vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I purchased a XXXX and XXXX from XXXX XXXX XXXX XXXX on XXXX XXXX and was told they would honor a pricematch and charge it to my BB credit card. The XXXX XXXX XXXX Bundle was being sold on XXXX for XXXX and when I received my bill I realized they charged me XXXX. This larger amount has caused a financial burden for my family as we had not planned to spean the extra {$150.00}. When I contacted the store they advised I wouldn't be able to return the system because I had already claimed the game that came with the system not knowing they ripped me off. It was a very shady process as I didn't even get to see the price and did not notice it until I received my first bill and was itemizing my monthly expenses. I would like the company to allow me to return the system for a full refund or honor the pricematch. I have consulted with an attorney at this time who advised filing a CFPB before retaining his services.

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 2019-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: MA

Complaint narrative:
On XX/XX/18, a transaction in the amount of {$5200.00} was charged by a company we hired to install a whole house generator. The company took the money and did not do any of the work. We disputed the charge with our credit card company who immediately refunded our money while they investigate. They asked for a statement which I provided. They denied our dispute, stating we " received the services represented by the transaction '', which is entirely false. We appealed their decision, only to be told that we did not provide proof of our claim. They are asking us to prove a negative. We have to prove that we DID NOT receive the " services represented by the transaction ''. We asked them for their proof on how they reached that decision, and we were ignored. Any help would be greatly appreciated.

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 2019-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: ID

Complaint narrative:
I took out student loans in year XX/XX/XXXX to enroll in XXXX XXXX of XXXX XXXX Washington. I was XXXX years old and was  promised an education that would ensure financial security in order to repay the loans. I was promised opportunities to meet with people in the field for which I was studying to get in to and job fairs to meet with potential employers. No employers showed up to any job fairs even though we students did. It wasn't until I went to continue my education elsewhere that I learned they weren't acredited and I would have to start over even though I was several 10 's of thousands in debt. I've never had employment in my field of study. XXXX XXXX has since been shut down for preditory behavior regarding student loans and falsifying information to coerse naive students into obtaining loans for their for-profit schools. I have reached out to my student loan servicer for information regarding recent litigation on my loan. I've made attempts at repayment to one servicer only to be contacted by another claiming they held my loan. I don't even know who holds my loan currently or if I qualify for any of the loan forgiveness ordered by recent litigation. I've contacted FedLoan who has sent me the most recent statement asking for information, only to be told to contact the department if education ( which their paperwork claims to be apart of ) and was given a disconnected number. I do not feel that I should be held responsible for repayment of a loan to a school that was found to be a fraud as they already took 2 years of my life in hard work to pass their meaningless classes to get degrees nobody will recognize. Im attaching a photo of a statement from FedLoan that states the loan was dispersed XX/XX/XXXX which is 18 years after the initial loan. Im also attaching documentation of my attendence to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My mortgage loan was transferred to Chase effective XX/XX/2019. In XX/XX/2019 Chase, without notifying me, increased my payment. This increase was in violation of the original terms of the loan. The loan was established with a fixed rate, 30 year term, with no escrow for taxes or insurance. I pay the taxes semi-annually and the insurance is paid annually in XXXX, both are paid and are up-to-date. 

When I called Chase to try to resolve the problem I was kept on hold for over 40 minutes as a " Supervisor '' researched the issue. Clearly Chase, despite having cost American taxpayers trillions of dollars in a bail out that was necessary because of their greed continue to operate like a criminal enterprise. They illegally increase costs to customers and when confronted delay responding to any complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: FL

Complaint narrative:
Last month XX/XX/XXXX. I went to InstaLoan to make a payment, and while making my payment they told me that I would have to pay for my title at motor vehicle at the end of the loan. Which is over {$100.00}. I asked them why didn't you tell me this before I sign papers for a {$700.00} loan, also the interest rate is in between 79 % to 105 %. I've been paying this loan since XX/XX/2018. I paid somewhere of {$1400.00} and now I still owe 400 +. and I went to make a payment today they changed their whole program now, instead of signing three or four different papers every month, now there doing something different on the computer, and now they're asking me for all this information they asked me when I applied for this loan. like how much money do I get from Social Security XXXX. I told them I am not going to tell you, I told you this in XX/XX/XXXX of last year when applying for this loan. and they got all upset and so did I and they threatened to call the police on me they wouldn't accept my payment. It seems to me I'm not allowed to ask any questions and that's all I did was wanted some answers! can you do anything about this I feel that they're taking advantage of poor people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: DISCOVER BANK
State: MI

Complaint narrative:
I'm writing on behalf of my mother. 
I wanted to transfer my IRA account from XXXX XXXX XXXX  to Discover Bank. 
I filled out the necessary forms that Discover required including REQUEST FOR TRANSFER OR CONVERSION FOR TRADITIONAL, ROTH OR SIMPLE IRA. 
On the form it asks for the address of XXXX XXXX XXXX and my SSN. 
I filled it out with the PO BOX address listed on my XXXX XXXX statement and my full SSN. 
Mailed the forms roughly around XX/XX/XXXX. Days later I received a call saying they can't process it because it has a PO BOX instead of a physical address. 
I filled out a second form with the physical address and mailed it on XX/XX/XXXX. 

