vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-04 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I have the BestBuy credit card managed by Citi. I have had the card for almost 10 years now. I have never not paid the full amount every month. I used to pay it off every week, but they changed their stance several years ago so that 4 payments in a month was considered fraud and kept locking my account. Now I am being told that paying off the credit card every month for what I owe $ XXXX+ is also considered fraud and they have locked my account to prevent further fraud. I 'm told that I will not be allowed access to use my card for 8 days to protect me from the fraud I committed by paying my balance in full every month from the same account every month with realatively the same amount every month. In this instance I made a payment on XX/XX/XXXX, according to my bank Citigroup received payment on XX/XX/XXXX. I have called on XX/XX/XXXX & XXXX and they confirm that they do have the payment, but because I paid the full amount that I owed, from the same bank account I 've used for years, they have locked my account for 8 days as fraud precaution. I was out of town on a trip during this time frame and being locked out of my card without reason is extremely inconvenient. I 'm told that I should be happy that I am receiving this protection because somehow it protects me. I believe Citi is purposely restricting me because they only make money off my transactions and not from interest charges to me, which I believe is unfair.

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 2015-09-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I made XXXX payments on my account in XXXX month XXXX separate dates I go in to the store on Saturday XXXX located in XXXX I proceed to make a purchase and its declined. They declined my purchase because of non payment I made XXXX payments in XXXX month they failed to apply my XXXX payment to the month of XXXX and they charge me a late fee. I was stuck in the store for over XXXX hours and I had a wedding to attend that I missed becomes of this error that was made on account of Macy 's. I should have never been charged a fee then I was forced to make a XXXX payment just for the charge to go thru so in XXXX one month I made XXXX payments on an account that has never been late. I never use the card. I missed my brother wedding because customer service and the credit department where in capable of removing the block off my card. I was penalized for making an extra payment on my account keeping my account in good standing and paying on it early as a result of doing all that I was charged a late fee, my account was placed in internal collections, a block was placed on there as well as I was forced to make a XXXX payment in store so now my personal bank account was negative as well and I missed my brothers wedding because I was in Macy 's over XXXX hours trying to purchase a XXXX for the wedding. The service rep at the counter can vouch for the entire incident I was using the store phone as well as my phone and my wife phone to try to get thru to someone to unblock the card. Macy 's is horrible with posting payments correctly horrible customer service rude and condescending

