vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-09 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: CITIBANK, N.A.
State: MO

Complaint narrative:
This is a follow up to complaint XXXX I supplied Citi with sufficient information to process a dispute with a merchant. Citi delayed months on this complaint ; there were constant struggles getting the investigator to reply. Nevertheless, Citi 's delays were jeopardizing the ability for the dispute process to occur through Visa. Finally, after submitting a complaint from the CPFB - Citi responded with a letter ( which CFPB was in cc ) stating that their executive office would be proceeding with the dispute and the merchant had 45 days to respond but to allow them up to 60 days to communicate any next steps or merchant responses.

On XX/XX/XXXX ( 60th day from the date of the letter ), I contacted Citi to find out if the merchant had responded. The letter clearly states that if there is no response by the merchant by 60 days, the credit would become permanent on my account.

On that phone call, Citi informed me that they had forgotten to submit the dispute and they would be getting back in touch with me about " writing off '' the debt since they clearly neglected to follow the steps they stated in their letter. I have a voice mail saved from their executive office that I would have a phone call with an answer by close of business tomorrow ( XX/XX/XXXX ). I've never received that call and have placed 15 calls since then at various times of the day - so far, I have left 3 voice mails with no reply.

On XX/XX/XXXX, I received a letter in the mail that I have also attached to this complaint. This letter was dated XX/XX/XXXX ( after the 60 day expiration ) - it now states that they will be working with the merchant and will let me know the reason if they can not get an agreement for a refund. Obviously, this letter contradicts the first letter and demonstrates egregious neglect and/or abuse of a process that I was entitled to when I signed up for the terms of service with using their card.

The CFPB feedback window on the first complaint expires in 60 days from the date of the original complaint ; therefore, I was unable to add these follow up action details. By filing a new complaint and making the CFPB aware, my hope is that they were not able to slide through the first complaint to seemingly comply and satisfy the issue.

My consumer abuse experience is evidence that the lack of action for my qualified dispute is a clear breach of their cardholder rights under the terms of service offered when I signed up for the card. Depending on the response to this complaint, I have been requested to submit all compiled information to the Attorney General 's office for actionable review.

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 2019-01-09 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I went XXXX XXXX on XX/XX/2018 for XXXX XXXX and was quoted apr rate of 4 % by Care Credit/Synchrony Bank but are charging me 26.99 %

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 2019-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This company violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2019-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX I made a {$5000.00} mobile check deposit into my Santander Bank checking account drawn on another account I had with XXXX XXXX. Later that day I received a notice from Santander indicating that the funds from that deposit would not be available until the second business day after confirming receipt of the deposit, or in some cases, no later than the sixth business day after the deposit. This is all in accordance with the Santander Funds Availability Policy. On the next business day, XX/XX/XXXX I confirmed through XXXX XXXX  that the check had been debited from my XXXX XXXX account and the funds were debited on XX/XX/XXXX. On XX/XX/XXXX I received a notice in the mail from Santander Bank ( dated XX/XX/XXXX ) indicating that they were delaying the availability of {$4800.00} of the deposit since they were unable to verify funds for the deposit. Since XX/XX/XXXX, I have incurred {$70.00} of insufficient fund fees since the funds that Santander received on XX/XX/XXXX were not credited to my checking. When I contacted Santander customer service they explained to me that the funds for the check were being verified and that the funds would not be available until the end of the day on XX/XX/XXXX. These funds were finally made available to me late in the day on XX/XX/XXXX. 

I believe that Santander Bank is in violation of Regulations CC which defines the requirements for a bank to make availability of funds to its customers. I feel that the Santander Bank Funds availability policy is in violation of Regulation CC for the following reasons : 1. Section 229.12 of the regulation states that a bank shall make the funds drawn on a local check available to a consumer not later than the second business day following the banking day on which the funds are deposited. Since the funds were debited from the XXXX XXXX  account on XX/XX/XXXX it is apparent that Santander was in receipt of the funds for the deposit for which they did not make available to me.

2. Section 229.13 of the regulation does provide a bank to extend the availability of funds based on certain criteria defined within the regulation. The notice provided to me did not state one of the permitted exceptions, it just stated unable to verify funds. This is not consistent with the fact that the funds from the XXXX XXXX account were debited on 5 days prior to the funds being made available. 

It is apparent to me that Santander Bank has developed their funds availability policy to accommodate their inefficient operational processes and profit from putting an extended on their customers funds.

