vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: CA

Complaint narrative:
Master Gift Card for {$200.00} issu ed by US Bank National Association was  purchased in  XXXX   XXXX . I realized th at the card has some fraud charges for around {$60.00} and hence I reported this to the Dispute Dep artment in  XXXX   XXXX . I was mailed replacement card for the balance amount but even after regular follow-up f or 3-4 mo nths the company never acknowledged the status on the disputed charges. In  XXXX   XXXX  I was told that I had not submitted the documents for both the fraud charges and hence I had to fax the info. I faxed the info in  XXXX  and was told that the transaction was denied due to delay in submitting all the documents. I need  US Bank to look into this issue urgently as this has been going on for more than 7 months now.

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 2017-05-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On or about  XXXX / XXXX / 2015   Wells Fargo Home  Mortgage sent {$6800.00} from my reverse mortgage account to the   XXXX   XXXX    XXXX , NY to pay Real Estate Taxes on my Residence at  XXXX ,  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX  This   action was WITHOUT MY KNOWLEDGE This action was WITHOUT MY CONSENT Six ( 6 ) days later ; ON THE DUE DATE ; I paid the same amount.
I subsequently contacted Wells Fargo ; made them aware of the problem and REPAID the sum of {$6800.00} to Wells Fargo Home Mortgage.
Despite many contacts with this Bank and in the company of the thousands of other Citizens who have had this Bank commit all manner of unauthorized transactions I have not been able to have this matter corrected.
TO THIS DAY, WELLS FARGO CONTINUES TO SHOW THIS DEBIT OF {$6800.00} AGAINST MY ACCOUNT TOGETHER WITH VARIOUS CHARGES WHICH THEY HAVE APPLIED FOR THEIR UNAUTHORIZED ACTIVITY.

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 2017-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I initiated a wire transfer for {$2500.00} on my account on  XXXX   XXXX ,   XXXX   and on  XXXX   XXXX , I submitted a stop payment request for {$2500.00} and entered  XXXX  in the check number field. A {$25.00}  Stop  Payment fee was charged for the request.  Chase Exective Office,   XXXX   XXXX   XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , TX  XXXX .   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , Oh,  XXXX , Care of  XXXX   XXXX , account no.  XXXX . Bank  XXXX  code :  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
America Express m arkets their EveryDay credit card as provid ing 2X POI NTS  at U.S. su permarkets on up to {$6000.00} per year in purchases, but fail to provide reward points for purchases from major  XXXX  California grocery stores, specifically  XXXX  and  XXXX .  XXXX , one of the largest supermarket chains in th e US, ow ns  XXXX  and  XXXX  ; the  XXXX  Website store locator clearly shows the stores. I have purchase d $ 1000s  of dollars from  XXXX  and  XXXX . I opened a complaint wi th Am Ex  :  XXXX . Am Ex says the  XXXX  division merchant coding indicates the stores  (  which  XXXX  is a part ) are something other than supermarkets. That is just flat out wrong. I cant fix it ; Am Ex wouldnt. I am hoping the CFPB can lend a little clout to getti ng Am Ex to fix what is probably a clerical or systems error and live by what they promise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CarMax, Inc.
State: TX

Complaint narrative:
On  XXXX   XXXX ,    2017  I received an alert that a collection account was added to my credit file. I did not receive any prior notice that the account was going to collection. To my knowledge, I 'm suppose to receive written notice allowing me 30 days to dispute the validity. This is a direct violation of my rights. I need to see a copy if the documentation that was mailed to me at least 30 days prior, the address the notice was mailed to and any other supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GVA Holdings, LLC
State: MA

Complaint narrative:
I took out a payday loan a couple years ago. I fell behind or changed banks and missed a payment. Last year, I was contacted by letter or call to pay off {$210.00} to close the case. I paid that debt and even received a letter from North Cash in  XXXX   XXXX  to say they received my payment and case is closed. Now a year later, i have been getting emails starting on  XXXX / XXXX / XXXX  to settle the account. I have emailed to say account is swttled since last year and even gave date and check number ... Last thursday  XXXX   XXXX , I spoke with someone after getting voicemail about debt.. The guy said he was referring the case to supervisor and wanted me to fax over the letter. I said no as it should be in the file since it was their letterhead. I told him that they were harassing me for debt which was paid and if they contacted me again, I will file a formal complaint as I no longer owe the debt for a bout one year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ZWICKER & ASSOCIATES
State: NC

Complaint narrative:
Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX set aside the Judgment. XXXX XXXX also stated that the statute of limitation 's was up and the debt from XXXX could not be collected by any other means. On XXXX XXXX I received a call from Zwicker & Assoc 80 Minute XXXX XXXX, XXXX MA XXXX trying to collect the XXXX debt. I told them about the ruling of XXXX XXXX and faxed a copy of Certificate of Service they said they would review the document. The firm North Carolina phone is XXXX XXXX. They have no legal right to try to collect the debt. I faxed the documents to XXXX XXXX at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: MS

Complaint narrative:
On  XXXX   XXXX ,  2017 Wells Fargo sent me a letter notifying me they were closing my safe deposit box. I promptly complied with their request for me to return the key. Unfortunately they have refused to return the money I paid to rent the safe deposit b  ox.

