vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I believe Citibank closed my credit card accounts due to discrimination. I have solid proof of the discrimination. However I will not disclose that all in this complaint form due to legal action I plan to file against Citibank. Here is my concern with the credit cards being closed. Citibank says its due to recent credit inquiries on my credit report. A day prior I have expressed concern about Citibank 's customer service through a secured message to Citibank. I have a copy of the message I sent to Citibank. It was a nice letter just expressing concern about how I have been treated in the passed by Citibank. I stated that I have been treated awful by Citibank. The next day Citibank closes all my cards siting that I have too many recent credit inquiries. I have had quit a few inquires when they approved me for the card nearly 2 years ago. Last year I took advantage of a lot of great credit card offers. The point is I had many inquires at this time last year and they did not close my cards. Only when I sent a secured message expressing concern about how I have been getting treated by Citibank they close my account. The solid proof I have that backs up this claim will come forward in a lawsuit. And it will prove because of my age and background that Citibank has discriminated against me. The account closure is just added proof. All my Citibank 's accounts were in good standing. I hardly used the cards. I did have a credit balance on a couple of my Citibank cards. I had to call Citibank and request a credit balance refund. I just want to make consumers aware that they need to be cautious when doing business with Citibank. They discriminate against minorities and others to the full extent. And there are other banks out there that are better to do business with that do not discriminate against you because of your age or color of your skin.

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 2017-11-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I purchased a Business class ticket with my Chase card for {$2800.00}. Upon checking in at the airport, I was advised the ticket was purchased with award miles, which I was not aware of. I was asked for the account holder membership number which i did not know, I contacted the travel agent that sold me the ticket and there was no reply I was not able to board the flight. I then Had to purchase a new ticket at the counter, which cost me {$4000.00}. XXXX I immediately reported the matter to Chase Card services and disputed the charge of {$2800.00}, This matter has been ongoing since XXXX XXXX, 2017. I have submitted all supporting documents to Chase, Along with supporting Documents from the Airline involved, supporting that the travel agent methods were fraudulent,. Chase has refused to remove the charges, claiming the charge is valid. I have requested that Chase provides me with, the correspondence from the merchant which they have refused. I received a letter from Chase card services stating that " Although I have a justifiable dispute '' their findings remains the same, the charges are valid. How is this a resolution? Chase has refused to protect me from a fraudulent merchant. Basically telling me as a consumer I have no rights or protection when using their credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
XXXX XXXX has buried information in credit agreement as to how deferred interest payments are applied. Despite paying 2X the balance owed on a deferred interest purchase, I was still assessed the deferred interest charged based on the way the payments were allocated. This approach is entirely misleading and unfair to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
My son applied for a student loan through XXXX XXXX I did n't know at the the time my name was used as a co signer just as a reference only. there are 4 loans and only one, the last one was in my name. My son did n't pay for the loans and XXXX XXXX contacted me and said I was a co signer on his 3 loans. I said I never signed anything can you send me the loan application with my signature on it. they sent me the copy of the application that is with Navient now, and no signature anywhere with my name on it was found. I called them and they said they did n't need a signature they use the I.P. address as a signature. they told me I would have to go to the police department and file fraud charges against my son and fill out some paper work with no guarantee that I would be removed. No father wants to file charges against his son or daughter our relationship is hard enough know with him not paying the loan. I have been setting up every year with Navient payment on these loans but I feel they have blackmailed me into this position. they have also filed late payments on my credit report for bills I did n't know where over due because I was not the original name on the loan. I feel this whole student loan program is a scam no where can i get this money without signing my life away. an I.P. address only???? And you can get 100k something is wrong with this system and I am an innocent victim left to pay. 

I hope you can help me thanks for your time XXXX XXXX XXXX  Navient loan # XXXX loan # XXXX loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: Westlake Services, LLC
State: CA

Complaint narrative:
I surrendered my vehicle back to the bank last year. Eventually the vehicle was picked up. The vehicle has been resold at a higher price than what I owed left on the vehicle. But my credit reports shows that I still owe them. I have tried to dispute my credit reports. One of the credit report deleted the information. But the others remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The bank did not advise that my account is going to be negative do due to two transactions that was made back on XXXX. I understand my responsibility but the bank failed to let the customer know what is going to happen. On my case I will posted the money to avoid the fees. The complain is not about the $ XXXXwith anymore. the complain is to tell how to th bank manipulate lower income class people money and also how the representative for the bank do n't give a dime to help their clients. In my case I was baking for more than 12 year also receiving two direct deposit. Is very upsetting that the bank with all the money that make with my own money they were not able to help but the supervisor ( XXXX ) she very sarcastic told that she was very sorry and that she do n't even care if I 'm going to closed my bank accounts with Bank Of America but I have to paid the fees. 