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-16 00:00:00
Product: Consumer Loan — Personal line of credit
Issue: Managing the line of credit — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Earlier this year, I discovered the CitiFinancial was reporting an unpaid collection balance with their company for {$7100.00}. I contacted them to resolve the account, but they responded to me that the balance was transferred, and I did not have an outstanding balance with their company. I have forwarded a copy of the letter CitiFinancial sent to me stating that I did not owe them anything, but CitiFinancial will not allow XXXX XXXX XXXX to update this balance to report {$0.00} owed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I called the phone number to activate the card. It prompted me to enter a pin. I entered the pin. When it prompted me to confirm the pin, the line went quiet. The message said it was unable to activate the card. I called back and had the exact same experience. My phone had full bars for reception. Citi is making it very hard or impossible to activate their card. The activation phone number is XXXX. This is a prepaid debit card issued by Citi on behalf of 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 non-monetary relief
Consumer complaint received 2015-10-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Can not login to my Citi Bank Credit card account. I receive the following error Displayed on my PC screen ; An error occurred during a connection to online.citi.com. SSL received a record with an incorrect Message Authentication Code. ( Error code : ssl_error_bad_mac_read ) The page you are trying to view can not be shown because the authenticity of the received data could not be verified. 
Please contact the website owners to inform them of this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax on XXXX/XXXX/2016 provided a FICO score of XXXX to XXXX. The reason codes for the score were high balances and ratio of balances to credit limits. My balances at the time of the report were less than 5 % of my credit limit, I pay all my revolving off in full each month and have XXXX delinquencies. On XXXX/XXXX/2016 I pulled my credit report and paid {$7.00} for my credit score. Equifax reported a score of XXXX. There were XXXX discrepancies on my report, both addresses at which I never resided which were promptly removed. I have asked Equifax to explain the wide difference and they just say it can happen. How they will not explain. I want a factual discussion of why the XXXX scores differ line by line and why they say in their reason codes that I have high balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive been trying to build my credit for 7 months now. I 'm now XXXX XXXX XXXX and still a little naive to this kind of stuff. But, a couple of days ago I decided to check my credit score and saw that it said under " public records '' there was a balance of {$12000.00}. Now I 'm not sure if it means I have to pay that. But what I do know is that there 's a year that number corresponds with. The year is 2010, in 2010 I was XXXX XXXX XXXX. I think there 's a mistake because there 's no way that has anything to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capitaol One bank USA shows a 30 day late in XXXX 2014. I show two payments made in XXXX 2014. One on XXXX XXXX, and the other on XXXX 2014. Please advise. Thank you in advance for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I was speaking to a manager named " XXXX '' he was ok to talk to and when I called to speak with him to pay it off as it was a pay to delete the woman on the other end of the phone who was the " manager '' on duty she told me to go XXXX myself and other prophanity they do not pay to delete. I was promised over a recorded line they would delete this and it would not affect my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My dad passed away in a XXXX. He was the only one on the loan but had his wife and his daughter listed on the Deed. I 'm working on removing his name from the title so I can refinance the loan and take over with the help of my younger brothers but the lender is not talking to us and it looks like they are not taking our payments. I know that we do n't have to go to probate because there were more people on the Deed but according to the lender we need to go to probate to get an executive to represent my dad 's state. My dad was having financial difficulties because of his age and limited for employment. We are devastated for his loss and the loss of my brother within a year and on top of that struggling to keep his home for his wife and younger children. I already contacted a lawyer and I know we have to pay a lot of money to go to probate. According to CFPB rule we should n't be struggling with this situation but I just do n't know how to go from here. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
On XXXX/XXXX/2016, I mailed a cashier 's check in the amount of {$520.00} to Continental Finance to payoff the balance of a credit card account. Also, on XXXX/XXXX/2016, within the same correspondence, I requested that the issuer close my account and send verification that the account has been closed. This has yet to occur. 

On XXXX/XXXX/2016, I sent another letter to the credit card issuer requesting closure of my account, and as of XXXX/XXXX/2016 the account is still open. I do not understand why this bank refuses to close my account.

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 2016-04-24 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I was told the other day during a credit inquiry about a negative report from XXXX that I think is incorrect. I went directly to XXXX, but of course they want to charge me money. Instead I used XXXX and submitted my info. I selected that I wanted all three reports, but once I hit enter- I was automatically sent only to Equifax where I filed my dispute. When I tried to return to access the XXXX site, I had to completely start over with filling in my info at XXXX. THis time I specified that I only wanted to go to XXXX but once I reached the site and filled in my info AGAIN, they were having 'technical difficulties ' an were unable to process my request. Okay- so I went back to XXXX and this time I filled in my husband 's info so I could go back to Equifax and dispute the exact same incorrect info on his report. I selected only Equifax for a report, but once I got there, they said they were unable to fulfill the request and that he would have to download a form and mail in the request. I know they are trying to make it difficult so we 'll pay to get the exact same information that they are required to provide FOR FREE. 
Another way I know they are trying to make it difficult : When I did manage to file the ONE dispute with Equifax , they provided XXXX characters for comments about the dispute. First off XXXX characters is way too few and they DID N'T ALLOW SPACES! When I tried to hit submit I had an error message that said 'only use allowable characters XXXX,? -. ' I edited my comment to ensure I only used those characters ; SAME ERROR MESSAGE three times. I finally tried removing all spaces from the comment, but I ca n't imagine lots of people would be so determined. They WANT US TO FAIL! In no way did the error message advise me not to use the space bar when typing my comment, but it tripped an error anyway. Only when I removed all spaces would the disputed claim be allowed. 
It 's not about the money- I could go through the trouble of signing up and then cancelling a subscription service, but it 's the ABUSE of POWER that burns me up!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
There are a few transactions at issue, all of which I brought to the attention of Barclay 's XXXX month ago, on XXXX/XXXX/15, and about which I have repeatedly written them, without receiving a single substantive response or explanation for why these charges are on my card. 