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 2017-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I transferred my balance fro m American Express to   XXXX   XXXX   XXXX  . American Express claimed that they received the close-out 5 days after my payment was due. They charged me an additional {$35.00}. I made the transfer more than 10 days before the du e date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC
State: AL

Complaint narrative:
Got Loan f rom company on approximately  XXXX / XXXX / 2016  to fix my automobile in anticipation that my  Insurance Company   XXXX   XXXX  would be paying for damages incurred by a freeway accident on  XXXX / XXXX / 2016 .  XXXX   XXXX  found a way to deny my claim on  XXXX / XXXX / 2016  and I was stuck with the loan. Did research on to try to find a solution and found out that the loan itself is illegal in the state that it originated according to anti-loan sharki ng laws, California, the state that it was loaned in according to small loan law, Alabama, and according to Federal Law, the Electronic Funds Transfer act, because the loan requires to originate both that the lendee accept from the lender and make payments to the lender by Electronic funds transfer to be abl e to receive the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: MD

Complaint narrative:
This is a follow-up to a complaint previously filed by me on  XXXX   XXXX ,  2017 . As background, I had not received a paper statement of my monthly bill and I was getting worried that they would send it too late for me to make the  XXXX   XXXX  payment on time. I did n't want to incur a late charge. I contacted customer service of  XXXX   XXXX  because that was  one  of the logos printed on a prior mortgage bill ) and  XXXX  told me that CMC Funding was servicing my loan and  XXXX  could not help me. I called  CMC Funding  and they pointed me to their website ( I never received a welcome package or information of what the website for online payments was ). But then I could n't seem to login. Finally, after working with the customer service person for an hour, I was able to access my online account and I paid my mortgage for  XXXX   2017 . Today I wanted to go online and check my escrow balance so I went to the CMC website. I clicked the top login button on the webpage and I was routed to a login page where I entered my information. But the webpage said that it did not recognize my account information so I called customer service back to report the online issue. When I spoke with the customer service representative, I was told to go back to the  CMC  website and click the login function on the BOTTOM of the webpage, as the login function on the TOP of the webpage routes to  XXXX  due to a website error. Both  XXXX  and CMC are subsidiaries of  XXXX  but they service different loans for the company. I find it concerning that CMC knows that there is a website functionality error on their website that is routing customers to the wrong loan servicing company and their current solution is to wait until customers call and direct them to use the bottom login. Before I 'd been told this information, I kept going to the top login function to try to access my account and on multiple occasions entered my social security number and other identifying information. It 's disconcerting to me that my information might have been sent to a loan servicing company that is n't associated with my mortgage on multiple occasions due to their website functionality problems. Moreover, CMC still has not addressed why I am no longer receiving paper statements. I ask that CFPB investigate   XXXX   and CMC to determine whether these companies are appropriately servicing loans and whether their negligence results in higher levels of loan defaults and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I have sent Central Credit Svs LLC a letter requesting back up for this debt - which I do not know what this is for.   They have also stated that  XXXX   XXXX   XXXX   XXXX   XXXX  has purchased the debt.   They responded with an invoice that has  XXXX  line stating emergency eval?? no idea what this means nothing else is included except for the fact it says Patient Portion due  XXXX  Past due amount  XXXX  They are continuing to send me the same letter stating this is " Back up '' for the debt owed I want this removed immediately from my credit report and for them to cease all communication/collection on this debt which states my portion is  XXXX  and if there is a debt owed please provide proper documentation.

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 2017-05-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau of the South, Inc.
State: LA

Complaint narrative:
I have no contractual obligation to pay this collection agency. I have asked for validation that this account belongs to ME, and they did not provide me with sufficient documents  within their 30 all owable days. All I have received are statements from another company. They are in current violation of the FCRA. I have also asked for them to update their records to reflect correct information, which they have not done so. This collection agency shows up as " Credit Bur eau of the South '' on my credit report, but all corresponding information from them is listed as "    XXXX   XXXX   XXXX   ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Commercial Recovery Systems
State: TX

