vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-05 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: FL

Complaint narrative:
On XX/XX/XXXX I received a call from Citibank N.A.  asking if I had received my check from the settlement between them and the CFPB. I said I had no idea what they were talking about, they explained it and said they would send another check. I should have my refund before XXXX. 

So I waited until XX/XX/XXXX or very close to that date, and I was online with chat and then made a call and talked with a person about it. She had a very disrespectful attitude and told me that the check was in the mail. I called again XX/XX/XXXX and they told me I had to talk to their 3rd party company, they told me it was mailed XX/XX/XXXX and I should wait for it. I told them that I work for the Postal Service and I know how long mail takes and this sounds like a stall tactic. So today XX/XX/XXXX I am talking to a person who told me that they would cancel the check and it would take 40 days or more to get a new check to me. I have used the same address since XX/XX/XXXX.  So if it was sent I should have had it. 
My problem is this : If I was one day late past the deadline they would charge me a late fee, and put a hit on my credit. For 7 years? or something like that. But they get to use this money and are still using it as for as I can tell, to get interest or be invested however they wish with no penalty or pressure on them at all. Any penalty that they paid to you did not benefit me it just went to you I am sure. 
I also feel that I am talking to people who have no power at all to make it happen. They just give excuses that were provided for them, and just keep delaying the payments.

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 2019-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
I had a XXXX bill that was fraudulently obtained in my name. I ultimately had the collection removed and deleted from my credit reports. The collection agency that removed the debt was XXXX collection agency after concluding that I did not open this account and it did not belong to me. 
Diversified Consultants has placed the collection back on my reports without notifying me and without giving me the opportunity to dispute the debt, XXXX informed me that they did NOT place a collection with Diversified Consultants and to dispute the collection. Had Diversified Consultants properly validated the debt according to the FDCRA they would have known the debt is a result of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hi there, My new XXXX XXXX XXXX has an advertised perk of earning 4x Membership Rewards points per dollar spent at US restaurants and grocery stores. 

I have a handful of XXXX charges made at restaurants, that I am only receiving XXXX Membership Reward point per dollar spent. 

1 of these restaurants is coded as a " grocery store '' ( which should still earn the XXXX points ), and the other XXXX restaurants are coded as " restaurants '' but for some reason are not earning the points. 

I contacted American Express via chat and phone starting on XX/XX/XXXX, and have since emailed and called with them several times since then. Each time, they say they are " investigating ''. 

Here are the charges from XX/XX/XXXX : XX/XX/XXXX XXXX XXXX XXXX ( either a cafe or a grocery store ) XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX {$210.00} XX/XX/XXXX XXXX {$170.00} XX/XX/XXXX XXXX XXXX   {$52.00} Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank offered a deposit bonus of {$400.00} if certain requirements were met. All requirements were met ( verified by local branch representative ). Citi failed to timely pay the bonus and continues not to pay. When I call in to investigate I am not allowed to speak to department that makes decision. Branch representative has attempted to contact said department. They do not answer her emails. They continue to send me lettesr " ... failure to make required deposits within the required period ... '' This is not true and has been branch verified that required deposits made on time. 
Numerous other similar complaints are evident online.

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 2019-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I am writing in regards to a late payment/late payments on my credit report from XX/XX/2016 for my Navient account. I entered into a forbearance in XX/XX/2016 and was told by a representative/ agent of Navient that the forbearance would retroactive and there WOULD NOT be any late payments on my file/ account. I have since found out that there is a late payment on my credit report for all 12 loans that I have in XX/XX/2016. This wrong information on my credit report is effecting me a very negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a dispute with Experian successfully yesterday. It was a simple deletion of incorrect previous address. I was notified by email the dispute was resolved and verified it. However when I looked at my score it dropped by 8 points. I have lived at my current address for 10 years and my previous address for 5 years. Nothing on my credit report has changed. All my accounts are current and never a late payment. Nothing changed on XX/XX/XXXX from my previous score update, other than filing the dispute. The other 2 credit reporting bureaus have actually raised my score by 6 points each, in the last week, so the only possible reason for the score and credit worthiness drop was from filing the dispute. It was my understanding this should have no reflection on my score, yet an 8 point drop in one day is horrible and I want it corrected.

