vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Back in XX/XX/XXXX, I made a phone call to Citibank customer service to close my Citi AA Advantage card. I explained I was not interested in collecting miles with XXXX XXXX, paid the full balance and was informed the account would be closed. 

However, in XX/XX/XXXX and XX/XX/XXXX, I noticed several fees/interest charges on my account and realized they had sent me to collections based on a {$0.00} interest charge and other fees totaling {$38.00}. On XX/XX/XXXX I  spent several hours on the phone again trying to close this account. I spoke to at least 9 different representatives : an agent identified as # XXXX in the collection department who transferred me back to the main call center, an agent named XXXX # XXXX who transferred me to another customer service representative with a foreign accent, an agent with employee ID # XXXX who transferred me back to the main number, agent # XXXX in the collections department, account manager XXXX # XXXX, someone in technical support, someone named XXXX in the Maryland Office, someone named XXXX in a call center in XXXX and finally a customer account specialist XXXX in the customer service department. Despite all my efforts, I'm still not certain the account is closed. On my online statements it still appears open. 

One of the agents I spoke to admitted they had a record of my conversation in XXXX  where I indicated my intention to close the account, but apparently they didn't close it because we got disconnected during the phone call. When I asked to be transferred to her supervisor to investigate this, she said she couldn't hear me and hung up the phone. It is unacceptable clients are subjected to such shenanigans when they try to close their accounts. It is clear Citi is intentionally creating obstacles and delaying the process of closing accounts with the goal of charging late fees and interest. 

Stay away from Citi

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 2020-05-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I have been a customer with Wells Fargo for over 10 years and have been using XXXX for a while with no issues. Until XX/XX/2020 I sent my sister XXXX through XXXX and I have sent it to her many times before. She waited a day and never got it I called Wells Fargo and they said it completed on their end. I had my sister give me her log ins and she never received it so when we checked the next day I tried to resend it and it worked the second time around. I called Wells Fargo to file a claim for the first one reference number XXXX and days went by only to hear back they can not put money back. Its like stuck in a cloud service of some sort and they can not retrieve it. I called XXXX and they can not help because they said I can only call Wells Fargo for this no one has the money and all I am asking is for my money back.

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 2020-05-21 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: CO

Complaint narrative:
I am resubmitting this complaint because my core issue was not resolved. I am complaining that XXXX XXXX can not include XXXX XXXX codes or XXXX codes without a signed a XXXX release. Please address the main issue. I am prepared to hire a lawyer if this is not resolved. I have attached proof. Please actually look at 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 2020-05-21 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: TX

Complaint narrative:
nquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX remove all the inquires

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 2020-05-21 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:
nquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX   XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX remove all the inquires

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 2020-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I submitted a dispute with XXXX on XX/XX/2020 about a collection placed on my credit that does not belong to me. On XX/XX/2020 XXXX came back stating the debt was accurate without even completing a thorough investigation. XXXX has repeatedly violated consumer rights by not completing proper dispute investigations which ultimately impacts the consumer in a negative way. There has been no prior notification of this debt and I am positive I have never been treated at this emergency room. This complaint will act as a formal NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. I have just settled a debt that XXXX  continued to report inaccurately on my credit and I dont mind filing a lawsuit again for violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wellsfargo promised that if they give me a 3 months break on my mortgage due to coronavirus my finances would not be affected and nothing negative would be reported on my credit report. Now I am trying to refinance and XXXX XXXX   says they can not help me at all because my credit history says NEGATIVELY that my account with Wellsfargo is in forbearance.

So effectively Wellsfargo lied to me and this is affecting my credit history negatively. Why was this reported to the credit agencies? I am very angry because it was a simple click on their website and now I am suffering more. 
I still have a job. My sister in XXXX used her XXXX income to help my parents, because of coronavirus she is not getting that income and that's when I stepped in, but if I knew there would be such huge consequences I would have found an alternative way. 
So all in all so far I didn't pay 2 mortgage payments and I was planning to continue regular payments after 1 more month. My mortgage is only $ XXXX/month, but  with this WellsFargo short coming I would be hurt for years and it will waste a lot of my time fighting them Please help.

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 2020-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
This complaint involves Robinhood stocks. I have an account that Im trying to close. Robinhood wont release my money. The website say to email me - but they wont respond. When I try to call, theres a message directing callers to email - which they wont respond. Ive filed a XXXX  complaint - and they wont respond to that.

I closed my original bank account - XXXX XXXX - for personal reasons. Robinhood wont release my money because I closed that bank account. I have another verified bank account - but system wont allow me transfer to that. 

So I cant talk to anyone to verify who I am, I cant verify myself online to set up the transfer, and they wont respond to service. So in the meantime my money sits there being held XXXX. 

