vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
O n  X/X/17 , Citibank ema iled a letter to me asking to cash an official check indicating, this can be easily resolved by simply depositing the check or requesting a replacement.     O n  X/XX/17 , I deposited the check at  XXXX  ATM, but re ceived a letter from chase saying that that  XXXX  could not accept a check that is over 6 months old and direct me to ask the Citibank to re-issue the check.     On   X/XX/17 ,  I called the person who open the account for me,  XXXX   XXXX , at  XXXX   XXXX   XXXX , CA location.  XXXX   XXXX  told me who could not do anything for me.  One w ould hope that the banks representative that opened your account would be there to help later. Some call it the moment of truth.  XXXX   XXXX , however, was not willing to assist me at all. I explained to  XXXX   XXXX  that I already spoke with Citibanks customer service and I was informed that the cashiers check has not been cashed and a new check needs to be issued at the local branch.     O n  X/XX/17 ,  I visited Citibank office in  XXXX , CA that is closer to my work. I met with  XXXX   XXXX .  XXXX   XXXX  was not able to resolve my issue and said she will update me with the status on the following day, Friday ,  X/XX/17  and will expect to have it resolved by Monday,    X/X/17 . D espite her promise,  XXXX   XXXX  has not called me at all. My calls to that branch would always be forwarded to  XXXX  customer service that in turn would not be able to assist me.     After waiting for over a week for  XXXX   XXXX  response,  on  X/X/17 , I  called  XXXX  customer service at  XXXX  and placed a complaint #   XXXX    XXXX   XXXX   XXXX   XXXX  with  XXXX   XXXX ,  XXXX   XXXX .  XXXX   XXXX  assured me that an email will be sent immediately to  XXXX , CA branch,  XXXX   XXXX , and the branch  XXXX  and that I will receive a response shortly. To this day, I have not heard back from anyone at that branch.     O n  X/X/17 ,  I went to  XXXX  Bank branch in  XXXX , CA, my current bank. I spoke with the assistant branch  XXXX ,  XXXX   XXXX , about my inability to resolve this issue with Citibank. She encouraged me to get in touch with Citibanks corporate office and to file a complaint with the government.     O n  X/XX/17 ,  I visited  XXXX  location in  XXXX   XXXX , CA. I asked  XXXX   XXXX  to see the branch manager,  XXXX   XXXX , but even though she had no clients in her office, I was told she could not meet with me.     As you can see from above exchange, Citibank and its representatives have been impossible to deal with and have been deceptively promising to call me back with no intention of doing so. Since the Official Check has initiated from my own account and is payable to myself, there is absolutely no reason for Citibank to refuse to help me and treat me in the condescending manner.

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 2017-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: NH

Complaint narrative:
Commonwealth Financial Systems,  Incorporated  XXXX    XXXX   XXXX    XXXX  NH  XXXX  Collection/charge off {$830.00} Paid by  insurance  & payment was verified through original company-  XXXX   XXXX   XXXX .  XXXX  sent proof of payment to Commonwealth to remove, but they have n't.      XXXX  insurance covered bill.     Hospital visit 6 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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:
There is a hard inquiry on my Equifax credit report which was a result of a fraudulent inquiry and eventually a fraudulent account through  XXXX   XXXX   XXXX   ( AKA    XXXX   XXXX   ) .In huge part to the help from this very website  XXXX   XXXX   XXXX    XXXX   XXXX    deemed the account fraudulent and obviously the inquiry that resulted in that account to be  opened.Equifax, a fter many, many, many calls, faxes, letters etc removed the collection account but left the hard inquiry.How can this people be allowed to call themselves a Credit  Reporting Company when  they ALWAYS AND CONSISTENTLY commit such mistakes and still stick by them like they did their job??? are you kidding me? if you remove a fraudulent account does n't common sense dictate that the inquiry which resulted in that account to be open would be removed too??? Anyhow I guess common sense is not a requirement to work at Equifax so I contacted  XXXX   XXXX    XXXX   to request that they request for the inquiry to be removed, and they replied that they did and STILL EQUIFAX HAS NOT REMOVED IT!!!!!! I am going to include proof of all of this by attaching the documents supporti ng E V E R Y T H I N G I j ust stated!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
A charge appeared on my Statement ending  X/X/17    for {$65.00} dated  X/XX/17    from  XXXX . I did not make this charge.  XXXX  is not my cellular carrier and I have had the same mobile carrier (  XXXX   XXXX   XXXX  ) for 2 years. I did not buy anything or use any service from  XXXX .     I filed a dispute for the charge upon receiving my statement, which  Capital One a cknowledged. They removed the charge from my bill, and then  two  months later added it back. Capital One did not supply evidence of the validity of the charge nor did they even bother to ask  XXXX  to verify or substantiate the charge. They simply added it back to my statement. I should note that this is the 3rd time in 5 years tha t Capital One  has violated the FCRA in failing to research a disputed/fraudulent charge on my card.     I have continued to pay my bill in full minus {$65.00}, however now  Capital One i s charging me interest on the unpaid portion which derives from the {$65.00} charge they added back.     I wrote  Capital One  a letter again reiterating that I did not make this charge and if they insist it is mine, simply provide proof from  XXXX . They acknowledged my letter but 2 months have passed and no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
When  XXXX   XXXX  let navient take over the loans..  XXXX  was navient and the other was navient/ dept of education..  XXXX  different loans both has the same account number. I send the payment to both at the same time every month. I pulled up my loan payment on both and see where one is paid on the day it should have but the other is held until a day later and the late fee is applied. This has happened multiple times and when I call it is difficult to explain which account I am calling about because they both have the same account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
This collection is being reported by  Fair Collections and Outsourcings on my wife and I 's credit report. This began as a fraudulent charged from its outset. My wife and I were ch arged by an apartment complex  (   XXXX   XXXX ,  XXXX , TX  )  {$170.00} for " cleaning and resurfacing '' after we left in late  XXXX   XXXX . When we left, the apartment as clean as it could be without actually hiring a cleaning service. The only cleaning that was n't done was dusting the top of the refrigerator because my wife could not reach that portion, and I was at work. We asked the apartment complex ( run by  XXXX   XXXX   ) t o provide proof as to why we owed this amount and they never did so. We also notified the complex that one of the countertops was not maintained properly before we moved in. We put in multiple maintenance requests that were never completed. After no proof was provided by the apartment complex, we refused to pay. After only one month of owing the reported balance, the apartment complex sent the amount to collections, held by  FCO , on  XXXX   XXXX ,  XXXX . After a few years of reporting to our credit, we decided to dispute the debt. FCO sent back a picture of the original bill stating the debt was verified but no actual proof as to why we owed that amount. We ended up settling the debt in  XXXX   XXXX , with the impression that the debt would just be cleared but it was n't, and we 'd like them to be removed from our credit report.

