vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
On XX/XX/2018 I purchased a single item on XXXX. It was a one of a kind item, impossible to order a quantity of two. I was double charged. The item price was - {$200.00} and I was charged that amount twice. I checked out as a guest so I was told that buyer protection was not offered to me. I was also told by XXXX that only one of the transactions had gone through. I contacted my bank ( XXXX ) to dispute the transaction. The dispute was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
This debt has just a few days ago on my XXXX  credit report after it had been deleted after I disputed the debt via a FDCPA letter. This debt is not mine and I was not given any notice that this debt would be put on my report. This is copy of the letter and return receipt from XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have been charged unjustified/random fees at least three times in the last month by Citibank. They have charged me for a returned check, but I have not written any checks in the last 6 months. They have charged me with overdrawn fees multiple times when my account balance was in fact not negative. When trying to resolve these fees with them they only refunded a part of the unjust fees.

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 2018-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth Third Bank has canceled and changed my account numerous times. I have been charged a {$11.00} maintenance fee on my account. I have lost thousands of points earned from credit card purchases that suddenly disappeared without any explanation. This has been going on for years and it's asinine. I have been with this bank since I was a child. My mother opened up my first savings account with this bank, at the same branch that I've used my entire life. There is no customer loyalty when I have been loyal to them for my entire life. I'm always having to worry if my money is safe FROM THE BANK when I shouldn't have to be worried at all, that's why I deposit my money there to feel that my money is secure. It's not. It's being slowly taken from me and there's nothing I can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
Consolidated student loans thru XXXX XXXXXXXX XXXX Employed by a federal Head Start grantee for 7 years. 
Enrolled in student loan forgiveness program sending employment verification signed by my employer that qualified me for the XXXX student loan forgiveness program. 
Never missed a payment in 7 years. 
Recently told there is no record of me in this program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Request for Investigation of Unauthorized Inquiry I checked my personal credit report and I noticed an unauthorized inquiry had been made from XXXX XXXX XXXX in XX/XX/2016 

I request that you initiate an investigation into XXXX XXXX XXXX 's inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report. 

Thank you for your assistance in this matter, Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC
State: AZ

Complaint narrative:
This company is sending me unwanted letters for a debt i do not owe. i have no knowledge of this debt and it does not belong to me. i have for the last several years been a victim of identify theft due to my social security being disclosed as part of government data breaches at the Department of Veterans Affairs and with XXXX. I've spent the last two years trying to reclaim my identity and these types of unscrupulous collection agencies are not helping.

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 2018-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
This is a complaint about Bank of America. More than 5 years ago I had opened a money market savings account and was told to maintain the account I had to have {$2500.00} in my account monthly and/or have transactions in and out the account. I have maintained the account with a constant minimum balance of {$2500.00} up till XX/XX/2018. I made sure on XX/XX/2018 I headed to the bank to bank in {$2500.00} in cash so that my monthly closing balance did not fall below its requirements. On XX/XX/2018 I had a {$8.00} dollar monthly maintenance fee that was charged by the bank and after several phone calls speaking to customer service they said my account is now known as the Rewards Savings account and I had to maintain a daily balance of {$500.00} instead of {$2500.00}. I was definitely not informed about this change and new requirements - as I would not have done the withdrawal as how I had done on XX/XX/XXXX so I can avoid the fees that were to be charged. Bank of America definitely did not inform me in any way and all they said was it could have been on the statement and no such email informing me of such which I find it ultimately deceiving. They also refused to refund me the charge although it is my first time making such mistake. A mistake that I myself was not aware I was making. I have had banks like XXXX or XXXX whereby I made a mistaking if overdrawing to pay for my bills and quickly rectifying it with a deposit into my bank account and they will reverse the charge / penalty for such. Im really disappointed that Bank of America would not even do so for my as it is my first time such an instance had happened and I was not properly informed of the change of my bank account and its requirements.

