vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have contacted XXXX XXXX  XXXX XXXX about an issue with a XXXX they sent me which stated they had paid out {$200.00} to account that I had once I brought this to their attention they stated that now they are not going to pay this out and give me a XXXX with a XXXX balance I spoke with the XXXX XXXX and they took over a month to give me this resolution and I still have not actually received anything but they had already printed a XXXX with the bank seems very fraudulent

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 2019-02-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, my husband and I sent investigation requests to the credit bureaus. They were supposed to respond within 30 days, but they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
At this time we, XXXX and XXXX XXXX are looking at filing a Chapter XXXX bankruptcy petition. We are receiving too many calls at our home and on our cell phones from the collection departments of the credit card divisions of many banks, and we need all communications to cease immediately. We have retained a law firm to handle our affairs, and we want all future credit card statements to be forwarded to the following entity : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Washington, DC XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, my husband and I sent investigation requests to the credit bureaus. They were supposed to respond within 30 days, but they have not.

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 2019-02-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, my husband and I sent investigation requests to the credit bureaus. They were supposed to respond within 30 days, but they have not.

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 2019-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
On XX/XX/2018 Citizens Bank cashed a fraudulent check in the amount of {$4200.00}.

To date they have refused to reimburse me my money, even though it was clearly their error in cashing a clearly fraudulent check.

You sent me an e-mail stating the case was closed because company responded.

Citizens Bank has not responded and I do not have my money back.

This has gone on long enough.

Please investigate further. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On or about XX/XX/XXXX I received a copy of my XXXX XXXX credit report. I immediately noticed an account CitiBank/XX/XX/XXXX. This is not my account. I filed a dispute online with XXXX XXXX. They replied and told me the company said the account was mine. I then wrote XXXX XXXX a letter dated XX/XX/XXXX. I pointed out the account was opened on XX/XX/XXXX. I was starting my freshman year in college in XXXX, Tennessee on that date. I did not have a credit card at that time. I also pointed out the account is being paid each month and I was not paying it. I suggested they look to determine where the monthly statement was being mailed, where the monthly payment was coming from and that in turn would tell them who the account belonged to. It is not me. I received a written response on XX/XX/XXXX stating an investigation was done and concluded the account was mine. I then called the XXXX number for XXXX XXXX twice. Both times I talked to an individual who had difficulty with the English language. After walking them through the issue their only solution was to again file a dispute on line with them which I did.

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 2019-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
We bought a RV in XX/XX/XXXX and financed it through Alliant Credit Union The amount borrowed was {$44000.00}. 
My husband became very ill with XXXX and we had trouble making the payments on the RV They served us with papers demanding the full amount of the balance I had to get an attorney to help me while my husband was very ill and after he died. 
After my husband died, I sold the RV and wired Alliant Credit {$29000.00} toward the balance owed. 
They calculated a balance due of {$25000.00} owing through my attorney even though the actual balance owed was {$14000.00} plus their attorney fees. 
I also had to pay my attorney as well. 
They demanded that I pay {$450.00} per month until the balance was paid off. 
I paid the best I could on the balance as I am a widow who lost her husband 's income Alliant 's attorney obtained a Stipulated Judgement against me for the balance due and I could not afford to pay the {$450.00}. I made an agreement to pay {$150.00} per month until the balance is paid which I am paying. The balance is about {$3800.00} now They are reporting the account to the credit bureau as a balance sheet charge off which it is not as they are still receiving payments on the account/ They are reporting the account as being closed which it is not as it is still an open account. This is also damaging to my credit report. 
They are reporting the monthly amount being paid as {$450.00} which is not. This is damaging to my credit report as it increases my monthly obligations. 
Their inaccurate reporting to the credit bureau is hurting my credit when I am trying to reestablish my credit They opened the account in XX/XX/XXXX and then in order to damage my credit they reported the last payment of {$1700.00} was received in XX/XX/XXXX so they can keep reporting my account. 
I feel they have purposely submitted information to the credit bureau to damage my credit standing. 
If they have a stipulated judgement against me and I don't pay it, they can get a judgment against me. They don't need to keep reporting erroneous facts to the credit bureau. They are using the XX/XX/XXXX date in order to purposely keep reporting my account to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
This company claims to be a capital one credit card. They say my original debt was {$850.00} but it's gotten up to over {$3000.00} in fees. I told them to send me any information via regular mail. If it's the same company, they have been calling my parents. I told them that if I do owe the debt, I need to see it in writing otherwise I believe they are a scam. If it's the same company, they are calling my parents a lot. They said they are going through XXXX County courts but I called the courts and they do not back up what this company is claiming. I am fine in my county.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
We first off had told the company that they sold us a broken car and they weren't willing to fix it. We couldn't afford the payments any longer so when they came to pick up the care they threatened to Garnish my husbands wages. After they picked up the car I never heard anything else from them. I never got another call, nor received anything in the mail about what we still owed. I contacted them to ask about this and was advised of what was owed, I asked them to send me something in writing and never received anything. All of a sudden I get served a civil summons for the debt owed and on the paperwork it says I refused to pay anything and they attempted to settle the debt with me and so forth and none of that ever happened. I only knew about the debt from when I went to try and apply for a new loan and was told I had a repo and owed a balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: AZ

