vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am sending this regarding the expired Costco Cash Rewards Certificate. XXXX XXXX, I went to my local Costco warehouse in order to use my certificate towards merchandise. When I got to the cashier I was told to when I was trying to pay for my merchandise that I would have to go to customer service and get this exchanged to cash or check. So I went to customer service and the employee told me he would have to speak to his supervisor about this and the supervisor told the customer service employee to speak to the manager. I spoke with XXXX the manager of the Costco Warehouse in XXXX at around XXXX and he told me that in order to use this check, Citi will have to reissue another Costco Cash Rewards certificate in order for me to use it for merchandise. Please reissue me another certificate.

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 2019-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
My perception is that the M & T XXXX XXXX XXXX XXXX Bank at XXXX XXXX XXXX XXXX, DC, XXXX, is engaging in an illegal practice of charging an unauthorized fee to customer checking accounts. I opened an account with this bank XX/XX/2019, and specifically stated that I did not want checks. On XX/XX/XXXX, when reviewing my account on-line, I saw that on XX/XX/XXXX M & T had charged my account for {$16.00} for unauthorized checks. Not only was the charge not authorized, the deduction from my account invalidated a promotion to keep the account balance at a specific dollar amount. 

I asked to speak to a manager and was told he was unavailable. So I went to the branch XX/XX/XXXX to speak to the Branch Manager, XXXX XXXX XXXX. Mr. XXXX had no explanation as to why the charge was put on my account, nor why the charge appear almost a month later when it might not be noticed by the average consumer. Although he did reverse the charge, he could not guarantee that I will not face a new problem when the promotion comes due XXXX. 

I also called M & T 's corporate customer service, XXXX, and was stone-walled. The supervisor to whom I spoke, XXXX ID # XXXX, refused to escalate my concern to the manager level, refused to leave a message for a manager to return my call, and refused to accurately record my complaint/concern by omitting my comment that he would not pass on this concern to a higher level.

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 2019-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
In XX/XX/XXXX my XXXX XXXX was one month away from lease being complete. I was paying the car note. The Escape was impounded by XXXX for tickets. Since it was so close to time to return vehicle and I wanted to be transparent, by notifying Ford Motor Company Credit, they told me since they were title holder they could get car out of impound, they never told me they would consider this a default to my lease agreement. Once that was done they considered a default on my lease agreement and charged me for the entire amount of car. I paid over {$4000.00} then stopped paying in XXXX. This year I received a notice in XXXX XXXX that a judgement to garnish wages have been taken against me. I live in XXXX and have been for 8 years. They are demanding I pay {$8100.00} for this car loan to Ford Motor Company. They took possession of the car and I paid over {$4000.00}. They are threatening to garnish wages. This would devastate me considering I am currently a single income household.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-29 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: LA

Complaint narrative:
I am aVICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit ( DOMMA ) is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2019-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo has committed fraud again against the XXXX XXXX communities. I called Wells Fargo to close my account and to send me a confirmation regarding that closure. However, I spoke to numerous management and employees with no recourse. 

The Executive Team at Wells Fargo do not want to close my account, but to collect the interest by keeping it open. I requested a copy of the Deposit and Closure policy, which they failed to provide to me and have been given the run-around. I would like the following Executive management and employees to be investigated for fraud and failing to close accounts in a timely manner. There names are the following : 1. XXXX XXXX, Wells Fargo Executive Office 2. XXXX XXXX, Wells Fargo Executive Office 3. XXXX, Wells Fargo Executive Office 4. XXXX XXXX, Wells Fargo Executive Office 5. XXXX XXXX, Escalated Service Banker 6. Mr. XXXX, Wells Fargo Executive Office They are committing fraud and numerous violations by not providing confirmations for closed accounts, but keeping the accounts open for their personal and financial gain. I have spoken to more than 15 employees at Wells Fargo to get a copy of the closed checking account.

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 2019-08-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK
State: PA

Complaint narrative:
I have tried to open an online savings account with VIO Bank twice and been denied. 
The bank refuses to give a reason, though I was told on the first application it was a Consumer Credit Agency report problem and asked for additional information ( facsimile of Driver 's license ( which was provided ) ). The bank refused to provide a letter stating the reason for the denial. 

On XX/XX/19 I filed a new application, which was again denied online. A call to the bank resulted in the customer care representative telling me that he could not disclose any reason for the denial. I told him I would request the reason for the denial in writing. After consulting with his supervisor, the VIO Bank rep reported " that is only for brick and mortar institutions, we are strictly an online bank ''. When I asked if any Consumer Reporting Agency was used to deny my application, the rep refused to answer. 

