporting false information on my credit profile. I do not have a delinquent balance with XXXX XXXX in the amount of {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
On XX/XX/2020 ( I sent via uspo mail ), several 'Debt Validation letters to debt collection agency Midland Credit Management requesting certain documents to validate a debt said agency states I owe, and that the collection agency Remove the collection accounts from my credit reports, if they're unable to validate the accounts. 

As of to date XX/XX/2020, the MCM failed to provide the request document as follows : -The original agreement, including the terms and condition under which the original lender agreed to extend credit. 

- Copies of statements showing how the borrower incurred the debt, including the dates of transactions. 

- A complete accounting that shows how interest and other charges were calculated, as well as how payments were apportioned. 

- A clause in the original signed contract that authorizes the third party like yourself to collect on this debt - Proof that buyer actually purchased this specific account. 

- The terms and conditions of the sale of the account - Copy of bill showing last default date - Proof that YOU are licensed to collect in my state of residence

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: AZ

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX partial account numbers XXXX-XXXX. ( Please see pages attached from my credit report. ) These accounts have been transferred and should not be reporting. I have attached letters for these accounts proving they have been transferred. 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 this 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 non-monetary relief
Consumer complaint received 2020-02-25 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: AZ

Complaint narrative:
XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX partial account numbers XXXX-XXXX. ( Please see pages attached from my credit report. ) These accounts have been transferred and should not be reporting. I have attached letters for these accounts proving they have been transferred. 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 this 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 2020-02-25 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I had my card stolen and charged my card lots of charges and the sent a letter saying my funds was credited on these date XX/XX/2020 and XX/XX/2020 which have not occurred and they dont know why and cant tell me why not and say theres nothing they can do

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 2020-02-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
On XX/XX/2020 I received a payment via PayPal for a computer I sold. I attempted to withdraw the funds and PayPal " flagged '' the transaction. I contacted customer support and was told to wait 72 hours and try again. I waited 96 hours just to be safe and attempted to transfer the funds to my bank account. PayPal again flagged the transaction. I contacted customer support. They walked me through several steps to attempt to withdraw the funds, transfer them and even to have PayPal write a check and send it to me. None of this worked. Then, they told me that my only option was to refund the money to the buyer and attempt payment another way. I tried to do this and the refund was not processed because PayPal had removed their fee from the original amount. As of today, they refuse to complete a refund or give me the funds in any other manner. After much internet research, this is a common problem with PayPal. They hold funds to make profit off of the interest of thousands of customers every day. This is fraud and/or theft. The online portal shows that the refund has taken place but another screen shows that it is in perpetual " pending '' limbo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
BACKGROUND : We are experiences problems with servicers : OCWEN Financial, PHH, XXXX, Attorney : XXXX XXXX and allegedly deed holder : XXXX attempting to foreclose on our home located at XXXX XXXX XXXX XXXX XXXX GA . I am XXXX XXXX Chairman of the Board of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( PRIVATE SPECIAL PRIORITY ) and the home owner along with my Wife XXXX XXXX. Our property is XXXX XXXX inside the of the aforementioned trust. In XXXX, we refinanced and then settle this mortgage with XXXX XXXX XXXX. The debt was settled with lawful money but a security deed was created by XXXX XXXX XXXX. XXXX  XXXX XXXX  went out of business in XXXXXX. Our research indicates that a security deed remained on our property even after XXXX XXXX XXXX  went of business. 

STATED BELOW IS OUR MAIN ISSUE : On or around XX/XX/XXXX, on behalf of XXXX XXXX, XXXX unlawfully executed an assignment from XXXX  XXXX XXXX to XXXX XXXX  XXXX XXXX XXXX AS TRUSTEE FOR XXXX XXXX XXXX , XXXX., MORTGAGE LOAN TRUST, SERIES XXXX. In our research, as detailed in the Pooling and Serving agreement ( On The SEC website and attached to this complaint ), the cut-off date for this Remic was XX/XX/XXXX with a closing date of XX/XX/XXXX. Adding this alleged loan roughly 9 years latter ( XXXX ) would have made the entire Remic defective ( ultimately collapsing this REMIC  ). As the XXXX identifies that moving this loan into this REMIC 9 years latter is impossible and totally unlawful.. 
During unlawful foreclosure attempts, XXXX XXXX is specifying that they are acting on behalf of XXXX XXXX  as attorneys In Fact for said Foreclosure. 

