vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: OH

Complaint narrative:
US Bank fails to give their customers to opportunity to make their accounts whole in a reasonable timeframe. When the customer does attempt to do so, you are punished and bombarded with fees. Because of my work schedule, I do n't have the luxury of going to branch at a moment 's notice. 

Now this happened after another issue that was a BANK ERROR. I attempted to use my card about a two months ago now, but it was declined. When I called US Bank, they told me they closed the card because I should have a new card by now. I was told they would order one for me and expedite it, but I needed to go to the branch. I used the last bit of time off and went to the branch where I ordered the new card o be rushed to the branch. About a month ago I called because I still only had my temporary ATM card and no new card. I was advised it was ordered and would be at the branch shortly ( you can pull that call ). Almost a week and a half later, it showed up at my house. 

Meanwhile, what US Bank failed to tell us is that we can not make deposits with a temporary card. I understand why, but how am I suppose to make my account whole if an unexpected expense is debited? The answer is " I CA N'T ''. So I was hit with fees because US Bank failed provide me with correct information. If you pull the calls, I was advised that I am essentially powerless in that situation and the bank may return the fees as a courtesy. In this instance they did. 


There was a gas transaction that, to my surprise, was debited out of my account on XX/XX/XXXX. Unfortunately that single transaction forced my account in the red by - {$33.00}. After work on XX/XX/XXXX, I have the receipts from the ATM to show, I deposited cash into my account. Again, all on the same day I was notified by US Bank that I had fees. As I deposited first {$180.00}, my receipt had a much lower available balance. I checked my account and I was hit with THREE FEES totalling over {$100.00}. ARE YOU KIDDING ME? One transaction should not warrant three fees. If I deposit cash into my account the same day it goes negative, there should be no fees to process as I did my due diligence to make it whole within a reasonable time. US BANK does not give its customers this. They do not care what financial situation there customers are in because greed, NOT SERVICE, is their first priority. 

You fail your customers and you failed me. I made my account whole the SAME DAY it went negative and despite my cash deposit being put into the account the SAME DAY, US Bank rather charge fees so they can put extra money in their pocket. I feel like I am being treated unfairly and US BANK, rather then help their customers, slams the door on our faces.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GCFS, INC.
State: CA

Complaint narrative:
I received a loan from XXXX in XX/XX/XXXX. The loan was in the amount of {$2.00}. The payments were extremely high and I was n't able to pay back the loan any longer. XXXX went to court and was granted a judgement against me some where around XX/XX/XXXX. My wages were garnished from the employer I was working for then, XXXX XXXX. XXXX sold my debt to XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX also seized money from my bank account. They have already taken more money from me than I owed them. XXXX/XXXX XXXX XXXX XXXX XXXX has now gone back to court and was granted another judgement for {$2700.00} and have sent a notice to my employer for garnishment. I only make {$14.00} per hour and I 'm the only one in my home that has income. I am already having to borrow money from family members each month to make bills meet. I ca n't afford to have my paycheck garnished and will have to file for bankruptcy if the garnishment is not stopped. I would like to be added to any class lawsuit against XXXX or XXXX XXXX XXXX XXXX XXXX . Please stop the garnishment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, I discovered that i have been a victim of Equifax 's neglegence and incompetence in handling credit data. Equifax practically gave away to hackers my data and the data of half of America by storing it improperly ; if the data was encrypted, a basic standard in the data security word, it wouldnt have been accessed by hackers. Second off, i never approved them to obtain and store my data in the first place. How is it legal for banks. Etc to hand over my data to Equifax and similar companies without my consent? If they are going to store data they have an obligation to store it properly and there should be an opt out. I dont see how this company can continue to be in business after releasing all this data. They are only offering one year of free credit reporting to people affected by the breach. Thats unqcceptable. Our XXXXs and other data dont expire in one year so pretection from their mistake shouldnt either. Please update the laws to protect people from companies like Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
Well for several months I contacted Exeter Finance with no response to trying to solve the situation at hand. I was told that I had not paid for an XX/XX/XXXX payment. I let them know that the funds for XX/XX/XXXX had come out of my account. And they told me no I still had to pay for the month of XX/XX/XXXX. When I spoke to a repersentive they told me I was 112 days past due and was still demanding payment for XX/XX/XXXX. I was I also asked for a form to match payments made and never received it from them. So in the end they reposed the car and I was told that I still had to pay for the month of XX/XX/XXXX on top of all the other fees. Fees for storage, tow and all back payments which totaled around {$2000.00} dollars all in all. They are not a good finance company they offered no other alternatives. They are a straight rip off and are no good to consumers trying to make it. So by Exeter doing what they did I am now forced to file Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
In XX/XX/XXXX, I notified Bank of America numerous times about a company fraudulently charging my debit card for products I never rec 'd nor even received bills for. I asked the charges to be credited & future billings to be blocked. They opened up several fraud disputes & issued temporary credits but ultimately WITHOUT ANY PROOF from the vendor, reversed these credits. I explicitly asked BOA to get ( & provide me ) with proof from the vendor that I had received the products & with bills that were supposedly sent to me but they neglected to do so & relied only on a single phone call with the vendor who verbally said the charges were valid. I called BOA numerous times to reopen my claims, credit my acct, & to block future billing. In addition, I met my local BOA branch manager & asked him to escalate the fraud to the regional Mgr. I also pointed out the BOA claim detail was incorrect & needed to be fixed. We both ( again ) called the fraud Dept. to attempt resolution. BOA neglected to correct & reopen my claims & I never heard from the regional Mgr. I spent over 30 hrs & 5 mos. trying to resolve this, ultimately to no avail. 
I received a ltr from the FTC ( XX/XX/XXXX ) notifying me they sued & won a case against this very company that defrauded me out of {$1200.00}. I again contacted Bank of America fraud Dept. asking them to refund my {$1200.00} since the FTC substantiated the very fraud claims I previously reported. I spent another 1 hr & 40 mins with the BOA rep reviewing all the claim data ( dtd XX/XX/XXXX-XX/XX/XXXX ) & she opened case # XXXX ( XX/XX/XXXX? ). She advised me it would be escalated to a supervisor immediately & BOA would contact me. As of today, XX/XX/XXXX, I have ( again ) received no response, no claim has been opened, no credit issued to my acct. & this matter is still not resolved. 
It was bad enough for a vendor to get away with stealing {$1200.00} from my acct. but BOA 's financial neglect to properly investigate the fraud, stop it from recurring & to not properly pursue resolution, is unconscionable & only adds insult to injury.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-29 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: U.S. BANCORP
State: MD