It is obvious that SOME Consumer Reporting Agency was used because the personal identification questions that the bank used were directly from my credit history and that information was provided during my initial application by a previous representative.

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 2019-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: F.H. Cann & Associates, Inc.
State: MO

Complaint narrative:
XX/XX/XXXX @ XXXX, I contacted F H Cann & Associates to make arrangements to pay my student loans. The representative who answered the call stated, I couldn't make arrangements to pay my student loans because I had made arrangements in the past with the past servicer. He then asked if I could pay XXXX to pay my loans off. I informed the gentleman that I didn't have XXXX. The gentleman said we'll I didn't qualify for any other program, I could only do the program 1 time. My only options were to pay over XXXX a month or settle for XXXX. He stated his computer shut down and he could no longer assist me. I hung up and called again at XXXX, spoke to another representative he stated again I didn't qualify for any programs and I can only do the program once and he could settle for XXXX and close the account. I asked could I apply for financial assistance and originally he said I couldn't. He then stated that he'll mail the form to me. I then called back at XXXX to request a deferment till I recieve the forms and they are processed and the representative said they couldn't give me a deferment. I called XX/XX/XXXX because I never received the financial forms I requested and asked for a deferment the representative said she sees where the forms were mailed out but still refused to give me the deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has failed to remove the unverified Public Record-Bankruptcy from my file. Experian advised they verified a Bankruptcy associated with me with the XXXX District of Georgia Bankruptcy Court. I have documents supporting that is incorrect and not the truth as they do not provide information to credit reporting agencies. This bankruptcy belongs to someone other than me. I have no association with the Bankruptcy and Experian has failed to provide any documentation associating me with the bankruptcy. Experian is well aware they are in violation of the FCRA to delete inaccurate and unverifiable information within 30 days.

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 2019-08-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
My father passed at the end of XX/XX/2019. I called Navient to find out what the process was to have him removed as cosigner on two student loans he was a cosigner on. They stated once I receive the death certificate and letters of administration, that I would need to upload the documents to them for them to remove him. Once I received all the documentation, I uploaded them to Navient on XX/XX/2019. I called on XX/XX/2019 to confirm the documentation was received and was being forwarded onto the department that will handle it. I called again on XX/XX/XXXX to check on the status of the account. I was told the paperwork was at the claims department but had not yet been processed. I called again on XX/XX/XXXX to check on the status of the account, again was told the paperwork had been received but had not yet been processed and the paperwork needs to be forwarded on, which one ever did. She said it would be done so and she was putting a high priority on it as I had started getting called about collection on his account though the notated the system of his death. She told me to call back on XX/XX/XXXX. Meanwhile Navient locked his account out on XX/XX/XXXX. I called XX/XX/XXXX and a Ms. XXXX said there was still no update and transferred me to a supervisor named XXXX. XXXX said I need to wait until the end of the next billing cycle that ends on XX/XX/XXXX. XXXX said he would call me back on XX/XX/XXXX, I never received a phone call. On XX/XX/XXXX I received a phone call from Navient telling me to call back. I call the number back that was given and was subsequently transferred two times until they could get me to the proper department. I spoke with someone with employee ID XXXX and she told me the people I had been talking to after calling Navients phone number was a 3rd party doing business on their behalf by the name of XXXX. She told me the account has been marked as deceased, but that the collection agency would continue to call me because one of the bowers accounts hasnt been paid in a few months. I told her he was dead and that they wouldnt be getting any money from my father. I also asked what it would take for them to process and remove him from the loans and to end the phone calls to me. She wouldnt answer my questions. I told her I'm filing two complaints, this one and one with Federal Student Aid. I also told her to never call my number  again. Will be speaking with my attorney as well. This constant bantering and dealing with this inept company is taking a mental and emotion toll that is unwarranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
It has just come to my attention that this account is still reporting on my credit reports.I requested proof of ownership for the account reporting on my credit reports by Security Credit Services. I have received no response from Security Credit Services. I requested the proof in writing via certified mail on XX/XX/XXXX mail receipt # XXXX XXXX XXXX XXXX XXXX and again on XX/XX/XXXX mail receipt # XXXX XXXX XXXX XXXX XXXX. I also requested XXXX, XXXX and XXXX verify the account and none of the agencies have been able to provide me with any written proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX a sofa, love seat, table and chairs and was never delivered. Debit card charged {$2400.00}. Bank says Visa denied claim, we have no furniture and no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: OH