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 2017-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vengroff Williams, Inc
State: OH

Complaint narrative:
XXXX   XXXX  failed to record a tool rental return. They have now billed me an amount, far in excess of the tool in question, and handed that debt to a collection agency without contacting me and despite my repeated calls and emails to  XXXX   XXXX .   I am now being harassed in writing by  Vengroff Williams Inc .     I should be removed from this list and not contacted again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: FL

Complaint narrative:
I 'd like to join  Navient Lawsuit .  XXXX   XXXX  and Navient are crooks ... I believe the amount of loan is incorrect. I have several correspondences that they ignored. They said I could n't get a deference, then said they gave it and threatened to garnish any wages. The school ignored my  XXXX   XXXX  etc. I was onky there a semester and a half. I also did n't understand the loan as much because they,  XXXX    XXXX    XXXX  gave me a  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I tried to get my credit report directly from Experian website and was given this mesaage : " We were unable to honor your request. If you entered your credit card information, we did not charge you. '' I called and had my report sent to me.     Once I received the report, I tried to dispute inaccurate information and again received the same message. I called customer service and was given another number but was still unable to dispute it with that number so I called back and disputed it over the phone and had it removed.     A month later when trying to order another paid report for a job, I got the same error message of, " We were unable to honor your request. If you entered your credit card information, we did not charge you. '' The strange thing is, I can log in to experian.com/now and access the free report that 's updated once a month but am unable to request an updated report when changes are made unless I request it by phone.     At what point will I be able to access my own information to avoid this in the future?

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 2017-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I had a  XXXX  debt which I paid to  XXXX   XXXX   XXXX . I received a letter from them with a settlement offer of {$90.00} for the bill to be considered paid in full. I paid that exact amount o n  XX/XX/XXXX .   On  XX/XX/XXXX , I r eceived a call from   XXXX   XXXX   asking me to settle the debt. I informed the guy that it was paid on   XX/XX/XXXX . H e asked me to send the payment info t o  XXXX ,   which I did that evening. On   XX/XX/XXXX  I  resent the original email since I had n't heard anything. Still no response. On   XX/XX/XXXX ,  I sent another email stating the debt was paid and I expected that they would remove the item from my credit report. Still no response. I checked my cred report and the outstanding debt had been reduced from {$510.00} to {$360.00}. So I c alled Convergent  on   XX/XX/XXXX   to find out why this derogatory item is still on my credit report and was told that they received response back from  XXXX  confirming the outstanding debt. I then decided to call  XXXX   XXXX  to see if they reported to  XXXX  when I made the payment. The rep confirmed that my account was paid. I called  XXXX  and had to file a report so they could investigate. The reference #  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 2017-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have attempted to verify requirements of the offer, but representatives were unavailable or required hour or more waits. I was to receive a {$300.00} offer after {$4000.00} dollars were directly deposited to my account.As such, I was purported to receive the bonus 60 days after the {$4000.00} requirement as  met : -  XXXX   XXXX   XXXX    XXXX  ,  XXXX  was directly deposited to the account, via  XXXX  payroll  XXXX   XXXX   XXXX    XXXX  ,  XXXX , was directly deposited via an income tax refund -On  XXXX   XXXX    XXXX  ,  XXXX , was directly deposited via an income tax refund, and, finally, -On  XXXX   XXXX    XXXX  ,  XXXX , was directly deposited to the account via  XXXX  payroll ; As such, Bank of America h as offered an unfulfilled offer. The payroll was reoccurring, and the tax is, too.

