vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-02 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: NY

Complaint narrative:
I was offered a credit card promotion on my purchase, that if I make a purchase then I will pay back before XX/XX/2018 and I will not be charged any increase in percent interest. I was making regular monthly payments and additional payments toward my promotion. I spoke with many representatives before and they all told me that I can make payments towards my promotion on any day, I just have to mention that payment should be applied towards the promotion. I had no problems up until this month. I made my regular monthly payment and several days later, I called to my credit card and made an additional payment for the promotion. A couple of days later, I checked my balance on the promotion and it didn't change! I called them and asked what was going on and they said I should check it in a couple of days. I checked 2 days later and nothing had changed. I called again and now they tell me a different story : they applied my payment as a regular monthly payment for next month ( next month hasn't even started ). I spoke with the supervisor and she started to tell me that she can't apply my additional payment until I pay for next month as a regular payment. This is an outrage!

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 2018-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
Dear CFPB, We are paying our mortgage on time, Rushmore Loan Management Services keep on sending a letter at least twice a month about late and delinquent payment and we are getting these letters constantly. Also, we signed the loan modification in a hurry without professional review. The modification we received was three months predated. We believed that penalty and interest are excessive, can you please review our loan modification it will be highly appreciated. Thank you very much. 

Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/2018, I went to the XXXX, NC XXXX XXXX ATM, which charges no fees, to withdraw money. I used it twice, and was told by a gentleman that I needed to request a receipt, or the ATM wouldnt issue money. As always lately I request receipt from any ATM I use due to various issues with banks, and credit unions in the past. My second time using the ATM, I requested {$40.00}, but the machine gave me {$80.00}, so when I got home I checked my account online to find the withdrawal did take out {$80.00}, instead of {$40.00} I requested, but saw two fees totaling {$6.00}, for the ATM use by PNC Bank. Its federally illegal for banks, and credit unions to do this for an outside of network ATM to double charge, and in this case the ATM charges no fees, which means they have agreements with all banks, and credit unions to not charge fees! Please investigate this, along with my other complaints about XXXX XXXX, and PNC Bank back in XX/XX/XXXX-XX/XX/2018, because I only received {$60.00} back from XXXX XXXX for an old canceled account, and no money back from being overcharged for my service in XXXX, and in XX/XX/2018 my cellular phone was turned of, now both devices do not work at all, nor my old XXXX XXXX XXXX XXXX XXXX, in which under prepaid the customer owns the devices that are free, but XXXX XXXX states they have a right to turn of equipment if service isnt kept for six months. Also, PNC has charged me overdraft fees from these XXXX XXXX transactions, before their 5 day grace period starts for me to even be able to put monies in their bank to stop fees, even when I do I still get lied to, and charged, which messes up my banking, and monies on hand! PNC Bank owes customers for the early overdraft fees, and should be brought up on EEOC charges, because it makes the customers credit with Bank terrible, and for possible employment reasons PNC Bank uses this tactic to not hire! XX/XX/2018, I have a interview call from EEOC coming up, and please send this information to them, to be used in cases I previously filed with XXXX, FTC, CFPB, EEOC, OIG, OSC, and DOJ.gov, and include me on any court case proceedings? Thank you! From : Mr. XXXX. XXXX. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 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: CA

Complaint narrative:
I disputed a {$500.00} charge on my Chase credit card by XXXX XXXX ( XXXX XXXX of XXXX XXXX ), an attorney in XXXX XXXX, CA, for legal services she did not provide. I retained her on XX/XX/2017 to evict a tenant who was not paying rent. Chase dismissed my protest and upheld their decision upon appeal. 

Ms. XXXX alleges that she filed an eviction complaint with the court on my behalf but she would not provide me with a copy of the complaint, despite repeated requests, nor was the complaint reflected in the court 's online system. Accordingly, after giving her proper notice, I terminated our agreement on XX/XX/2017 and asked that she return the {$500.00} fee. She refused to do so. 

I filed a complaint with the State Bar of California ( attached ) and they ruled in my favor and issued a warning notice to Ms. XXXX. 

Chase refused to accept these facts and simply stated that Ms. XXXX did, in fact, file the eviction complaint and thus my dispute is not valid. 