Complaint narrative:
The following XXXX XXXX XXXX credit card account is fraudulent, unauthorized, not mine and I never applied for this account : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My mortgage was acquired by Wells Fargo about two years ago. I do not escrow taxes nor insurance. Ever since Wells took over my mortgage, they have harassed me incessantly about homeowners insurance coverage. Wells makes up dates of insurance lapse, which are simply inaccurate. This harassment occurred throughout XXXX, XXXX, and now continues into XXXX. 

Wells charges me for an insurance policy they procure ; twice now I have paid their insurance add on premium, the most recent being XX/XX/XXXX. 

To be sure, my insurance agent has faxed to Wells, on at least 20 occasions, proof of coverage, and no lapse. I receive letters from Wells stating that my insurance is found to be intact with no lapse, yet Wells continues their pattern of harassment and fraud. 

I myself have faxed Wells several times over the last two years proof of uninterrupted insurance coverage, have been on several hours of phone calls, some admitting no lapse, yet the harassment and fraud continues. 

On XX/XX/XXXX I went to my Wells branch. The private banker called mortgage services and insurance dept to help me straighten it all out once and for all. He advised me that all was intact with my insurance and to make my mortgage payment without their insurance premium add on. However, that day when I made my mortgage payment, I was not allowed to exclude the added insurance premium, and so I paid the entire amount to keep my mortgage payment current. 

In my history of doing this with Wells, it takes two to three months to get back a refund of their fraudulently collected insurance add ons. 

I will no longer sit silently as Wells defrauds customers, such as me, falsely claiming insurance lapses, despite the fact that they receive proof of uninterrupted coverage in tens and tens of occasions. 

This is clear harassment and fraud. I want it to end and there should be consequences for Wells Fargo insidious practices.

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 2019-02-26 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: CA

Complaint narrative:
I have disputed this account, filed a police report, and also submitted a FTC complaint. 
Upon reviewing my credit report in XX/XX/XXXX I noticed six separate fraudulent accounts ranging from credits cards to loans. I have been successful in removing some items but I continue to see an item show even after my repair attempts. Account in question : XXXX XXXX XXXX XXXX Account # : XXXX, opened on XX/XX/XXXX, with a credit limit of {$15000.00}. The account showed closed XX/XX/XXXX with a high balance of {$15000.00}. I have not nor have I ever gave anyone permission to use my information to open any lines off credit, credit cards, or open any loans. 
I also seen 3 inquiries that I have not authorized on my XXXX report. 
1. XXXX XXXX XXXX date : XX/XX/XXXX 2. XXXX XXXX XXXX date : XX/XX/XXXX 3. XXXX XXXX date : XX/XX/XXXX I have not applied for credit with any of these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have never received any notice until all of a sudden my credit monitoring company notified me of an account reported in collections. I filed a dispute with Transunion on XX/XX/XXXX and on XX/XX/XXXX Transunion notified me that the creditor had already replied that the debt was valid. It is not valid for several reasons, for one the debt is purportedly close to 10 years old ; secondly, I was a victim of identity theft with payday loans during the years XXXX, and thirdly, the original amount in dispute was {$300.00} and.now {$2300.00} is purportedly owed. XXXX XXXX XXXX is the new creditor trying to collect an old debt and is in violation of various Federal laws governing debt collection and debt collection practices.

