vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-04 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: CITIBANK, N.A.
State: PA

Complaint narrative:
When my Best Buy credit card statement was received XX/XX/XXXX, the only charges on it were 4 that were not recognized by myself or my husband. I went to the 2 websites listed and had never seen them before. I called the 2 numbers listed and got the same recording on both, '' this number no longer active ''. I felt that someone had gotten my credit card number and was using it illegitimately. I called customer service and explained that I didn't know what these charges were for and could not reach the merchant. A fraud investigation was opened and the account closed and a new account opened. I destroyed the old cards and when the new cards were received we put them aside until the problem was settled. Since then I have called Best Buy 12 times and spoken to over 20 people in an attempt to get this resolved. It was changed to a billing dispute from a fraud investigation when the fraud investigator said it looked like a free trial that inadvertently enrolled me for continuing shipments. She asked if I had ever clicked on an e-mail for free samples. I said that i had clicked on an e-mail for samples from a company called XXXX several months before. I had difficulty getting out of the site, every time I clicked exit, I went to another screen. I think that finally I had to close the browser to get out. I never received an e-mail confirming the purchase and when the samples came there was no statement enclosed. The product was so unprofessional appearing that I never even tried it. There were no further mailings. She recommended changing it to a billing dispute. This was done on XX/XX/XXXX. It has now been 3 months and my bill has grown from {$140.00} to {$250.00}. Over the holidays I started getting XXXX phone calls, even though every time I have called and asked what to do about the bill, they tell me it will be corrected and not to pay it. My last contact XX/XX/XXXX again told that mistakes had been made in my account but that it would have to go to the actual investigators to be resolved and that couldn't happen at least until Monday. I was advised to wait a few more days and call back. I requested that the investigator call me back when it was settled. I decided to go ahead and file a complaint because I have heard that this is all going to be straightened out soon at least 3 times before.

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 2019-01-04 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: NY

Complaint narrative:
I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on Experian, XXXX and XXXX XXXX respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.

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 2019-01-04 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: NY

Complaint narrative:
I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, Equifax and XXXX XXXX  respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
Collection company is attempting to collect a hospital bill which was already paid by the patients health insurance company. Collection company repeatedly, fraudulently, verifies that the debt is correct even after being notified by patients health insurance company as well as patient 's mother that debt was paid. EOB showing payment amount and in network participating provider documentation have been provided by health insurance and damaged individual. Collection company is currently causing significant monetary damages to consumer by way of reduction of credit score/denial of credit due to this fraudulently publishing.

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 2019-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
Victimized by predatory lending when purchased used car. My credit score was not even that low to merit a sub prime lender. The lender immediately started imputing fees and I got further and further behind. They called 10-20 times a day, seven days a week and when I asked them to stop but rather put it in writing they said I had a cease and desist order, of which I never did. They said I missed two payments ( $ XXXX/mo ) in the life of the loan and on XX/XX/XXXX they repossessed my car. I purchased the car XX/XX/XXXX for {$12000.00} and to date have paid more than {$10000.00}. According to the lender, because of the " simple interest loan '' and my outrageous APR ( 25 % ) I still owe them {$11000.00} and now my credit is ruined and I have no car. HELP PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
on XX/XX/2018 I handed a check for {$400.00} to the lady working in the office at XXXX XXXX XXXX to cover my Husbands storage unit for the month that was late and 1 month in advance. I left and while driving home about 5 minutes later I called the lady and asked her to not run the check and I would bring her the cash of {$400.00} becauseI didn't want the check to bounce. She said okay and I brought the cash. She told me she DID NOT RUN the check when she took my cash. She handed me my check back and I ripped it up. A few days later my bank let me know I was overdrawn due to the payment that cleared to the storage company. I filed a dispute and requested they cancel the payment since I had paid with cash. They told me it would beep to 10 days until they resolve the issue. Well, a few times a week someone from Wells Fargo would call me asking for funds to put in my account, I kept telling them there is a dispute going on and they all said okay we'll work on it.. NO ONE EVER SAID THEY COULD NOT STOP THE PAYMENT. Later I find out that the lady that ran my check actually did an electronic check, which that alone was fraudulent of her for several reasons. I told her not to run the check, she told me she did not run the check. Moving on ... here we are in XXXX and now my bank account has been closed, the storage is claiming they never ran the check and are threatening to auction the storage due to non payment. No-one will help me and I have givin the storage my bank statement PROVING they took my money. They keep denying it. I am outside of 60 days now but have been constantly contacting both the bank and the storage company trying to get this resolved. My bank has sent me to collections already and I don't know what else to do. Also, when the bank notified me my account was closed it said I can still access my statements for 90 days. I tried to get my statements proving the check was cashed and haha I had no such access to ANY bank information. The storage people ( 3 ladies ) call me daily asking for money, its harrassment. The lady that took my check and cash knows what she did and still had the nerve to call me! 