Prior to all unlawful attempted foreclosure actions, the XXXX XXXX & XXXX XXXX XXXX XXXX XXXX ( PRIVATE SPECIAL PRIORITY ) executed Revocation of power of attorneys for XXXX XXXX, XXXX, OCWEN, PHH, XXXX and all associated parties. They all received notification of these filings. XXXX XXXX has continued to proceed unlawfully. 

In contacting XXXX  XXXX, ( employee identifier XXXX ) informed us that the investor ( Secured holder of mortgage ) was XXXX XXXX and NOT XXXX. 

While the documentation sent to us by XXXX ( identifying themselves as the servicer ) specifies that XXXX XXXX  is the investor/Secured creditor. The information that we've received is all over the place. In Contacting XXXX customer service ( XXXX XXXX ), specifies no loans associated with our names, address or SS #, In Contacting XXXX XXXX  ( XXXX at XXXX ) and XXXX XXXX, specifies no loans associated with our names, address or SS #. 

In Contacting XXXX XXXX ( Customer service XXXX ) specifies no loans associated with our names, address or SS #. 

CONCLUSION : Our original loan # XXXX XXXX/PHH/ OCWEN are attempting to assign us a new account number of XXXX XXXX XXXX , OCWEN FINANCIAL , XXXX , PHH , MERS are all colluding to defraud XXXX XXXX and XXXX XXXX XXXX. 

BTW : PHH, XXXX are owned by OCWEN Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
Requested APR to reflect the lower rate afforded to my military status in XX/XX/2019. The XXXX XXXX XXXX   started XX/XX/2019. Under the SCRA the APR should be 6 % not 18.33 % I was being charged. After 6 calls over 4 months there was no resolution and no explanation why it has not been processed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
Hi, I was a victim of identity theft resulting in 2 cars being purchased in my name. I called to inquire about this charge : PDQ Services INC ( XXXX XXXX. ) and come to find out I supposedly owe {$65.00} for a cancelled car insurance policy. I am desperately looking to close on a home and out of an attempt to get this off of my report I just went ahead and paid what I they said I owe- come to find out even though the debt is paid in full it is still going to be listen on my report. The agents name I spoke to was XXXX XXXX. I paid on XX/XX/2020. Confirmation number is XXXX and the account number associated with this collection is XXXX. I can provide identity theft police report if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I had a secured auto loan through XXXX XXXX XXXX. 2 of the 3 credit bureaus Equifax and XXXX   both showed that the account was closed as an owed debt and that the debt was purchased by another debt collector. I disputed this with them because that was not the case. The account was opened at a term of 14 months. All 14 payments were made and the account was paid in full and i satisfied that debt. I informed both companies that they had incorrect information. Instead of investigating and fixing the issue they just deleted the entire account. I would like this corrected and have it put back on my credit report paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: TX

Complaint narrative:
XXXX XXXX is knowingly reporting false information on my credit profile. I do not have a delinquent balance with XXXX XXXX in the amount of {$1400.00}.

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 2020-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I filed complaints with Wells Fargo based on some charges made on my Wells Fargo VISA debit card. Wells Fargo agreed that I was in the right so the complaints then went to the VISA level for their decision. There were all kinds of rule and policy violation by Wells Fargo so the claims were denied by VISA. I took Wells Fargo to small claims court on XX/XX/2020 and won the case. The court awarded me {$9300.00}. Wells Fargo had 30 days to pay me but I have not received the money as of XX/XX/2020. Given that I am severely ill and had to attend small claims court in a gurney  after a 9 month battle with Wells Fargo this is particularly egregious that they are once again forcing me to fight for the money that I am due.

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