On XX/XX/XXXX, after noticing that the account still hadn't been funded on XX/XX/XXXX I wrote to them asking if any more forms from me were needed. They said no, everything was good and they were just waiting for the check from XXXX XXXX. 

Mid XXXXt rolls around and I went to XXXX XXXX to find out why they never send the check. Well, it was because Discover Bank never sent the request to XXXX XXXX, they thought we were going to hand deliver the request to XXXX XXXX. After many more conversations with them, they said that didn't send the original request because it didn't have a truncated SSN. They never told me that before and NOWHERE on the form or on the instructions does it ask for one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-04 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: WA

Complaint narrative:
I have placed a security freeze on my credit with Equifax. I need to temporary remove it, but I'm unable to. I have created a " myEquifax '' account which should allow me to do it through their web portal, but although I have the correct user name and password, the website does not let me log on ( " Please give us a call We can't complete your request at this time. Please call the Customer Care team XXXX '' ) and points me to the Equifax phone number for support. 

I tried calling their number to both get support with the their website or at lest lift the freeze from my account. In both cases I was required to provide a lot of information and answer many questions, but I was not able to achieve either goal even after an hour on the phone. At some point I reached a representative who put me on hold and then disconnected the call. 

I had no issue removing my credit freezes from the other two agencies, within a minute or two.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
In the past, I have had numerous installment loans with Tower Loan, a local finance company. All of the loans have been paid off. However, they are showing a couple of late payments on my credit reports. I am on a fixed income and I always paid them on the first or close to the first of the month, each month. I have spoken to the Manager and he stated that there is nothing that he can do. However, they are always calling my phone, trying to get me to sign for another loan with them. I have all of my receipts, proving that I was not late paying theses installment loans. The two loans that are appearing on my credit reports are : 1. Acct # : XXXX Open : XX/XX/XXXX Amt. : {$1600.00} 2. Acct # : XXXX Open : XX/XX/XXXX Amt. : {$1300.00}

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 2019-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
i have been disputing a XXXX  bad debt added to ann account I paid off with foster & garbus since XX/XX/2019. 

They refuse to speak to me or email me yet are garnishing my paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Account Number XXXX Fed Student Loan Account 150,000+ XX/XX/2019 and XX/XX/2019 show as 90 days and 120 days delinquent, respectively. I was not delinquent because I was working with them to get a new Income Driven Repayment plan, at their instruction. I spoke with a representative on XX/XX/2019 at approximately XXXX who said that she understood that there had been a mix up and that they would make sure that everything was cleared on my account and that I would be able to continue working towards a resolution for my Income Driven Repayment options. I was unaware of the incorrect reporting of 90 and 120 days until I checked my credit after I was told that XXXX had a breach and my information/SSN was a part of that breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I opened an account with Wells Fargo that had a bonus code for {$300.00} if I met certain requirements. I had to make 5 deposits within 60 days to get the {$300.00} bonus. I made the transactions plus some, but Wells Fargo is refusing to give me the {$300.00} bonus. I checked to make sure with the banker my transactions would count prior to opening the account and they told me they would. Wells Fargo made an agreement with me they aren't honoring.

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 2019-09-04 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
there has been account in my credit bureau for more than 7 years and the credit bureau dont deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
i have been disputing a XXXX bad debt added to ann account I paid off with XXXX XXXX XXXX since XX/XX/2019. 

They refuse to speak to me or email me yet are garnishing my paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Interstate Recovery Service, Inc.
State: MN