Chase misses the point. Because Ms. XXXX was unwilling to provide a copy of the complaint, I terminated our agreement and thus lost valuable time in the eviction process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
I want to file a complaint against GC Services Limited Partnership, XXXX XXXX, XXXX, Tx. XXXX. For the past 6 years I have been attempting to arrange repatment of defaulted student loans. The company has harassed myself and my family members even though I have reached out on a regular basis to resolve my debt. My parents wound up paying them {$13000.00} to resolve all my debt and they took it and said it only applied to one loan and that I still owe 35000+ in debt. They have threatened to take 15 % of my pay even though I pay XXXX monthly directly to the Dept of Education. Over the years I have contacted the dept of education directly to complain and request that my loans be transferred to another company, and was informed this could not be done. I feel depressed when I hear that there is no resolution to get my loan out of default status no matter what I pay. They told me I could pay them directly the XXXX  dollars instead of paying the dept of education directly and I should have known there was a catch. Now they are sending me letters telling me I have to sign away my rights to fight any current or future garnishments in order to maintain my curreny agreement. This company has countless complaints online and has also been sued by the FTC. They are not providing fair services and make people feel completely worthless and hopeless. I want my loan transferred to a new company and I want my loan pulled out of default status so I can continue to pay monthly without future harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I have been trying since XX/XX/2018 to close my XXXX XXXX secured credit card with XXXX XXXX, I called them in early XXXX and was told I could credit not close the account over the phone. I sent a letter asking them to close my account and correct my payment history they sent me a letter back saying that my history was correct I then called them again and asked to close my account and was once again told I would need to submit it in writing. I sent another letter telling them I was in az because my daughter has XXXX  XXXX and I could not afford the card any more at this point I was not 30 days late but I did have a XXXX dollar late fee added to my balance. they still will close my account and now my balance has went from XXXX to to XXXX dollars and 60 days late.

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 2018-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate .My name is XXXX XXXX XXXX , please delete all other variations. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I am no longer affiliated with these addresses. I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I AM SELF EMPLOYED AS XXXX XXXX XXXX XXXX. 
DBA XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I've been receiving calls so many calls that I had to mute my phone to be able to work or sleep, that I decide to call back to explain that they have the wrong number. 
Ive reach costumer service 3 times and explained they have the wrong number ; In the last call I confirmed that I owned this number for almost 2 decades, I told them only my first name and what state I reside in, asked for them to remove my number from their call database and if it did not stop I would file a complaint. 
I blocked some of their numbers but the text messages started, now my phone is muted except for my emergency contacts, but I need to receive calls for work and personal live. 
The company is XXXX, their text number is XXXX costumer service XXXX Other numbers that might belong to them : 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 2018-09-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
hi visited site kept saying profile exists and to login When i use password recovery none of my emails are on file Part of nationwide dragnet XXXX XXXX on keeping me down I'M supposed to be super rich XXXX or XXXX XXXX  REACHED CIA and DEPT OF JUSTICE about this also civil rights

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX is where my social security checks go into an account. If I over draw ( which is only because they charge me a fee and daily fee ) my account, they know that no money comes into my account only by SSI so my money is gone and they constantly charge me a fee of {$39.00} per Overdraft and a {$6.00} fee per day till my SSI comes in. Once it does, XXXX XXXX takes out their money and leaves me with no funds because I owe them so much. To leave this account, Social Security needs at least 1 to 2 months to change my account to another account. I can not have my bank taking all of my money and I want it refunded asap. I have contacted them XX/XX/2018 so they have not contacted me yet

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 2018-09-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America chose to arbitrarily close all of my credit card accounts and is keeping the cash rewards that I rightfully earned. I received a letter at the end of XXXX advising me that all of my credit cards were closed due to high balances on other cards. I have never missed any payments on any of my cards ( whether with Bank of America or any other banks ... all of my credit card accounts are current and all payments have been made on time ). In fact typically pay the balances on my Bank of America cards in full with no missed payments so they have no reason to have closed my accounts. While I disagree with their decision to close my accounts, if they choose to do so, they need to pay out the cash rewards I have earned on these accounts. 

Further, they did not allow me a chance to redeem the rewards I have earned. I have called multiple times to try to get them to pay out, most recently on XX/XX/18, but they have refused. 

My rewards according to their website should be as follows : Card ending in XXXX = {$550.00} Card ending in XXXX = {$620.00} Card ending in XXXX = {$92.00} Total owed = {$1200.00} I will attach screenshots of my rewards balances on my 3 accounts taken from Bank of America 's own website on XX/XX/18.

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 2018-09-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have received a check ( ref # XXXX ) from Chase Bank in the Amount of {$3.00} in reference to a prepaid card I had an outstanding unpaid balance with the State of Tn Unemployment. 

My issue with Chase is now proven that this was a VERY VERY shady & crooked deal. The State of Tn made a seizure of IRS withholdings they were not entitled under the premise that I was not entitled to unemployment checks I received, I was unemployed and records show ... I received checks for every week I was unemployed. 