I will like to be reach Thanks

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 2017-11-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
CAPITAL ONE IS TRYING TO COLLECT MONEY DUE ON TWO ACCOUNTS XXXX AND XXXX WHILE UNDER AUTOMATIC STAY WITH THE BANKRUPTCY COURT. ALSO, FAILING TO RE-INSERT THESE TWO ACCOUNTS INTO XXXX DATA BASE AND XXXX  OWNED BY XXXX. 

PLEASE SENA LETTER FOR THE BANKRUPTCY TRUSTEE FROM YOU AND XXXX  BEHAVIOR. 

THESE ARE CLEAR VIOLATIONS OF THE DODD-FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Name XXXX XXXX is incorrect. Capital one account I 've never had accredit card. The spring associates amount is incorrect I 've disputed and called their office. Insurance paid all but my portion which was {$500.00} of which I paid {$350.00}. His office has had many complaints to about over or double billing insurance companies

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
The bank has committed a gross violation of it 's fiduciary responsibilities by not allowing the withdrawal of funds for well over a month when MORE than sufficient documentation has been submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I purchased an automobile through XXXX XXXX buyer protection plan, in which I was instructed. to purchase gift cards to cover the cost of the car plus insurance and Oklahoma border fees to ship the car from California. All of this totaled {$3500.00}. The car never arrived so I attempted to get my money back from XXXX and PayPal, because PayPal are the managers of funds. I contacted XXXX XXXX  customer. Service and found that the funds had been spent all except about {$230.00}. Since I did n't spend it and I did n't receive the item that I purchased I am due a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I decided to cancel an XXXX American Express card when I was charged an annual fee for the second year. I called to cancel it early this year, and the representative who helped me confirmed the cancellation and said nothing else. However, I continued to receive statements with a charge for the annual fee. 

When I called about this issue on XX/XX/XXXX, I was told by XXXX ( XXXX ) that there was a 30 day deadline for cancelling the account without an annual fee, and that I had been four days over the deadline. I objected that the representative had not informed me of this, and that if I had known, I would have kept the account open. I asked for the annual fee to be removed, or, if that was not possible, for my account to be reinstated. I was told that neither was possible. When I asked to speak to a manager, my request was refused. This representative did promise for my complaint to be sent to the proper department and that they would contact me about the result of their investigation. 

After not receiving any news for several months, I called again on XX/XX/XXXX, and this time spoke with with a manager ( XXXX ), who repeated that while they had tried to remove the annual fee both in XXXX and now, their software programs were not allowing them to remove it. He also repeated that I could not reinstate my account as it was past a three month deadline for that action. 

In summary, I am being asked to pay an annual fee for an account I can not use ; the company representatives tried to remove it and thus sanctioned the removal, but were unsuccessful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: VA