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 2018-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Coerced me to bring credit card current and took a promise to pay and closed my card the day before my payment is posted

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I moved out of my apartment, cancelled my XXXX XXXX, and paid my XXXX bill in full in XX/XX/XXXX and then AGAIN in XXXX when they hit me with a {$20.00} charge for something. XXXX sold a {$71.00} collection account to diversified consultants in XX/XX/XXXX, a month after I paid my bill in full. No attempt to contact me about it, my bill online said {$0.00} was owed. I called XXXX sometime in XXXX. They apologized, told me the debt was incorrect, and they would get it off my credit report ( said they made a note of it in their system ). I called again yesterday XX/XX/XXXX. They told me to call the debt collection agency to get it off my report. Why would I call the debt collection agency?? XXXX sold them the debt, XXXX needs to give them their money back so they can take it off my report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A 1000 dollar check was deposited into my checking account. I had call chase to cancel the check and not process the check but was not able to do anything about it and resulted in me paying double the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: TX

Complaint narrative:
Two accounts continue to report on credit report that are incorrect. XXXX XXXX and XXXX XXXX XXXX XXXX. They are not accurate, please see sent dispute letters.

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 2018-04-02 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Every month Wells Fargo started charging me XXXX  XXXX or more to have a free checking account. Ive been with XXXX and XXXX XXXX for over 20 years. I never agreed to begin getting charged for this. Did not authorize this charge or overdraft fees associated with this bank.

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 2018-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I purchased an auto From XXXX XXXX XXXX NC. The date was XX/XX/XXXX. My payments were around XXXX a month. The payment was the same but half the money WF claimed was for interest. Only half the payment went to the principle. I noticed that people kept calling from a local number in regards to the XX/XX/XXXX loan. The payment was in default without my knowledge from my ex-husband. He had my car in arrears due to a chronic behavior. When I finally was able to retrieve paperwork. It was in arrears almost three months. The car started spitting and sputtering and someone said to take it to the shop and another suggestion was the bank had a device on it to repossess. That said I knew this was not the case because I banked with Wells Fargo. During the early years the point of contact was always the same. Fast Forward to XX/XX/XXXX. The car spits and sputters me into the other lane while driving and I coasted it into a driveway. After an hour it starts, then I drove it to XXXX in XXXX NC. It got stuck in park and would not move.I called a wrecker and they took car to XXXX ( XXXX ). They kept refusing to talk to me and when they did they said they couldn't find the problem. I called Wells Fargo and this is when they said the car was three months behind. I paid it and all of the sudden, XXXX Calls and the car is fixed. They still don't know what is wrong with the car. I went to pick it up and they had a used car sale sign on it ready for the sale. They denied. I drove car home and my father helped me catch up insurance and payments from that time till XX/XX/XXXX. At this time I was in XXXX Georgia with a job interview and preparing for work. I was stopped at the intersection by what appeared to be an alleged wreck.I deny the allegations. The car was taken possession at this point by XXXX insurance who claimed it was totaled before ever investigating. The XXXX representatives insisted it was my fault. He also questioned if I had other insurance. I denied. Why would I carry two insurances ' on a car? Its hard enough to pay for one carrier.  Theres more. Contact please

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 2018-04-02 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: TX

Complaint narrative:
Two collection accounts have just appeared on my credit report. They are from XXXX XXXX XXXX XXXX and XXXX XXXX. These should not be placed on my report! They are fraudulent! See old dispute letters!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/18, Capital One charged me an annual fee for the upcoming year so I requested my credit card to be downgraded on that very day, only moments after being charged the fee. They said that they can not issue a refund because I am not eligible for a waiver and the system does not allow refunds to be issued. I explained to them that Ive been a customer for several years and if the fee is for the upcoming year, then it is not right for me to be charged when I will not be using their services or benefits. In other words, what am I paying for? Capital One refused to refund the money and essentially took my money for nothing in return.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I received an invitation directly from Citibank to apply for a credit card. The incentive for applying for the card was XXXX XXXX XXXX frequent flyer miles if approved. I was approved for the card and proceeded to reach -- and far exceed -- the requisite dollar spend within the first 90 days of receiving the card. I called Citibank a month after having paid them more than {$4000.00} inquiring when the XXXX miles would post to my XXXX XXXX account. They informed me at that time that they were not going to give me the miles since I had a credit card open with their company within the past 24 months. At no point during the application process, after I was approved for the card, after receipt of the card, during the first 90 days of using the card and spending more than {$4000.00} did Citibank advise me that I was ineligible for the promotional offer. Citibank targeted my business and presented the offer to me. I did not need or want the card. When I made a complaint with their customer service, they offered to give me XXXX XXXX XXXX miles and said someone would call me within 24 hours. That was two weeks ago and I have heard nothing from them. I informed them that I would be filing a complaint with your agency and they still have refused to work with me or correct the situation. Thank you for any assistance you can provide.