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 2019-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc.
State: WA

Complaint narrative:
Past Story : We get a discount on our property taxes. Each year we go in for review. XX/XX/XXXX review showed we had to pay more, there was an adjustment for XX/XX/XXXX & XX/XX/XXXX. XXXX/XXXX # XXXX were sen adjustment bills. They were late in paying, interest & penalties were added, but they did make some payments. There was a balance due by XX/XX/XXXX or more interest & penalties would be added, as of XX/XX/XXXX that balance has not been paid. Our prop tax account reads in big red letters : DELINQUENT STATUS. I have contacted them by phone & email several times. They told me my taxes would be paid when due, I told them they are past due, they would not give me a date when they would be paid. For me not to worry I would not be responsible for any of those interest & penalties. So far the payments made include interest & penalties taken out of my escrow account. XXXX XXXX at XXXX Co Assessors Office has called them and sent paperwork trying to get payment. There are 2 attachments. I have not checked out credit report, this better not be on there as delinquent. 
I also want to add that they are late, many times, paying our homeowners insurance which is thru Foremost.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
I am emailing in regards to an erroneous account being reported on my XXXX  and XXXX consumer credit report. This company NCB Management is reporting this erroneous account on my report. I have attempted many numerous request by certified mail that NCB Management verify this account belongs to me by providing physical verification such as a signed contract and etc. Section 611 ( 5 ) ( A ) of the FCRA clearly states that this information should be promptly  deleted if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a business account with wellsfargo I was not paying or signed up for XXXX access on that account ( XXXX has no record of any such connection so it's all Well Fargo fees ). I closed the empty account in XX/XX/XXXX.

In XX/XX/XXXX, I open a personal account. I come to find out I have been being charged XXXX a month for a service I never requested and the reasoning is an email I found in my simply reading : " Dear **** *******, We have changed the billing account for your XXXX ( R ) or XXXX ( R ) service billing account to the account ending with the numbers XXXX.

If you have any questions regarding this change, please contact us at XXXX for more information. We are available to assist you XXXX XXXX to XXXX XXXX XXXX XXXX, Sunday through Saturday.

Sincerely, XXXX XXXX Senior Vice President '' I NEVER had this service and even if I would have had this service years ago, I never authorized Wells Fargo to randomly, months later grab and link a new personal account ( associated with my SSN ) with a business account ( associated with an EIN ) based on my name alone and without any warning or request for permission.

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 2019-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have noticed a debt on my report which does not belong to me. I have tried numerous times to resolve this issue with Midland Funding but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: NC

Complaint narrative:
On XX/XX/XXXX, my husband and I sent an investigation request to Equifax. My husband received his portion of the response weeks ago, but I have yet to receive my portion of the response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: SC

Complaint narrative:
CBE GROUP/XXXX XXXX & CBE GROUP/XXXX CONTINUE TO ADD THIS ACCOUNT THAT IS NOT MINE TO MY CREDIT FILE AND EVEN AFTER SUBMITTING MY FTC REPORT AND LETTER ( SEE ATTACHED DOCUMENTS ) THEY CONTINUE TO SWITCH UP DEBT COLLECTION COMPANIES TO PUT THESE ON MY CREDIT FILE. AN I HAVE REALLY HAD ENOUGH OF THE TRICKERY AND SCARE TACTICS THAT THEY ARE USING. XXXX HAS NOT REMOVED/BLOCKED/DELETED THE LISTED ACCOUNTS FROM MY CREDIT FILE CBE GROUP/XXXX, CBE GROUP/XXXX XXXX, XXXX. XXXX HAS NOT REMOVED/DELETED/BLOCKED- XXXX COUNTY RECORDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MI

Complaint narrative:
I was switched to XXXX XXXX from XXXX ( much better loan servicer ) because I applied for the Public Service Loan Forgiveness. They are refusing to count my over 7 years of public service for a non-profit. In talking to them they said it was because I paid too much ( I rounded up may payments to the nearest dollar ) and that I paid to far in advance ( I sent the check from my bank on the 15th of every month - I was being paid bi-monthly ). I talked to them 4 months ago and asked for the record of my payments so I can track them and see what they didn't count - I was told I would have the record in 7 -14 days. I have received no record to date. I also asked to have it reviewed, they said they would, but to date I have had not other response from them. Then I get a notice from them that I need to re-certify my loan repayment by XX/XX/XXXX. my loan plan was good through XX/XX/XXXX. I asked them why and only received a short email stating that it takes time to process. Well that was a lie, because I processed it after the date and have already received a massive increase ( in relation to a modest pay raise, actually it the increase will negate all of the pay raise plus ) - which in reading up on them seems to be their MO. XXXX XXXX XXXX I have no files to upload since I can't seem to get them to follow through on their promises.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Northstar Location Services, LLC
State: OH