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 2019-02-26 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: CA

Complaint narrative:
Navient is calling mulultiple times.a day. When I speak with them they rush me off the phone or force me into forbearance. Loans have Tripled since I took them out and the interest is crippling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Perfection Collection
State: UT

Complaint narrative:
Perfection Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX   This group cost me time and money in XX/XX/XXXX and now I know why! They reported to credit without complying with the law by giving me notice to dispute a debt. 

I received a letter today that this account is reported to my credit. I do not owe this account and did not have a chance to dispute the validity. The letter received today is the first ever communication I have received. 

Creditors should stay away from using this collection company. Perfection Collection will get you sued!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
At this time we, XXXX and XXXX XXXX are looking at filing a Chapter XXXX bankruptcy petition. We are receiving too many calls at our home and on our cell phones from the collection departments of the credit card divisions of many banks, and we need all communications to cease immediately. We have retained a law firm to handle our affairs, and we want all future credit card statements to be forwarded to the following entity : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Washington, DC 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 2019-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I got a letter in the mail ( see attached ) saying my mortgage payments were going up but the letter didn't offer any clear reason why. The numbers they presented actually indicate that I would have overpaid, e.g. the " what we estimated to pay out '' amount is actually lower than " what we paid out. '' There are asterisks in Part 2 that don't match the description of what it should indicate - e.g. it says it indicates a discrepancy between an estimated amount and an actual amount but no such discrepancy exists. Additionally, there are numbers for county tax and property tax payments that don't match their estimates - either the estimate is XXXX or the payment is XXXX. This results in a statement printout that doesn't even attempt to explain why I'm expected to start paying more money. 

After a quick review of customer feedback online it's clear that Freedom Mortgage is very, very unpopular with its customers. I am truly worried that the company is trying to skim money from me, especially considering they designed, printed, and released a statement that doesn't offer proper justification and appears to be intentionally confusing. I tried to call their customer service number and after trying to navigate a phone system that is not user-friendly and provides endless menus with no ability to navigate, I tried pressing " XXXX '' and was told I would by on hold for 56 minutes to speak to a representative. The combination of a very poorly designed statement asking me to pay extra without proper justification, terrible user reviews, and a phone system that appears intentionally designed to frustrate and deter customers leads me to suspect that something is amiss at Freedom Mortgage and I'd like you to investigate. 

Mortgage loan buyers are unique in my experience that I have to interact with them despite having no freedom of choice or transparency in the process by which Freedom Mortgage acquired my loan. A review of customer experiences online indicates that a terrible customer experience is the norm and no reasonable person would choose to do business with Freedom Mortgage intentionally. But because they bought my loan and there was nothing I could do to stop that, I am forced into doing business with a deceptive company. I've had good experiences with CFPB in the past in getting student loan payments counted when XXXX was fraudulently trying to deter me from doing so. I thank you for that and would greatly appreciate the same thoroughness in dealing with Freedom Mortgage.

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 2019-02-26 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: CITIBANK, N.A.
State: UT

Complaint narrative:
I received a call, text and an email on XX/XX/2019 from Citibank regarding transactions made using my credit card. I spoke with a representative and she told me that I had transactions all over the world using my credit card. I requested to the representative to tell me the amounts and dates of the purchases, she told me one by one and I didn't recognize purchases done overseas. She said that all transactions were going to be cancelled and I won't need to be worried about anything. A few days later I found that a couple of the fraudulent charges were actually processed and paid for more than {$28000.00} so I called Citibank again. Citibank representative told me that the amount was going to be investigated. Among the steps that Citibank processes in this situation is to contact the merchant for proof of the purchase. They said in a few days I will receive a call from the investigator but it never happened. 
I called back to Citibank a week later and I spoke with a fraud supervisor and she told me that the fraud amount was still under investigation and it could take a while for the investigation to be completed. This amount in dispute is on my bill with a {$13000.00} amount due as a minimum payment. My credit score has dropped 150 points. I requested the fraud amount in dispute on my account with Citibank be given a temporary credit while under investigation which they said would be done in a few hours. This never happened. A week later called again and they told me that they had no record about the conversation that I had with the fraud supervisor. 

I made two questions to the Citibank representatives which they couldn't answer : Why are we dealing with this huge amount which is covered by fraud protection : why were they able to remove or credit the account with the other amounts in dispute and not this large one? 
How did a charge that was more than {$10000.00} MORE than my credit limit gets processed, approved, and paid?

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