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 2019-01-05 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: MI

Complaint narrative:
I have written to the three major credit reporting agency starting XX/XX/2018 through XX/XX/2018 about removing inaccurate information on my credit report i recieved a letter back saying that they investigated and that the information on my credit report had been verified and was accurate after i sent them documentations supporting my complaint that the courts do not report individuals cases to credit agencies. I also have an account on my credit report that i asked to be verified or deleted again this account also at the end of there investigation came back verified and accurate, but i also wrote a letter to this creditor in XX/XX/2018 about this matter and the letter came back return to sender so the address thaey have on this creditor is clearly incorrect.I also wrote to the credit agencies asking them to remove inquires on my credit report that was 30 days old or older and sent them a list of inquries that i felt inaccutate the in return sent me a letter stating to reach out to the companies that had inquired on my report I again tryinr to resolve this matter mailed out letters to the companies that had inquired on my report well again the letters were returned by the postoffice and there some companies on my report that has no contact information for the so i couldnt write them on my behalf.and another account on my credit report that i disputed came back verified and accurate i sent out letters to the creditor personaly on XX/XX/2018 with no response to my letters but also no postive response from the three credit agency they have provided me with no proof of documentations showing that these are my accounts under the fair credit reporting act they must do so after an investigation. The credit reporting methodof the three credit agenies has caused me to be denied for an auto loan, credit cards, and a home loan and because of these actions fromt the credit bureaus and creditors this has caused me defamation of charactor and has been detrimental to my credit report.My complaint is about Transunion, XXXX, and XXXX Also two creditors that i have wrriten XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. and the person involved is myself XXXX XXXX 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 2019-01-05 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: MI

Complaint narrative:
I have written to the three major credit reporting agency starting XX/XX/2018 through XX/XX/2018 about removing inaccurate information on my credit report i recieved a letter back saying that they investigated and that the information on my credit report had been verified and was accurate after i sent them documentations supporting my complaint that the courts do not report individuals cases to credit agencies. I also have an account on my credit report that i asked to be verified or deleted again this account also at the end of there investigation came back verified and accurate, but i also wrote a letter to this creditor in XX/XX/2018 about this matter and the letter came back return to sender so the address thaey have on this creditor is clearly incorrect.I also wrote to the credit agencies asking them to remove inquires on my credit report that was 30 days old or older and sent them a list of inquries that i felt inaccutate the in return sent me a letter stating to reach out to the companies that had inquired on my report I again tryinr to resolve this matter mailed out letters to the companies that had inquired on my report well again the letters were returned by the postoffice and there some companies on my report that has no contact information for the so i couldnt write them on my behalf.and another account on my credit report that i disputed came back verified and accurate i sent out letters to the creditor personaly on XX/XX/2018 with no response to my letters but also no postive response from the three credit agency they have provided me with no proof of documentations showing that these are my accounts under the fair credit reporting act they must do so after an investigation. The credit reporting methodof the three credit agenies has caused me to be denied for an auto loan,  credit cards, and a home loan and because of these actions fromt the credit bureaus and creditors this has caused me defamation of charactor and has been detrimental to my credit report.My complaint is about XXXX, XXXX, and Equifax Also two creditors that i have wrriten XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. and the person involved is myself XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: PNC Bank N.A.
State: PA

Complaint narrative:
To Whom this may concern, I am writing to file a compliant against PNC Bank. In XX/XX/XXXX we applied to a Debt Management Program and since then have been trying to get our PNC Bank credit card on this program. We have reached out and discussed this with PNC Bank several times, but have been given the run around. They have admitted to our Debt Management Program that they have received our proposals and information several times, but that they are not responding or processing our requests. This is affecting our accounts in a negative manner. We have since gone past due on the accounts and it is negatively affecting our credit score. We have been making payments through our Debt Management Program, but this is not satisfactory for PNC Bank. However they will not give us a direct answer as to why they are not working with our Debt Management Program. Currently they have written us a letter of Default for this account with a payment including fees and charges that would otherwise not be on the account if they had responded to us back in XX/XX/XXXX. The total due now for that account is {$640.00}. They are requiring {$310.00} to be paid by XXXX XXXX. This account is currently closed due to our request. We are asking that the proposal be applied onto our accounts immediately and backdated. Also that our past due balances be removed and that any negatives be removed from our credit report. We greatly appreciate your help in this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX our company ( a non-profit organization ) made an online transfer of {$24000.00} from our Wells Fargo savings account to our Wells Fargo credit card account in order to pay off the current balance. On XX/XX/XXXX we discovered that the payment amount was deducted twice from our savings account instead of once. We phoned Wells Fargo that same day to notify them of their error. A Wells Fargo agent responded that the error would be corrected and the second ( erroneous ) transfer of {$24000.00} would be transferred back to our savings account. On XX/XX/XXXX we checked our saving account balance and discovered that the error had not been corrected. Phoning Wells Fargo on that same day, the agent told us that it would take 7 to 10 business days for the money to be returned to our account. We let them know that that length of time to restore our funds was unacceptable, but they said there was nothing they could do to restore our funds to the savings account any faster. 
In this day and age of immediate electronic transfers, 7 to 10 days seems extraordinarily slow for the correction of this errorthe banks errorand makes one wonder if Wells Fargo delays these types of error corrections for their own financial gain.

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 2019-01-05 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: DISCOVER BANK
State: FL

Complaint narrative:
I have found that Discover has been charging me interest from 2 different time periods. Neither of these times is a Cash advance. 

They charge interest on the whole balance for XX/XX/XXXX to XX/XX/XXXX Then a different interest rate from XX/XX/XXXX again on the whole amount. 