Complaint narrative:
This debt is highly disputed. Also, retained attorney for BK filing. Please cease and desist all communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
I put money down on a new home to see if I qualify for a loan. XXXX XXXX XXXX is the loan service for XXXX XXXX as XXXX uses incentives on the homes only if you go through XXXX. I put good faith monies down to start the process under the agreement that if I could not make the payments I would not move forward if that is how I interpreted the loan paperwork. I gave approximate 11K down for earnest and deposit. XXXX approved me for the loan knowing that I would qualify under there expanded loan terms but I was not aware until months later about going up to 50 % of salary. I figured I was close but thought under normal loan terms so I would not default. I disclosed all of my information to them showing I am going to be backwards in the loan with showing them my expenses but the refuse to deny my loan so I can get my earnest money back. With my current non revolving expenses I am {$800.00} a month in the negative and showed my expenses to them but say it is not their problem and will not deny. please help ... My belief is this happens a lot in my opinion to keep the earnest and deposit monies.

Attached spreadsheet of expenses revolving and monthly expenses. Non predatory lenders and home builders would back out if good faith was used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: FL

Complaint narrative:
The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I have an account in my credit reports that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
Ocwen put me on forced placed escrow, {$1100.00}, in XX/XX/2017. I completed the agreement with no late payment, with payment in full for an entire year, so my mortgage was supposed to go back to {$620.00}! XXXX payment was {$800.00} because the agent said there was some sort of " negative balance '' I still owed and once I paid that, which ironically was the final payment towards said " negative balance '', call back in a couple of weeks to make sure the process was completed. I called back, mid XXXX, to inquire. I was told there had to be some sort of evaluation to see if it would be accepted. I stated that I completed my end of the deal so my mortgage should be regular. Also, as a note included on my account was, my mortgage would continue to increase if I didnt take advantage of a refinance option with them. I would rather die than continue any relationship with this company. I spoke with an agent today who stated, all I had to do was submit a written request to be taken off of the forced placed escrow, and it SHOULD go back to normal, once I submit the {$470.00} that I owed for some other " negative balance '' that I had absolutely no knowledge of. I am currently paying {$800.00}, after a deduction, and a review of my account from mid XXXX inquiry!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations.

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 2019-01-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations.

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 2019-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have been asking for years for help with my loans as my income changed when I divorced and trying to raise XXXX kids. I was told there was not much they could do and that there was not programs to help lower my payments so of course I used up my forbearances and deferments which of course gives them ways to capitalize interest on me. My loans total has easily doubled or tripled and owe as much as a house for my Associates and Bachelors. The call centers would not release or offer any low income programs, I even tried got help from XXXX XXXX and they got me into a income based program charging me money to help me and then disappeared which caused me to be late to re-certify which caused me to loose time on the pslf due to lapse in my certification with income based programs. I called the Dept. of Ed and that is when I learned that those programs have always been available and other ones as well but none were ever offered to me in the last 10 years. I look at my total due that I owe and it is very depressing to know I owe so much money and was swindled into thinking there was not programs or help out there and I owe fees and high balances due to their scams to make money off a person trying to better themselves. I started PSLF program back in XXXX and I was told after 5 years I would be able to have some of them removed and forgiven all of them would be forgiven. I received a letter that I am not eligible till XXXX. More scams I guess I have no belief that they are trying to help people at all just to scam people, and fool people into the programs and then throw loops to make it never happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: NC

Complaint narrative:
XXXX  sold me a gift card for XXXX on XX/XX/XXXX XXXX XXXX # XXXX XXXX. They charged me {$85.00}. There is supposed to be {$100.00} in that card. On XX/XX/XXXX, I tried to use that card online. It turns out that the balance of the card is XXXX. They sold me a gift card that has XXXX balance and charged me {$85.00} for it. Essentially, they stole my {$85.00}. I emailed them on XX/XX/XXXX and tried to call them. They will never respond to your emails or calls. I left them 7 voicemails and 14 emails so far over the last 9 days and there's still no response. I once had a similar issue with another gift card seller, called ( XXXX ). They issued me refund instantly. They never ignored my calls and emails. But XXXX  scammed me. I have been waiting for 9 days for an answer from XXXX   and there's nothing. They stole my money and they never respond to me. 

I also already filed a complaint with XXXX against them. 
They never responded to XXXX. 

XXXX will never answer your phone call. 
XXXX  will never respond to your emails. 
Your voicemails will go to trash. 


XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
XXXX  refuses to properly communicate. I receive form emails that do not address the issue. I have asked them to call me but they refuse. 

XXXX  has facilitated unauthorized transactions from my business checking account. They refuse to provide transaction history.

Company response to consumer: Closed with non-monetary relief