vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I called a couple of years ago to close the credit card account because I had not used it for quite some time. Citibank failed to close the account and continued to charge me annual fee. They were going directly to my bank to withdraw the annual fee, {$25.00} at a time, without my direct authorization. I had not noticed the charges to my bank account in previous years after calling to have the credit card closed. This past year while undergoing a statement review ( because I changed my primary bank ) I noticed the charges in my XXXX XXXX bank account. I looked at copies of the {$25.00} checks from me to Citibank that did not have my signature. I reported it to XXXX XXXX as fraud and asked them to close that account. Then I called Citibank only to find out this was the account I had called to close a couple of years ago. They said they had no record of the cancellation. I told them they needed to cancel it immediately. They claim they have, but that I still needed to pay the {$98.00} fee because I called to late to canceled the account ( the annual fee posted in XXXX and it was now XXXX ). This is the most ridiculous thing I have ever heard! I asked for copies of the charges I have made in the last 36 months so they can show evidence of account activity. The people I was allowed to speak to did not have the means to produce that information, nor will they because the account has not been used - hence the reason for closing it. They simply reassertion thar the account was now closed and I was responsible to pay the {$98.00} annual fee. Citi continues to claim the debt and is now charging me late fees for not paying the annual fee for the card ( no purchases mind you ) and reporting me to the credit bureaus for delinquency. This is a rip-off of the highest degree - almost as sleazy as XXXX XXXX shenanigans a few years ago. I would like your help to stand up for principle. I have the means to pay the stupid {$98.00}, but this kind of abuse by these big banks needs to stop. They should not be allowed to operate above decent and fair business practices. When I used the card years ago to book a trip, I paid my entire bill to them on time. They are asking for money they dont deserve for a service I turned down long ago. What was once a useful and mutually beneficial business relationship they have managed to turn into a pile of rubbish. I will never do business again with them or any of their affiliates.

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 2019-05-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to the 3 credit bureaus with regards to TransWorld System Inc. My specific complaint was the re-aging of the account. The original creditor is XXXX ( XXXX XXXX XXXX ), they are the local electric company. 

This debt has been paid. Neither the collection agency nor the utility company dispute this fact. 

I contacted XXXX and was told the original date of delinquency dated back to XX/XX/XXXX. I explained to XXXX that the creditor was still reporting this file beyond the 7 year statue of limitations. XXXX instructed me to contact Tranword System. 

I contacted Transworld system and was told to challenge the inaccuracy on the report. I explained to Transworld I had already done so.

Transworld sent me a copy of the last bill XXXX billed me for, dated XX/XX/XXXX. 
I explained to the Transworls agent, and several supervisors, that XX/XX/XXXX was the LAST date of delinquency and not the first. I was then instructed to call XXXX to get proof. 

I called XXXX and spoke with several layers of supervisors. I explained that Transworld was reporting an incorrect date. They said to talk to Transworld. I asked XXXX to please send me copies of all my statements as proof that the original date of delinquency occurred in XX/XX/XXXX. XXXX agrees with my date. However, I was told that XXXX did a computer update XX/XX/XXXX. I was told my request was impossible as all statements of charged off account prior to XX/XX/XXXX have been permanently purged. 

I'm stuck in a vicious circle of the original creditor and the collection agency both pointing the finger at XXXX another. 

It is my understanding that the collection agency must verify this information. Transworld does not seem to want to take the time to understand my specific complaint. It appears all I get are computer generated templates. 

Sending me a copy of the last bill XXXX has ever sent me is terrific. It's not what the complaint is. The complaint is SPECIFICALLY the date of first delinquency of XX/XX/XXXX. 

Can you please help me resolve this and if needed can you guide me on how to sue this collection agency. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: GA

Complaint narrative:
I had purchases in the amount of {$640.00} on a promotional balance that expired with the XX/XX/2019 statement. I called the credit card company in XXXX inquiring as to when I needed to payoff the promotional purchase to avoid interest. She said I needed to make the payment after the XXXX statement closed. I made my XXXX statement payment in full of the expiring promotional balance of {$640.00} on XX/XX/2019, 8 days prior to the due date of XX/XX/XXXX. Rather than my payment paying off the expired promotional balance, my payment was applied to two other younger balance transfers and I accrued {$10.00} interest on the {$640.00} of purchases on the expired promotional balance on the XXXX XXXX. I called the credit card company today, XX/XX/XXXX, and they tell me I now need to make the payment in full plus interest to avoid further interest on the balance and that I made my payment too early as the balances were all 0 % promotional on the XXXX statement, yet I was accruing interest on the {$640.00} as of XX/XX/XXXX. I asked how come the payment wasn't applied to the balance accruing interest, and they said it wasn't accruing interest last month yet there is interest accrued on this months statement. They refused to fix the issue. Im not sure how I could have avoided paying this interest as they would not extinguish the expired promotional purchase balance with the payment in full I made before the due date. This can not be in compliance with the CARD Act of 2009, as I had a balance accruing interest and my payment was not applied to that balance.