Now during the first time period didn't I pay the interest that was due for that time, on the balance then? Why is it still being charged? They are able to collect past interest rates on today 's balance? 

How can I be charged interest from then on today 's money? Plus interest on today 's money as well? 
I have sent emails asking them to explain this but they did not respond at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
A. On XX/XX/XXXX I purchased a Business Education and Training Program called XXXX  XXXX XXXX XXXX called XXXX. I purchased training packages and the permission to sell the packages. I paid {$60000.00} for the program and charged {$7500.00} on a BAC Credit Card as XXXX XXXX XXXX, on XXXX I charged {$4500.00} on the same BAC card for XXXX XXXX XXXX NC.. On XX/XX/XXXX XXXX was shut down by the FTC. All XXXX communication and Websites were shut down and remain shut down. Therefore I was unable to sell or get any additional training. On XX/XX/XXXX I notified the BAC dispute department of the situation. They mailed me a from on XX/XX/XXXX and I completed it and sent it back on XXXX XXXX. Since then I have been going back and forth with BAC to send more information and I have submitted information each time. As of XX/XX/XXXX BAC sent me a letter stating they wont continue the dispute because the didnt receive a breakdown of the charges. I submitted a detailed breakdown. This issue is about services unfulfilled. I did receive some of the services : XXXX XXXX XXXX XXXX NC the only items I received from this program was XXXX ( XXXX ) coaching sessions out of XXXX ( XXXX ) which is about XXXX the of the program. Which is XXXX X {$7500.00} = {$1000.00} disputing $ XXXX $ XXXX {$6400.00} XXXX XXXX XXXX XXXX NC I did receive the XXXX ( XXXX ) day seminar, a Private XXXX and a Webinar which is 64 % of the program. Disputing {$4500.00} X 36 % = {$1600.00}. 
I have attached copies of the credit card invoices.

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 2019-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION
State: MA

Complaint narrative:
My account with BBVA had 4 overdraft fees due to 4 payments return from the same company ( XXXX XXXX ). That was okay, because it was poor planning on my part. Once I saw the mistake, I quickly made deposits to cover the 4 payments and the overdraft fees, because I knew the XXXX XXXX would try to withdraw funds from my account again. 

I quickly made the deposit, and to my surprise, 2 days later I had 6 additional overdraft fees on my account. BBVA bank used deceptive practices to charge me multiple fees. I had sufficient funds on my account, since I made deposits on XX/XX/2019. BBVA charged me the 6 additional fees and return the payments once again to XXXX XXXX. I called the creditor and the creditor told me that they try to withdraw the amounts on XX/XX/2019. I tried to explain to the bank that on XX/XX/2019 I had the available funds on my account to no avail, they did not returned me any of the fees. 

I was upset that I closed my account with BBVA, and told them to my the remaining balance, but guess what? they do not have a option to mail you the balance of the account, so I had to " DONATE '' the remaining balance to the bank. My only option would be for them to mail the balance, since they do not have a physical branch in Massachusetts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: WI

Complaint narrative:
My XXXX account was sold to XXXX financial. Recently my card has been declined for simple transactions even though my account is paid in full every statement. 
Since XX/XX/XXXX, I have called their customer service number several times each day, and they kept me on hold as long as I could stand it ... .up to one hour! 
XXXX. I can not get through to them for an explanation. 
Please help. The bank that sold their credit accounts said they couldn't help.

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 2019-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
My home loan was transferred from XXXX XXXX XXXX to Carrington mortgage at the XX/XX/XXXX/XX/XX/XXXX. We were told we had a grace period to start paying on the loan with the new company. But thought better and made our payments on time. Never missing a payment. But Carrington started sending us threating statements about us being behind. They never got back with us when we sent in information that we were current on our mortgage. I went from having EXCELLENT credit to fair credit in months and it's not changing. Our mortgage gets paid every month on time. But when I just checked my credit report Carrington has us behind 30-59 days for the last 7 months!! We need help dealing with this company. I take pride in paying all our bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
This is regarding my XXXX service. Had to stop service due to move. Its a matter of returning all rental equipments to XXXX. I made a mistake, missed one equipment but returned it too after being informed there is one more to return. I have receipts If needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
1st complaint-Date:XX/XX/2018 Amount : {$830.00} Action taken : I disputed with XXXX Credit Bureau because its reporting inaccurate information. I disputed it and they are stated it was verified as accurate. There is no documentation with my signature that I owe this debt and I've never had any business relation with this creditor. Dispute file # XXXX 2nd complaint- Date:XX/XX/2018 Amount : {$400.00} Action taken : I disputed with XXXX Credit Bureau because its reporting inaccurate information. I disputed it and they are stated it was verified as accurate. There is no documentation with my signature that I owe this debt and I've never had any business relation with this creditor. Dispute file # XXXX

Company response to consumer: Closed with explanation