Complaint narrative:
XXXX XXXX, claiming to be based out of Missouri, had been withdrawing many from my bank account without ever sending the product. I attempted to call them multiple times, but they did not return my call nor send the product. I also tried communication with them via email. I had to block them from withdrawing funds from my bank account -- never once did I receive the actual product of the promised magazines that were supposed to come monthly. XXXX I received notice from a debt collection agency that I owed XXXX cents. I called the Interstate Recovery Service that evening and informed them that I never received the product so did not see that I owed anything on a product that was never received, informing them that I even turned the company into the Federal Government. The agent on the phone became demanding, belligerent, rude, making a statement " You better pay now or I am going refer to the refusal department who will take you to court! '' The guy kept demanding paying information of my debit card number or current banking info. Not being able to reason, and his belligerence rising with forcefully bully tone and manner, I hung the phone up. He immediately called back, my wife answered, and he rudely said " I WANT THAT GUY BACK! HE HUNG UP ON A DEBT COLLECTOR! IS HE HIDING BEHIND YOU OR DID HE USE YOUR PHONE?! '' My wife calmly, and kindly asked : " Can I help you? '' He persisted " I WANT TO TALK TO THAT GUY! '' Unable to name whom he was calling for or what he needed, my wife hang up on him and blocked his number reporting he was belligerent and did not seem sane. Today, XXXX I received a letter in the mail again from the Interstate Recovery Service, a little kinder tone, reporting if the debt was paid now it could be reduced to XXXX. Again, since the product, that was supposed to be mailed monthly, was never received, and they already took monthly payments from XXXX to XXXX from my account without ever receiving the product, I do not feel there is a debt owed. The Interstate Recovery Service is rudely demanding I pay a debt that I the company failed to deliver the product on while they already collected 4 months of payment on it.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hi- I had XXXX XXXX XXXX cards my limits on Both cards were XXXX. On TransUnion it's reporting over XXXX. Which is wrong. I did write the Credit bureau about this error. Please help me with this. I can be reached at XXXX XXXX XXXX after XXXX XXXX Eastern Time. Thankyou so much. 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 2019-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
BMO Harris is using unfair if not illegal practices concerning depositing of cash funds and and backdating checks to create overdrafts. 
On XX/XX/2019 I went to my account online to find it was overdrawn $ XXXX.xx at XXXX XXXX. At that very moment I transferred {$700.00} from a savings account into that checking account. 
Looking at the account the next day ( XX/XX/XXXX ) showed a XXXX OD fee ( yes, I agree ) PLUS 2 more checks posted against the account on XX/XX/XXXX creating 2 more OD fees of {$72.00}! 
Clearly the two additional checks ( XXXX, XXXX ) were received by the bank on XX/XX/XXXX and then backdated to the XXXX. They WERE NOT in the account as of XX/XX/XXXX. I saw that figure online. 
Furthermore, the bank inexplicably puts my cash transfer deposit on a " PENDING ''  status from the XXXX to the end of day on the XXXX! This itself is also wrong. 
The bank is manipulating all transactions to skew them against the customer and this should be illegal. 
I called them two times, once on the XXXX and again today. A customer service supervisor named XXXX at their XXXX XXXX center offered to refund 1 OD fee and not both of them. When confronted with details of their shenanigans she becomes very evasive and towed the company line of " we feel a customer needs to have full funds in the account as soon as they write a check. '' This is absurd, Full funds must be in the account when a check is presented to the bank for cashing. 
Another fishy bit about this is customer service on the XXXX confirmed the time of deposit was XXXX XXXX and that agrees with my memory. I knew it was past XXXX XXXX, BMO 's cutoff time for entries that day. 
Today, XXXX tried to tell me the transaction time was XXXX XXXX on the XXXX! Which actually supports my case. When questioned about thisd ridiculous statement she huffs and says she has " no time to go into minute by minute details ''. I point out that we are not talking about minutes here but DAYS!! And that is not important to her when it comes to being caught in a deception. 
In a nutshell, BMO has a strategic plan to defraud customers of fees by purposely manipulating dates a check debits ( posts ) and then holds deposits as " PENDING '' with no valid explanation, so on paper, it appears everything is smooth and legit. The blue " PENDING '' banner disappears when they finally credit the account, never to be seen again by an outside auditor or online in my account. 
Nail these thieving XXXX will you?

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 2019-09-04 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: CT

Complaint narrative:
One credit score is XXXX, the other XXXX. How could there be that wide a gap between same company?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I closed a small business and cancelled my credit card processing service with Elavon in XXXX, 2019. In XXXX, XXXX, XXXX and XXXX, 2019, a merchant service fee was withdrawn from my business bank account, and I had to send numerous emails and make many phone calls to receive refunds for XXXX, XXXX and XXXX. I was told that my account was not " properly '' closed by Elavon until XXXX. In XXXX, after I was charged yet another merchant service fee, I once again asked for a refund, and I was advised by XXXX XXXX, an account manager, that the refund was issued and deposited into my bank account on XX/XX/XXXX. Despite numerous communications with Mr. XXXX, including providing him with proof from my bank that the funds are not in my account, he has continued to insist they were deposited and that there is nothing more that Elavon can do. He told me to go to my bank and have the bank investigate ; I asked him for documentation showing the transfer had been made, and he told me there is none. I still don't have my refund.

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 2019-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: MD

Complaint narrative:
Afini credit collection company fasley reported and fraudulent account on my credit reports and when i reached out to the company they provided me with false information and I repeatedly told the Representative that this debt wasn't mine, XXXX ID number is XXXX he informed that this was my debt.. I asked XXXX were there any mail sent to me inreference to this debt and he informed me no so how do you place something on someone's credit without giving them the opportunity to defend the debt or their case and he stated they didn't have to notify me and than I asked to be transferred to a manager and he sent me to a coworker voicemail so I hung up and tried calling him back but of course I got another representative.

Company response to consumer: Closed with explanation