Complaint narrative:
I sent two endorsed checks for deposit into my Key Bank account. The checks were sent by USPS with signature required. The checks were for {$41000.00} and {$910.00}. Per the USPS, the envelope containing the checks was signed for in the XXXX Post Office by XXXX XXXX on XXXX XXXX 2017. Since that time I have been in contact with numerous Key Bank " customer service '' representatives. Each time I have to start over and recount my activities to date. Each time I am promised a representative will get back with me. After the first 3-4 calls, I have had no one call back to follow-up or provide status. The last contact I had was with the bank was XXXX when I was informed the package had been located/received in the XXXX office XXXX XXXX. I was further informed by the USPS Postal Inspector who was handling my inquiry, that they received word from the bank that the envelope with my checks was located in central processing/XXXX. This was the last information I have had and as stated previously, Key Bank has been less than responsive/helpful. Your assistance in helping me to get the checks located for certain and credited to my account is requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
There is a company out of Florida called Diversified Consultants who continue to ruin my credit on a debt that is n't mine..There have been letters sent on my behalf disputing this debt but this company refused to report correct information to the credit bureas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XXXX XXXX I gave my wallet to my attorney at the time to give to my family and instead he charged all of my accounts for his services with out anyone consent. I was under the impression that my nephew was present and gave him the consent to charge the accounts, but he never did the attorney XXXX XXXX XXXX of XXXX XXXX and XXXX took the liberty to charge the accounts him self {$15000.00} in total over 3 different accounts. Let alone he never preformed the services as he was fired before he could do anything. I had someone file charge backs regarding the accounts fraudulent charges and services not rendered and not one of the 3 banks ever made contact with me and ruled in the attorneys favor as he provided false documents to support his account of activity. The receipt he provided was dated XXXX XXXX XXXX charged at midnight and there is not anyone signature. I am waiting on finial results from Capital One Silver Credit Card and XXXX XXXX, However Capital One 360 has ruled there is not an error and finalized a decision in the attorneys favor with out ever looking over the documents or confirming a signature. XXXX, XXXX XXXX requires a signature for charges or {$50.00} there is not any body 's signature on the receipts. Please help in this matter it is not the first time I had a dispute with Capital One 360 where they never investigated the matter correctly and favored the vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I surrendered my vehicle back to the bank last year. Eventually the vehicle was picked up. The vehicle has been resold at a higher price than what I owed left on the vehicle. But my credit reports shows that I still owe them. I have tried to dispute my credit reports. One of the credit report deleted the information. But the others remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SLM CORPORATION
State: CA

Complaint narrative:
I had a savings account and investment account that was closed for no reason. The company gathered all my personal information. Took my small opening deposits, and closed my account. There was absolutely no valid reason to close my account. When speaking to repeesentative over the phone I was treated very poorly and unprofessional without any real answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First National Collection Bureau, Inc.
State: NC

Complaint narrative:
Settled to pay a debt with First National Collection Bureau Inc on XXXX/XXXX/XXXX the original bill was with XXXX XXXX for {$1100.00} they agreed to accept {$710.00} and have account settled in full and closed. First national stated they could email and mail me a letter stating account has been satisfied in full once payment is made. Now payment has been made and cleared with the bank on XXXX/XXXX/XXXX and after calling for 3 days I have not received a letter in the mail or an email. I called today XXXX/XXXX/XXXX and the customer service representative states the letter will be mailed today. The letter should have been mailed on XXXX/XXXX/XXXX or at least no later than XXXX/XXXX/XXXX. The company is giving me the run around and not answering simple questions like how long will it take to draft a letter stating account has been settled in full and account closed. The representative informed me I could go online but that only shows the amount I paid and still has an outstanding balance. When I asked the representative about updating the online information she states she will send up the request to her supervisor. I just want a letter and an email sent to me stating the account has been settled and closed for the agreed amount of {$710.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Tried to link my account to use the funds in it on today XX/XX/2017, and the bank Capital One is blocking my access to my money in the bank, I sent a message to the bank today, I tried to call them today, but the call did not go through to the telephone number provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MS

Complaint narrative:
I reached out to the company after the unexpected and XXXX XXXX of my daughter. I initially reached out to Bayview Loan Servicing to discuss my mortgage options. My home was was free and clear until I entered this relationship with Bayview. This was a cashout refinance but I did n't receive any proceeds. No money was ever disburse to me and according to my Settlement Statement I should have received monies. The loan type initially was suppose to be a fixed rate and $ XXXX. After, later discovering that the actually term was a ARM with an initial rate of 14 % and now the balance as of today is $ XXXX. I strongly believe I have been a victim of equity scheme and taken advantage of due to my age. When I questioned this and explain my inability to maintain this arrangement and to provide documentation on why the interest was high as it is. I feel like they are trying to force me out of my home without trying to assist me in understanding the terms of an agreement that I did n't authorize. They have refused to provide copies of the paperwork. I am in an active bankruptcy and they have ignore the letters as well as calls from my attorney. He has provided evidence that the sale of my property is in fact illegal according to him the proper publication duration has n't accord. But the representative from Bayview stated that the publication did occur for the duration as applicable by law. Despite several request for this documentation it has n't been supplied. I am an elderly lady with health issues this is the last thing I want to be going through at my age in my small community. I have ask desperately for help in saving my home. Calls have been unreturned, representatives have been far less than helpful this is the text book case of stealing, the companies practices is barbaric and sociopathic and no one seems to be concerned.

Company response to consumer: Closed with explanation