Complaint narrative:
Incident Date : XXXX XXXX, 2016 Incident : A payment of {$1200.00} on an XXXX XXXX credit card account processed twice. 

Attempts at Reconciliation : I contacted XXXX at the time of the over-payment, at which point they tried to give me credit in the amount instead. As I explained to them, credit is not cash and I would eventually have to pay it back to them with interest, therefore it would in no way constitute a reimbursement. 

They agreed to send me a check, but when I received it, it was for less than {$200.00}. When I called back to ask about the discrepancy, they acknowledged the mistake but told me they could not send a check for the full amount as I had to have at least the amount in available credit to do so. 

I had several conversations with Customer Service since then and was told several different things. I lost my credit card and when I called to replace it today I asked if I could finally be reimbursed. This time I was told - alternately - 1 ) that I needed a BALANCE of at {$1200.00}, not available credit. ( This would require me to spend {$120000.00} to get  a check for it, which seemed completely nonsensical to me. ) and 2 ) when I pointed out the logic flaw, that " it was too long ago. '' Since it took this long due to mistakes on the credit card company 's part, I do not believe I should lose {$1200.00}. Additionally, according to Regulation Z of TILA,  in a case of consumer overpayment, the involved creditor must " Make a good-faith effort to refund the amount of the credit to a deposit account of the consumer if the credit remains for more than six months. '' No such effort was made - in fact, I feel I have been more obstructed by Elan than helped. 

I was ultimately told that I would receive a letter within 10 days detailing their " decision, '' which I did not find promising given my experiences over the past year, so I opted to move ahead with a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: CITIBANK, N.A.
State: MI

Complaint narrative:
Citibank Credit Card account numbers : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Remove consumer statement Both my Citibank cards have a consumer statement attached which are incorrect I am in the process of closing a large home loan near {$300000.00} The only hitch is both my citibank accounts are reporting as being in dispute. I called Citibank explained the urgency, informed them the account was not in dispute, as I currently use the accounts and make my monthly payments timely. The agent informed me to fax a letter requesting to remove the dispute immediately, but also stated this could take 30 days. I do not have 30 days. The consumer statement is not accurate I am asking for that statement to be removed immediately. 
I have attached : 1 ) the letter I faxed to Citibank 2 ) Page of my credit report showing the 2 Citibanks credit cards with Consumer Statements

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America is apparently retaliating against me for challenging their non-compliant predatory behavior by systematically denying disputes that they urged me to file. 

Just today they once again sided with the vendor over me and flooded me with 11 pages of mostly not filled in response forms from the vendor and are threatening to take about {$700.00} dollars of my money based on a few scrawled notes from the vendor the dispute was against. 

This vendor sold me merchandise that was not as described and then was passive aggressively uncooperative in proposed resolutions while Bank of America delayed and delayed in assisting in resolution. 