Complaint narrative:
On  XXXX / XXXX /   2017  I received a phone call at my job fro m CRS and Associates. T he man on the line advised me that he had 'my file ' in his office. He then went on to recite my social security number. My calls at work are recorded at all times, so this was extremely unacceptable. I have never heard of this company, nor have I given any consent to contact me at work. This company is extremely unprofessional.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
Dates and Amounts :  XXXX /2017- $  XXXX   XXXX /2017- {$100.00} -   XXXX  /2017-  XXXX  and  XXXX / XXXX / 2017  - {$50.00}. I called and went by the bank on  XXXX / XXXX / 2017  to inquire about the amount that has been taking out of my account ; and was told to come back on  XXXX / XXXX / 2017  to be able to see the image on the check. At that time I was not aware of the other amounts that have been debited from my account without my authorization. looking at other dates I found others dates and amounts unauthorized.  XXXX / XXXX /   2017  is when I was presented with the printout of other amounts that was taken out of my account.   I was also told close the account and open a ne w one and  I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a statement from Visa with a closing date of XXXX, balance showing was a credit of XXXX. I thought a vendor was going to mail me a check for a refund but they credited my Visa account. On XXXX I paid Visa my statement balance and I realized I was going to have a problem with a credit balance if they received the XXXX. They told me they had not received it. I have called numerous times for my refund and the best I am told is that I will get it but no time frame as to when. The reason is, " the amount is too large ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MO

Complaint narrative:
I had a loan with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX . They have gone bankrupt and my loan has changed hands either because of their bankruptcy or us refinancing somewhere else.  XXXX   XXXX  is no longer in business but the  Lien  is still on my property. I would like to remove this from my deed/title. Please help.    XXXX   XXXX  was  XXXX   XXXX  but have been divorced. If u need divorce papers or anything feel free to contact me.    XXXX   XXXX  Missouri  XXXX    XXXX   XXXX   XXXX   address was  XXXX   XXXX   XXXX   XXXX , CA  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On Wednesday,  XXXX   XXXX , I received a letter from   XXXX    XXXX   XXXX  stating I had contacted them about a fraud alert. I never requested this service. Then, today,  XXXX   XXXX , I received a letter from Experian about an " initial security alert '' that I requested, and it is using the phone number of a home we sold almost 3 years ago. These services were never requested so I tried to contact them. However both companies have an automated system and there is no opportunity to speak to someone about this issue. Even the phone numbers I found online are automated. My fear is they will also be charging me for these services at some point. Both letters also list   XXXX   so I am expecting to hear from them as well so I have included them in this complaint.     I am attaching the letters I have received.     Thank you for your assistance in this matter.

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 2017-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XXXX   XXXX   XXXX  represented by Credit Collection Services is attempting to collect monies that I feel are not owned. This company has changed the amount of the debt since my last communication with them. But this alleged debt is false. I have mailed documents to this company showing evidence of my position to no avail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CASHCALL, INC.
State: MO

Complaint narrative:
I made my first loan payment t o Cash Call on th is loan on   X/XX/17   . It was due     X/X/17  .  Cash Call applied principle and interest exactly as if the payment had been made on   XX/XX/XXXX  . When I protested, they have told me that all payments are credited on your due date regardless of the date you make them.     This is definitely a simple interest loan. The exact quote from the paperwork on this loan regarding interest figuring is : " Interest is calculated on a  XXXX  simple interest basis. This means that interest is calculated by dividing the ann ual Interest Rate by 360, multip lying that number by the outstanding principal balance, and multiplying that number by the number of days the principal balance is outstanding, assuming that each full month is comprised of 30 days. '' However, Cash Call in effect is holding the payment and thus changing the " number of days the principal balance is outstanding. '' They thus refuse to give me credit for the payment toward principle for several days while waiting for the due date. This, of course, changes the date on which the principle decreased due to the payment and gains  Cash  Call increased interest for those days in which they pretend the principle was still full balance, while in fact they already had the payment and principle should have already decreased.     This is not how any simple interest loan I have ever had does it. Cash Call themselves in my prior loan with them always applied payments on the date made, deducting first interest due through that date and applying the rest to principle. They did not on the prior loan hold payments until your next due date to gain themselves extra interest in the meantime. However, they are now.     I have attempted to resolve this with Cash Call extensively. However, they simply keep saying that all payments are handled as if received on your due date. Due to the massive potential benefit to them in holding payments and delaying drop in balance, I am now starting to question their honesty in this tactic and think it is a deliberate attempt to pad their own coffers at the expense of customers. It is not right for Cash Call to have my payment, yet not apply it for several more days just so they can earn the higher interest for days in the interim by delaying any payment to principle.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have an Exxon Mobil " Smart Card '' credit card that gives a XXXX " Loyalty Reward '' rebate for every gallon purchased. I believe it is administered by Citibank.
For each purchase, the statement shows 1 ) address of gas station, 2 ) gallons and type of gas purchased, 3 ) a Reference number, 4 ) invoice number and 5 ) Amount paid.
The " Loyalty Reward '' sums up the total gallons purchased during the billing period and rebates XXXX per gallon ; and applies it to the amount due. But there are many instances where the " gallons and type of gas purchased '' is not stated. Instead it states " Miscellaneous. '' So the gallons purchased under " Miscellaneous '' is not used to calculate the Loyalty Reward rebate. I checked previous statements and it happens even 4-5 years ago. In a XX/XX/XXXX and XX/XX/XXXX purchase stated as " Miscellaneous '' I should have received an additional {$2.00} in rebate.

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