If I was not entitled to the $ $ why didn't they first seize this {$3.00}, secondly I now see how Chase was wrapped up in this corruption and ANOTHER example of the purpose the CFPB was created.. To combat the corrupt banking XXXX   consumers and leaving us helpless to defend and have equity.. 

I'm owed an outstanding $ 1700-ish plus compounding interest at whatever the rate is for a personal loan of that size!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello .Im filling this complaint concerning my credit bureaus particularly Transunion.I see they have too many inquiries in my credit reports, and some of them come from car dealership.When I called each of them to remove them because I dont buy any car yet only one car dealership I have visited it was XXXX XXXX in XXXX Georgia and I didnt want want them to pull up my credit because I didnt want the Downpayment they offer me.And after I have seen a couple car dealership inquiries in my credit report.I recognize a few of them only concerning XXXX  XXXX I have 1 account with them only, and I have applied officially one card with XXXX XXXX and one with XXXX and I have applied for a mortgage with XXXX XXXXXXXX XXXX XXXX.I see one inquirie from XXXX i dont recognize.Plus the worst thing I noticed that Transunion doesnt care its about the update of my credit score and report they never update it cause is not in their interest.I am just building my credit right now, How I can build my credit if this companies try to put their feet in my financial neck? I m young and managing my credit well.I want them they removed those inquiries and for Transunion update regularly my credit score and report .Thank you very much for your support.Best Regards

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 2018-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch
State: GA

Complaint narrative:
I have contacted this companies ( XXXX XXXX XXXX ) about these debts, they have fail to provide me with the : Original application or contract, Any and all statements allegedly related to this debts, Any and all signed receipts, and any and all cancelled checks, in accordance with the Fair debts collection practices acts section 1692G.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
My father attempted to clear a debt with a collection agency. They informed him that he could settle the debt for a specific amount. He received a letter stating that if wanted to resolve the issue all he would have to do would pay the settlement amount. The amount owed was {$1500.00} but to settle the debt. The only amount paid was {$460.00} but my father after paying was threatened that it would negatively effect his credit if he did not pay the full amount of the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Due to proven merging, or others with similar information or some entity deliberately creating a merging of information within the credit reporting agencies, I herein request that information be updated, deleted, and removed. 

Specifically in the listed name identification listed as XXXX XXXX XXXX, no lender or creditor specific to this consumer reports that name, but it is subject to the unfortunate merging process by merging what is XXXX XXXX XXXX, using the address of XXXX XXXX XXXX, XXXX, SC XXXX which isn't this consumer because his social security number is XXXX. and this consumer XXXX XXXX , the designated identification from the consumers issued social security card, and number which is XXXX. reporting the names creates a unintentional reporting of inaccurate information, and inaccurate inquiries. This information was gained from a collection call from XXXX XXXX credit card, which indicated that the persons or person utilized XXXX XXXX XXXX, XXXX, SC XXXX as their mailing address, while utilizing the above stated social security number, which isn't this consumer. 

Based upon the existence of these facts, and the consumer desire to prevent additional merging of information, and credit reporting, I hereby state that the removal of the following information, and placing it where it rightfully belong, will subjectively and permanently resolve the problem. 

Public Record : belongs to XXXX XXXX XXXX, XXXX, not XXXX XXXX XXXX. 
1. XXXX XXXX 2.US Bankruptcy proceeding XXXXdrd Additionally please remove address XXXX XXXX XXXX XXXX XXXX, SC XXXX and XXXX XXXX XXXX XXXX XXXX, SC XXXX, since it is apparent that the person or persons or entity using XXXX is using those addresses as well, and applying those addresses to this consumer creates the same likewise reporting, and merging.

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 2018-09-02 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: TX

Complaint narrative:
To say the least this is a very XXXX XXXX customer interactions with BOA ... over-and-over, I must exert countless man hours of my time to keep them from excessive nickle & diming of my acct..

NOW, another NSF charge ( Acct # XXXX ) that I called BOA and told them to stop the auto draft, but the person on the phone said they couldn't.. Another monthly charge in both accounts.. And from last complaint 2 weeks ago, there are.. as they admitted ... countless monthly maintenance fees that I'm being charged every month..

If these fees are to be recurring then I want the interest ( x10 repurposes ) of the money in my account that is reloaned and/or the benefits of the investments made with my deposited $ $?? I refuse to be charged when any $ $ in my account is making them money x10 or more..

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 2018-09-02 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: GA

Complaint narrative:
I have contacted this companies ( XXXX XXXX & XXXX XXXX XXXX ) about these debts, they have fail to provide me with the : Original application or contract, Any and all statements allegedly related to this debts, Any and all signed receipts, and any and all cancelled checks, in accordance with the debts collection practices acts section 1692G.

Company response to consumer: Closed with explanation