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 non-monetary relief
Consumer complaint received 2018-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I just recently noticed that Bank of America has been charging my savings account {$5.00} every month as a maintenance fee. This account is a keep the change account, which charges my debit card extra money every purchase. Essentially they have been charging me extra money for years that I didnt need to spend, just to take {$5.00} of it every month. I was never told I had to keep a minimum of {$300.00} in my savings account, only in my checking. I have plenty of money in my checkings that I couldve transferred over if one time out the many times I went to to Bank of America over the years one person helping me couldve told me what was happening. I was never notified that these {$5.00} maintenance fees were happening. I have unknownly lost hundreds of dollars by Bank of Americas keep the change savings account. Really it should just be called give us your extra change.

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 2018-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I applied for an American Express XXXX card about a year ago, and there was a sign up bonus of XXXX points for spending certain amount. I met the spend requirement, but never received the bonus points. I reached out to Amex at least 5 times, and spoke to multiple managers. Over the phone I was given several different version of story, but all of them told me that I will get the points soon, and it was either computer system glitch that they will fix soon, or no thing to worry about, the points will be credited to my account in the next few weeks. That is why I wait and wait for months after months, but still no points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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 canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian - I unknowingly signed up for the credit report service for {$22.00} a month back inXX/XX/2017. When I saw that I have been charged in XX/XX/2017, I immediately called to cancel. Since then, my family and I I've been very busy with a cross-country move and new jobs, and did not notice that the billing continued. I'm now in a different time zone, and have been unable to connect me with customer service because the wait times when I am available are always 3 hours or more. I'm seeking restitution of {$50.00} to cover the expenses cost as well as the cancellation of my account effective immediately.

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 2018-04-02 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: Manhattan Beach Venture, LLC
State: WI

Complaint narrative:
2015 I set up a way to make low monthly payments to have my student loans paid off. I then joined the military and my time away temporarily delayed my payment process meaning I wasnt eligible to receive any student aid. I was told there was deferment options for military members but that didnt apply to me because my loan had gone into deferment.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts still continue to be listed on my credit report! They are bogus! XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are placing these items on my report and they are not valid! See attached dispute letters

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 2018-04-02 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 — Was not notified of investigation status or results
Company: LoanCare, LLC
State: FL

Complaint narrative:
I refinanced with my existing mortgage company, loancare/XXXX XXXX. While processing over to my new refinance rate, they reported I was not current on my mortgage and subsequently, my credit was affected. I have asked them to correct the error but they have not nor have they emailed or mailed a letter to me to let me know what they are doing to resolve. 

I have since switched to a new company but would like loan care to resolve their error on my credit report.

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 2018-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Last year as I was starting a new job, I was forced to sign up for automatic deposit. After giving my employer the account number and bank information, I thought I would be able to access my money on the date I was paid. 
Due to an error with the routing number, the funds were not made available to me. However, when calling to check what the issue was, I found that they had already accepted the funds but they just wouldnt make them available for me. So I couldnt ask my employer to send me my check again with the correct account because as far as my employer knows, I was already paid. 
Adding insult to injury, my account had just gone negative and I was charged an overdraft fee. This wouldnt have happened if they had moved the funds appropriately. 
To make matters worse, I was tossed around from department to department while calling chase about it until they closed on that Friday. 
I was not able to get my paycheck until that Tuesday at which point I had been harassed by the bank over the overdraft fee.

Company response to consumer: Closed with monetary relief