This followed a series of complaints against BOA I have filed in a number of different venues for their documented non-compliance with applicable banking and trade practice rules, regulations, and laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I reviewed my credit report and noticed a debt that had been paid yet it is still appearing on my credit report. I do not owe this debt and would like to have it removed from my report from all three of the major reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Last year, my mortgage was being handled by DiTech Financial. The mortgage is being handled by a new servicer now ( XXXX XXXX ). Nevertheless, DiTech Financial is still reporting a note on my old account from their office that my mortgage was in foreclosure. My mortgage was never in foreclosure, and I want DiTech to delete the foreclosure note from their account listing, or completely remove the account from my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, I received my Wells Fargo Class action settlement claimant number. 
On XX/XX/XXXX, I was notified I could then file my claim online via their website www.wfsettlement.com using the code I had received previously. When I visited their site and entered my claimant number and ( email address or/and last 4 of SS # ), and Captcha, the site either rejected my request either because of the captcha or because of the information entered. This rejection alternated rather randomly, despite the same information being entered ( only the captcha changed ).  It really seems like their site does not work for claiming the settlement money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax was hacked, and my information may be in the hands of criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX account numbers : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Remove consumer statement Both my XXXX cards have a consumer statement attached which are incorrect I am in the process of closing a large home loan near {$300000.00} The only hitch is both my XXXX accounts are reporting as being in dispute. I called XXXX explained the urgency, informed them the account was not in dispute, as I currently use the accounts and make my monthly payments timely. The agent informed me to fax a letter requesting to remove the dispute immediately, but also stated this could take 30 days. I do not have 30 days. The consumer statement is not accurate I am asking for that statement to be removed immediately. 
I have attached : 1 ) the letter I faxed to XXXX 2 ) Page of my credit report showing the 2 XXXX credit cards with Consumer Statements

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I received a letter in the mail stating I owe Army & Air Force Exchange SVC the collection company is XXXX XXXX XXXX a balance of {$1400.00}. I have filed a police report and have disputed charges and sent documents to them showing I am a victim of identity theft. However, because payments have been made to Army & Air Exchange SVC for this account. They say I owe the balance. I have never made any payments to Army & Air Exchange SVC. I have not received a card from them or benefit from this card. I have sent another dispute letter. I recently received another collection trying to collect the balance a couple of weeks after I sent my dispute letter out again to 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 2017-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Federal Pacific Credit Company, LLC
State: TX

Complaint narrative:
After repeated call to my cell phone and employer, I was finally able to call the company back and spoke to XXXX. I asked what they were calling about and they said I had a debt with XXXX XXXX from 2011. I advised " XXXX '' that this was not my debt and asked him for further information such as dates. I advised him that this was supposed to have been disputed and resolved so then he said " I thought you said this was not your debt! '' and before I could get a word in he threatened to pursue legal action and file a XXXX form with the IRS and hung up on me. I called back and spoke to another man, whose name I did n't get, and advised him of my conversation with XXXX. I told him that XXXX rudely hung up on me assuming the debt was mine. I advised him that this was not my debt and I had submitted a dispute long ago and had gotten this resolved. I advised him repeatedly that this was not my debt. He asked for my name and the last 2 of my ss # and after I provided that information to him I tried repeatedly to ask him to send me proof of this so-called debt in writing but he kept interrupting me. It felt almost like he did n't want me to say my request although I tried he talked over me and then abruptly placed me on hold for several minutes until I had to hang up because I had to return to work. I thought that I had gotten this incorrect information fixed long ago until this week when I began receiving multiple calls and messages from XXXX XXXX XXXX. The most frustrating part is that these men will not give me the time of day to properly request information in writing and advise them of the dispute resolution. Before he rudely hung up on me, XXXX said not to call them back unless I 'm ready to come to an agreement and that if I do n't resolve the matter they are filing a XXXX form. I should not have to go through the headache of disputing a XXXX when I already " resolved '' this erroneous debt years ago, nor should I be coerced to make " arrangements '' for something that I am not liable for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
In XX/XX/XXXX, while still completing my XXXX at The University of XXXX I applied to consolidate my student loans through the student loan office. 

I was very clear that I was in Education and hoped to eventually qualify for the Public Service Loan Forgiveness Program ( PLSF ) and was told that the consolidation was the only way I could do this. They told me that everything was setup and that I should be fine to do this, to make sure I made my payment on time and never missed for ten years. 

I completed my degree in XX/XX/XXXX and found a position at the XXXX XXXX XXXX in XX/XX/XXXX and began working full time. 

At some point, I received a notification that Navient had purchased my loan and I did not receive any information from them that my loan would not be able to be forgiven ( FFEL Loan ). 

I completed a the PLSF Employment Certification Program with my HR department at the University and submitted it to Navient on XX/XX/XXXX. 

I was informed that my loan was not a Direct Loan and not eligible for the PLSF. 

I am poised to apply for an income based repayment plan, but am reluctant to do so if this muddies the waters. 

Can you help me? I think that something changed and I do n't know where to begin to address this.

Company response to consumer: Closed with explanation