Complaint narrative:
Made the mistake of contacting this company back in XX/XX/2019 for a short term loan of XXXX. They started taking XXXX a month out of my account. I contacted them in XXXX and was given a payoff of {$830.00}. I had already paid them {$1300.00}. I told them that I was revoking the authorization to take any more money out of my account. I then requested a copy of my agreement which took over a week to get. I finally received the copy of my agreement and it showed the interest rate is 749 % which is illegal in our state. So if I continued to make payments of the regular amount, I would owe XXXX I call them and get no response. I now understand this is illegal and doing even more research found that this company is not licensed to do business in our state of Ohio. I am a mother who is struggling to finance XXXX for a son who is caught up in the XXXX crisis. 

I tried to upload documents and it would not load. If I can email this please let me know. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have been in contact with Equifax for over a year constantly providing legal documentation proving that I am indeed a victim of identity theft. Equifax has ignored a majority of my written correspondence, not disputed fraudulent items with companies, continues to report accounts that have my name attached to different social security numbers, reporting fraudulent addresses and more. I have mailed over 50 copies of my documentation to Equifax since late 2018 all with no responses. Equifax has admitted to sending mail to an address that I informed them that it seems is where a bulk of the fraud had originated from. Please help me resolve this matter with this company immediately if possible. I have been denied employment and have been unable to buy a house due to ill reporting by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
XX/XX/19 Auto pay benefits were cancelled because of one auto loan payment was reversed. 
I contacted the company but would not direct me to a supervisor. Giving me the run-around and putting Menon ridiculous wait times. 
I have suffient funds in my account. 

I have made loyal auto payments for the past few years and they cancel my benefits to lower my interest rate because of one incident. Navient was forced upon me and I have no choice but to agree to predatory terms and agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: MI

Complaint narrative:
LJ ROSS called me and they want me to pay {$320.00}. I paid all my balance by XXXX XXXX   credit card settle in full XX/XX/XXXX-XX/XX/2019.

They still sent my file for {$42.00} on XX/XX/XXXX-XX/XX/2019.

We are trying to refinance our house and the score dropped drastically. I called them and they said they missed the amount so they reported to the credit bureau.

I again offered to pay and they took my money and they are stating it's my job to call all bureau and fix. The staff is rude.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: OK

Complaint narrative:
I received a call and a letter from the XXXX XXXX XXXX, Letting me know that they were going to sue me on a payday loan. I took out this loan back in XX/XX/XXXX/XX/XX/XXXX, and they are claiming that I committed Fraud on them. This statement is not valid, but the main issues are, the debt is over the statute of limitations to collect in the state of Oklahoma, which is the state I took the loan out. XXXX threatens to take me to court, calls all the time and now are telling me that " my case has been noted with malicious intent to commit fraud. '' This company is harassing me, calling me all the time and they are just rude. I try to tell the customer service reps that it's out of the statute of limitation and they yell and call me a thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
In lew of my previous complaint with Bank of America, I called them yesterday to request a print out of all transactions from my business checking account ending in XXXX. They are aware that I am getting a case against them for stealing {$5100.00} by proving the debits they took out on the agreed amount of {$100.00} per month from XX/XX/XXXX to late XXXX. They will continue giving me the run-a-round. I have a right to the records of my checking accounts.

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 2019-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2019 - There is a fraudulent hard inquiry ( making my credit score go down ) on my Equifax credit report ( but not my XXXX  account ) from XXXX XXXX dated XX/XX/2019. I disputed with Equifax and their reply was 'inquiries are a factual record of file access - contact the creditor '. I contacted XXXX twice and after being on hold forever, finally reaching a person, I was then disconnected on both calls ; the third call I was told there was nothing with my name, no account and my social security did not show up with them at all. I asked them to contact Equifax to verify this information and was told they could not do that because there was no information showing up. I have never requested any wireless service or tried to set up an account with XXXX XXXX - have had my wireless service with XXXX for 15+ years now. I contacted Equifax and told them what XXXX said and was told filing a dispute with FTC or police was my only option now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my credit report on XX/XX/2019 and noticed that a fraud alert had been placed on my file without my knowledge nor authorization. I sent a letter via certified mail along with my driver 's license on XX/XX/2019 requesting for the fraud alert to be removed. I received a letter from Equifax dated XX/XX/19 basically stating that they reviewed my current address and added it to my profile. They did not state that the fraud alert had been removed as I requested.

Company response to consumer: Closed with explanation