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 2019-05-15 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: VA

Complaint narrative:
AFTER REVIEWING A COPY OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT WAS PLACED ON MY REPORT WHICH IS CAUSING TREMENDOUS HARDSHIP ON MY CREDIT. THOSE ACCOUNTS DOES NOT BELONG TO ME AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I receive a settlement of {$290000.00} in XX/XX/2012 an open account with Wells Fargo XXXX XXXX in Delaware I spoke to the teller and he asked me to open two secured credit cards both of us {$3500.00} each so {$7000.00} which was my own money I open account XX/XX/2012 I had over {$200000.00} in the bank but I just looked at the credit report and it's saying that I opened the card XX/XX/2012 and I was {$1000.00} negative I noticed to lie so I please can someone help me with this issue

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 2019-05-15 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 received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as these are not mine. I have filed a report with FTC and contacted my local police. I'm doing this on my own behalf. There are still items on my credit that are not mine. Bankruptcy Chapter XXXX-discharged, FOR YOUR EYES ONLY, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Account with no name but a account number # XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, DEPTEDXXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 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: TN

Complaint narrative:
I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as these are not mine. I have filed a report with FTC and contacted my local police. I'm doing this on my own behalf. There are still items on my credit that are not mine. Bankruptcy Chapter XXXX, FOR YOUR EYES ONLY, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Account with no name but a account number # XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank 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 explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I received a 16-digit {$250.00} offer code ( XXXX XXXX XXXX XXXX ) from Fifth Third Bank in my email. The offer promised a {$250.00} checking bonus for opening a new Fifth Third Essential, Enhanced, Preferred or Free checking account by XX/XX/XXXX if 2 requirements were met : reaching a {$500.00} balance within 45 days, and maintaining a balance of {$500.00} for 60 days. The offer stated that the cash bonus would be deposited into my new checking account within 10 business days of completing qualifying activity requirements. 

On XX/XX/XXXX I made an appointment with Fifth Third Bank located at XXXX XXXX XXXX XXXX and opened a free checking account with XXXX XXXX the financial center manager. I  also gave her the offer code from my email. 

On XX/XX/XXXX I transferred {$560.00} dollars into my Fifth Third free checking account fulfilling the minimum balance requirement and left this money in the account. On XX/XX/XXXX I also transferred an additional {$410.00} dollars. On XX/XX/XXXX I met the 2nd qualifying activity of maintaining a balance of {$500.00} for 60 days. 

On XX/XX/XXXX, 5 business days after the last qualifying activity, I contacted Fifth Third by email to inquire about my bonus. 

0n XX/XX/XXXX, Fifth Third replied with the following response After reviewing your account, our records do not show bonus offer attached to your account as of XX/XX/XXXX. 

Promotions are managed directly through your home Banking Center. For information on a promotion attached to your account, please reach out to your local Banking Center at ( XXXX ) XXXX. 

On XX/XX/XXXX, 6 business days after the last qualifying activity, the bonus had still not been posted to my checking account. I contacted the financial manager XXXX XXXX who had opened the account. She indicated that I should have received my bonus by now and that she would open a help desk ticket. She also still had the offer code and agreed to contact me on XX/XX/XXXX with an update. 

On XX/XX/XXXX I had not been contacted by XXXX so I initiated contact. XXXX stated that the help desk ticket was still open and that she would contact me if anything changed. 

As of XX/XX/XXXX it has been 2 weeks since the qualifying activity and I have still not received the checking bonus nor an update on its status.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-15 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian credit reporting agency I have disputed medical bills that should have been paid by the VA I didnt even know that they had not been paid until I refinanced my mortgage which was almost a year later I had gone to XXXX  and they lowered the payment from {$52000.00}. to {$5000.00}. Experian is showing {$8000.00}. XXXX XXXX is over 10 years old and still on my credit report. I have been trying to fix this for over 3years and they seem to add more time to the loans are they allowed to say that since the day I disputed it starts over if it is ok to their standards.