Wells Fargo 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 2019-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Stage Funding
State: WA

Complaint narrative:
My loan servicing provider recently changed ( effective XX/XX/2018 ). Upon receipt of my first statement, 1. Not only was my current payment not credited ( {$670.00} was due according to my statement from the previous servicer, XXXX, and I paid {$700.00} ), there is another charge for " Total Fees and Charges '' in the amount of {$1500.00}. These dollar amounts don't add up. 

2. There is a charge for " Deferred Balance '' in the amount of {$2200.00}. I have paid this account consistently for many, many years and do not have a " Deferred Balance. '' I have never deferred anything on this account.

3. I requested a payoff from this company once on the phone ( XX/XX/18 ) and twice in writing. I have yet to receive the payoff quote.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX My employer is XXXX XXXX XXXX ( XXXX ) I found addresses that do not belong to me on my credit report please remove the following:XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX I have included my ID ans SS info for proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX   My employer is XXXX XXXX XXXX ( XXXX  ) I found addresses that do not belong to me on my credit report please remove the following:XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX   , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX  I have included my ID ans SS info for proof of address.

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 2019-01-04 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: CA

Complaint narrative:
I am a victim of identity theft. My personal information was compromised and a fraudulent charge was included on my account without my consent or authorization. 
I sent this company my dispute letter on XX/XX/XXXX18 with a detail explanation on the above mention case. I even attached the following documents as proof for their smooth investigation on this matter : 1.Identity Theft Report 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act But to my surprise, this company still kept reporting this fraudulent account. This letter is a written proof of my intent to resolve this matter and have the fraudulent account expunged from my report before pursuing legal action.

For yet one last time, the following account had a fraudulent charge : XXXX XXXX XXXX ACC # XXXX, Date Opened XX/XX/ 2018, Original Balance {$280.00} I have attached herewith the letter I sent to this company and my identity theft report for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I needed to update my credit report because I found several items that are not accurate My name is XXXX XXXX XXXX please remove any other variations of my name. My employer is XXXX XXXX XXXX ( XXXX ) I found addresses that do not belong to me on my credit report. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have included my ID ans SS info for proof of address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
From XXXX XX/XX/XXXX, Wells Fargo miscalculated deliquent interest fees. On XX/XX/XXXX I got documents from Wells Fargo regarding my equity from the sale of my home. My home sold for more than my loan amount. Wells Fargo sent me a breakdown of my foreclosure fees. I was charged {$16000.00} in deliquent interest over a 5 month span. If you break that down to charges monthly that means I was charged {$3300.00} per month for 5 months with an interest rate being 6.150 on {$150000.00} ending principal. The math doesn't figure. Also I was charged {$2400.00} for an escrow advance. I did not have an escrow account. I paid my own homeowners insurance and property taxes which leads into corporate fees of {$2300.00}. which is forced insurance. My home owners insurance was through XXXX XXXX XXXX, XXXX XXXX, agent for XXXX XXXX XXXX. I'm sure some just miscalculated there figures but bottom line I should be compensated for over charge or forced charges.

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 2019-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Inquiry XXXX I received a promotional offer to open a Citi Priority bank account and after 2 criterion had been met would receive XXXX Thank You points. I have a credit account with Citibank and the two requirements ( spending {$750.00} and setting up 2 months of autopay for a bill within 60 days ) seemed easy to meet so I decided to give it a try and move a small amount of funds to open an account. From day one there were problems -- first, my opening deposit received an error message online so I called in to make sure it wasn't processed. The customer rep told me they were sure it had not been and that I could try again. When I made a second attempt that seemed to work, I shortly after ( the next day ) received a notice from my bank that there were 2 transactions initiated. I attempted to cancel one and somehow this disrupted Citibank 's delicate and outdated system and caused my account to have a negative balance before I had even had it functioning for two days! I waited almost a week for this to be cleared up. I then changed an autopay of mine to come out of my new city account. At the end of the first month the bill came out and I had spent the {$750.00} required. I called customer service to confirm this and they told me that they could not confirm I had met the requirements but informed me that it was not as simple as setting up and auto pay " you have to add payees ''. Let me point out very strongly this was NOT what the promotional card said. It did not explain the " setting up payees '' is what is required to meet the autopay requirement. At this point I knew that Citibank would attempt not to award the Thank You points I had earned. I set up my aforementioned autopay as a " payee '' and designated that {$100.00} be paid monthly -- this setup was done WELL within the two months. If conversations are recorded then Citibank has evidence of all this via my conversations with the customer service representative. I opened an inquiry about a week ago in my local branch regarding this and received a letter from Citibank dated XX/XX/28 stating that I did not meet their very cleverly vague " bill pay '' requirements. I did meet these requirements even though I had to do my own digging and clarify the promotional card with the representative to do so. I insist on being awarded my Thank You points in entirety. I am extremely thankful I did not transfer more than a tiny amount of my funds and assets to Citibank 's care, as I see they are very dishonest. I will make sure my dealings with their " promotions '' are seen on social media and I will most definitely warn all of my acquaintances both business and otherwise of how I was scammed by Citibank.

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