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 2017-05-15 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: TX

Complaint narrative:
Experian was contacted by myself as well as my credit union in reference to a late payment reported in  XXXX    XXXX   on my credit report. My car loan is reported as 30 days past due. Upon discovery of my  XXXX   XXXX  dropping nearly  XXXX  points, I filed a dispute. My credit union made it very clear that I 've never been late. The creditor has even provided written documentation and requested the error be removed. I was supposed to refinance my car loan in  XXXX , and I ca n't because my score is adversely impacted by this erroneous late payment reporting.every month I 'm paying a higher APR than I have to because Experian refuses to correct the error. They 've claimed to have investigated this, but this can not be true. On  XXXX   XXXX   XXXX  .. The c reditor sent another letter asking Experian to delete the erroneously reported late payment. They still have n't to date. They also have n't corrected my previous Oklahoma student loan to report as closed due to refinance.

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 2017-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
How many days in billing cycle ending  X/XX/2017    Accrued interest on statement {$55.00} how much of my {$420.00} payment goes to interest and how much toward principal.   I did not request a call from your President 's office and find it intimidating you should have them contact me. Please do n't do it again. I do not want or need to talk to them.   Do I owe any late fees or any other charges How is interest calculated?   Why are the number billing days not stated on monthly bill..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
I recently dealt with  XXXX   XXXX  removing information from all  XXXX  credit agencies which they followed however the sold my contrac t to Deville  asset management who are not bonded in the state of texas to collect debt so i ask that this be removed from all  XXXX  credit agencies as well or uf bonded and just not updated on the state of texas sec please send me copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: U.S. BANCORP
State: IN

Complaint narrative:
MY  U.S.BANK FLEX P ERKS MASTER CARD IS NOT REPORTING ON  XXXX . THE BANK IS PERMITTING  XXXX  TO BLOCK ME IN VIOLATION OF THE DODD-FRANK ACT.     THE BANK HAS 15 DAYS TO RE-INSERT ALL ACCOUNT BACK INTO   XXXX    DATABASE OR BE SUED IN CLASS ACTION EFFORTS.      SHOLD U.S. BANK FAILES MU ST CEASE AND DESIST ALL CREDIT REPORTING.     DISCHARGE ALL DEBT BY  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 non-monetary relief
Consumer complaint received 2017-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Im going some difficult financial times and I have requested tha t Wels Fargo h elp me with a short sale on the property. I have a realtor and an offer on my home. A cash offer!! I sent in my short sale package at the beginning of the month so that they have enough time so look over the info. I need them to respond so that the sale date will be postponed so that we have enough time to do the short sale.

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 2017-05-15 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: NC

Complaint narrative:
I had an account with  XXXX   XXXX   XXXX  that became 30 days delinquent in  XXXX   XXXX . The account was never brought current, and reported negatively on my credit report until the account was paid in full  XXXX   XXXX . According to the FCR A 623 ( a ) ( 5 ), t his account should be removed from my credit report. It has been re-aged by the Experian to reflect a different date of default. The account has been aged more than seven years from the original date of delinquency and should be removed from my credit report. I have supplied a copy of my credit report from Experian and  XXXX   XXXX   XXXX  showing the original status of the loan, showing the original default date. I have disputed the information with Experian, whom has supplied an updated credit report still showing the account with the illegally re-aged account. The credit report also fails to show the date of first delinquenc y (   XXXX   XXXX  ) and the date of first major delinquency report ed (   XXXX   XXXX  ) as required by the FCRA. I have attached a copy of the letter showing the account paid in full from  XXXX   XXXX   XXXX , as well as, credit reports from Experian and  XXXX  from  XXXX . This account should be removed from my credit report as it has reported negative information for 9 years.

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 2017-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Numerous letters sent to Equifax regarding unauthorized inquires reporting on Credit report. Letters sent starting  XXXX   XXXX  with last letter being sent  XXXX   XXXX , also Fraud alert has been placed on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have had a  XXXX   Mileage Plus  credit card through Chase for 22 years. I am a model customer and I always pay my bills on time. I owe nothing other than the monthly charge each month.     The annual fee  XXXX  {$60.00} per year for 22 years,.     I was just notified by  Chase th at my annual fee will be increased to {$95.00} per year. That is an increase of more than 30 %. This is outrageous and should not be allowed.     The flimsy excuse they gave for doing this is to " standardize terms for cardmembers who have the same account. '' This is nonsense.     Please do not allow them to gouge good customers like me.     I am eager to hear what you have to say.     Best regards,  XXXX   XXXX

Company response to consumer: Closed with explanation