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 2019-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting an account inaccurately on my credit report. Besides the point that this is not my account and that my social security number is not the one on this account, the opening date of this account is not accurate. XXXX XXXX states on XXXX and XXXX credit report that this account is open on XX/XX/XXXX. If this is true why do I have documentation that there was a balance on XX/XX/XXXX. This account was verified by the Original Creditor, Capitol One, to be opened in XXXX back in XXXX when I first got the call of this account by Capitol One. For this if this account was opened in XXXX or XXXX then it would be fraud and falsely to say it was opened in XXXX just to keep it on my credit report and keep harassing me with letters and phone calls. I am working with all credit companies for it just showed up on my XXXX  again since XXXX when it was first reported. I have documentation that they keep sending and harassing me with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
The company is penalizing me for pay a mortgage payment early and now they are holding up my refinance. This is current happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: DISCOVER BANK
State: LA

Complaint narrative:
I previously had an {$8500.00} credit limit with Discover. I was 30 days late on my XXXX card, Discover reduced my limit to {$500.00} because of the late payment on my XXXX card. XXXX did not penalize my account and waived the late fee. Discover dropped my available credit to right about my current balance of {$300.00}. I did not receive a letter stating this as Discover stated they informed me by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I looked at my Transunion credit report with XXXX XXXX today XX/XX/2019 and I noticed that it says that two old accounts were removed from my credit report, I was happy about it until I looked at my closed accounts and to my surprise those two accounts are still showing there even tho they told me that the accounts were removed, I dont understand why Transunion told XXXX XXXX to report something and then lie about it, I called Transunion to try and figure out what is going on with this problem and some guy told me that XXXX XXXX is reporting false information so I asked they guy how can XXXX XXXX report something false when all of the information that they report comes directly from Transunion and then the guy told me that they have a relationship with XXXX XXXX but that they were lying about these accounts being removed. I am really upset because this company is reporting false information. Then they tried to blame XXXX XXXX for it. I will also contact XXXX XXXX and ask about this.

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 2019-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc.
State: ME

Complaint narrative:
XX/XX/XXXX I bought a brand new XXXX XXXX. 

XX/XX/XXXX, my XXXX  stalls dead in traffic. Took to dealer, they said it was out of oil. My XXXX burns oil! On 3 other occasions I have had dealer ship and myself add oil to this XXXX. This XXXX burns oil! And who knows causes premature tune ups, pistons, oil that cost XXXX $ a quart. This is not right. 

I tried reaching out to XXXX XXXX and received a call center who wouldn't let me speak to supervisor or management. 

My dealership says I can't trade it in, that they are trying to resolve the oil burning issue. I can't file for a lemon law. This is not right! 

I'm paying off a loan! I make {$12.00} an hour. I am XXXX years old. 

Can someone help me? I don't deserve this, it's a brand new XXXX  with XXXX miles. Can you have XXXX management contact me? They have many complaints about this problem, I've looked it up and the dealership says they have many complaints as well. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I got two pieces of mail where they were trying to collect debt that I owed. I called the number on the letter and told them that I applied for that loan and that it was a result of someone using my identity. They disregarded my calls and said that I had to pay them. I am not paying something that I do not owe because it was not me who applied for those loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: NV

Complaint narrative:
I owed XXXX a cell phone bill for {$540.00}. I paid the collection agency Enhanced Recovery Co LLC in XXXX FL. I paid the debt in full before the due dates for payment. I was told that with in 30 days they will update as paid in full to the credit reporting agencies. As of the date of this complaint they have yet again verified the debt and are not showing it as paid in full. After I yet again disputed the debt on XX/XX/2019. This debt has been paid in full since XXXX XXXX a full 90 days from the time I paid and they are still validating the debt. I called and asked them to stop validating as it goes against debt collection practices. They only want to argue and refused to remedy the problems. I can submit bank records to prove the debt was indeed paid. As you see on both bank statements ERC from Florida is the collection agency I paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
CPC XXXX Is a debt collection company that keeps calling my employer 3 to 4 times a day. They have shared information to my co workers and it's personal information that they should not know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CNG FINANCIAL CORPORATION
State: AL

Complaint narrative:
Paid on my loan as usual, same procedure, got a receipt, only to find out 2 days later that it wasn't credited to my account which resulted in me having to pay double because of what I thought was paid.I 've heard of the tactics they use to confuse consumers payments.I 'm on a fixed income ( XXXX ) and can't afford to shell out extra money.I 've tried to contact them on many occasions, but keep getting the run around.Please help to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Allarin Professional Group LLC
State: TX

Complaint narrative:
I recieve calls over 10yrs now for a XXXX XXXX  for the number XXXX. She uses a postbox. It hasnt been her number & I'm sick of fighting these people.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates has been repeatedly calling me and harassing me from different phone numbers all times of the day. I have asked them to stop calling me and they have failed to cease calling me. I have blocked more than 20 different phone numbers that this company and its employees use to call me. They have also sent letters threatening to sue me. I am really tired of the repeated harassment. I am tired of blocking numbers every other day. Stop harassing me.

Company response to consumer: Closed with non-monetary relief