I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
We submitted a request for a short sale after being denied for a loan modification multiple times. During the short sale process we had the property appraised multiple times and were finally able to secure a buyer willing to take on the challenge of purchasing this property with an offer price of $ XXXX. The property has many repairs that are needed and we were not able to get the property approved for an FHA purchaser. 

The lender appraised the property on XX/XX/20 and the valuation came back at $ XXXX. This made no sense since the new and renovated properties in the area were being sold for that value. The buyer decided to dispute the value and had an independent appraisal and inspection completed and the value came back at $ XXXX. The buyer increased the offer to $ XXXX. 

On XX/XX/20 the lender had another appraisal completed since the previous valuation had expired. The new interior valuation completed by the lender came back at $ XXXX. However, we received an email from the lender representative stating that they are not accepting the new valuation and have extended the XX/XX/20 valuation until XX/XX/20. That would make the XX/XX/20 appraisal 234 days old and far outside the 120 day deadline. 

I am not sure why the lender keeps making me jump through hoops or why they want to continue to ruin my credit by not allowing me to complete the short sale with a willing buyer at their own XX/XX/20 and current appraised value. It feels like they are just trying to stick it to me and feels more personal than business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: TX

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, US DEPT ED, US DEPT ED, XXXX, XXXX,  XXXX XXXX, XXXX, XXXX XXXX XXXX, Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On or about XX/XX/2020 I notified PayPal of a dispute I was having with a Seller who failed to provide the services for which I paid {$3000.00}. PayPal opened up a dispute case and requested a response from the Seller. On or about XX/XX/2020, PayPal decided in the Seller 's favor and closed my case. That same day I contacted PayPal asking them to reopen my case and to give me an opportunity to submit documentation supporting my case. PayPal had told me they would request documentation but never did before closing my dispute case. PayPal has not responded to my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
In XXXX of XXXX I returned my car that I leased through XXXX XXXX XXXX/Toyota Financial. It was a 3 year lease that I enjoyed all aspects of, for the most part. I leased a XXXX XXXX XXXX that had two key fobs with the car. I returned the car to the dealership with 1 key on a day in XXXX. A few days later ( within the week ) I returned the 2nd key to the same dealership. The dealership did not provide a receipt for the 2nd key that was returned. I paid the balance that I owed for the lease end charges in total as soon as the bill was sent to me. I did not pay for the missing key charge as I thought there may have been an admin timing issue with the key. So I left with a balance thinking it would be cleared when the key was accounted for. I did not hear from Toyota Financial Services until many months after I paid the balance. They contacted me recently over the phone about a charge outstanding on my account for a key fob. I believed this was all resolved back in XXXX of XXXX when I paid the balance and months after I returned the 2nd key. 

1 ) They call me daily about collecting this fee.

2 ) They ask me to reach out to the dealership to clear this up. They work with the dealer, and I have reached out to the dealer on multiple occasions with no response or answer on the phone.

3 ) They call my elderly father about this as well and threaten to send him to collections. 4 ) When I XXXX the price of this key fob it is as low as {$8.00}, they are charging me over {$100.00}. 
5 ) The dealership did not provide me a receipt and Toyota financial did not reach out to me until many months after the payment and key return.

6 ) They only call me by ( 800 ) number and do not leave a voice message regarding the crux of the issue.

7 ) When I do answer it takes a minute for the caller to be actually connected to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: AZ

Complaint narrative:
I am repeatedly receiving robocalls from Penn. XXXX XXXX XXXX. regarding a debt owed to XXXX XXXX XXXX for {$38.00}. I have contacted XXXX XXXX XXXX   directly and I owe no debt to them at all. I believe this to be a scam. I have reported this to XXXX Fraud Alert as well, but I continue to receive these calls. I have not called Penn. National directly.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I disputed the collection with all three credit bureaus and Santander deleted the charge off with XXXX but didn't follow up and submit the deletion with XXXX and XXXX. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account. This delinquent account record is inaccurate. I request that the following account be promptly removed. 

SANTANDER CONSUMER USA # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: TX

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, US DEPT ED, US DEPT ED, XXXX, XXXX,  XXXX XXXX XXXX XXXX XXXX XXXX, Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-21 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: TX

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, US DEPT ED, US DEPT ED, XXXX, XXXX,  XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-21 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: NJ

Complaint narrative:
I requested my credit report which i received. I disputed some errors which were corrected such as incorrect names and addresses. I also noticed four erroneous alleged debts on my credit report which is damaging my credit worthiness substantially. I asked that these alleged debts be validated and provide me a signed contract from the debt collectors reporting this alleged debts from Trans Union. I have not received any copies of requested documents as previously asked. Secondly, I requested Trans Union to provide the procedures used to validate these alleged debts on my credit report as well and they have not provided me with the proper documentation as requested.

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 2020-05-21 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: State Collection Service, Inc.
State: WA

Complaint narrative:
I have tried to contact this bank few times and they never responded me back with the information I have with them. This account is not accurate.

Company response to consumer: Closed with explanation