First, on XXXX/XXXX/15, XXXX transactions appear on my account. XXXX of them, for ( - {$30.00} ) from XXXX, is correct. That was a merchant refund ( minus shipping costs ) for a {$35.00} purchase I made at XXXX on XXXX/XXXX/15. However, the XXXX transaction listed on my account on XXXX/XXXX/15, a POSITIVE charge of {$30.00} to XXXX, is incorrect. I never made any purchase for {$30.00} on XXXX/XXXX/15. 

Second, on XXXX/XXXX/15, XXXX transactions appear on my account. Again, XXXX of them, for ( - {$42.00} ) from XXXX, is correct. That was a merchant refund for a purchase made on XXXX/XXXX/15, for {$42.00}. However, there are XXXX further POSITIVE charges to XXXX listed on XXXX/XXXX/15 for {$42.00}. This is incorrect. I did not make XXXX purchases of {$42.00} on XXXX/XXXX/15. 

As I stated above, I have tried repeatedly to have this issue resolved. Barclay 's promised me a resolution within 7-10 business days. They did not keep that promise. They then promised to call me to resolve the issue. They did not keep that promise either. I have contacted XXXX and they confirmed that they issued the refunds for ( - {$30.00} ) and ( $ XXXX ), and that there should not be any additional purchase charges on my account related to these transactions ( except for temporary authorizations ). However, the XXXX charges at issue are not listed as temporary authorizations on my Barclay 's account. Rather, they are listed as completed purchases on my most recent monthly statement, for which Barclay 's has demanded payment by XXXX XXXX, 2015. 

To repeat : there are XXXX mistaken purchase transactions on my account, totaling {$110.00} XXXX {$30.00} + {$42.00} + {$42.00} XXXX for which Barclay 's is demanding payment. Barclay 's has failed to provide any substantive response to my dispute of these transactions, except to give me empty promises that they will contact me. I have, to this date, received no oral or written explanation or justification for these charges, despite raising the issue with them multiple times, starting on XXXX/XXXX/15. And finally, the merchant, XXXX, agrees with me that I do not owe the amounts charged. 

I thank you in advance for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-02 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a bank account with Wells Fargo that I opened in Washington XXXX in XX/XX/XXXX. I have been more or less employed since then. I was working in XX/XX/XXXX and have not worked for the past three months. I ran into problems when my Washington State Unemployment ran out and I had to apply from XXXX. They made me wait three weeks for my {$270.00}. I ran into issues with Wells Fargo and overdraft fees when I discovered they would process payments ( ie from Pay Pal ) usually recurring payments when I did not have money in my account. I asked them several times to not pay out money I do n't have and do n't charge me for overdraft fees. They ignored me. Then I would argue with them. Then Wells Fargo decided they were not going to refund any more overdraft charges. Currently I am overdrawn with Wells Fargo for {$500.00} of which almost the entire amount is overdraft fees of {$35.00}. My initial arguement with them started when I asked them to make sure my water bill got paid, and what do you know they did n't pay the amount out and then I got hit with {$35.00} of overdraft fees plus {$30.00} from the water and sewer department. All without a single human hand touching the transaction. I have called Wells Fargo several times until I just lost it and told them XXXX themselves. Now I am on a permanent blacklist. I am so sick and tired of the blame the victims mentality which translates into bullying. {$500.00} from XXXX XXXX is nothing, {$500.00} on {$270.00} unemployment is astronomical. I have been offered a job but I have no idea when that will start so I am pretty much living on payday loans which needs to be another complaint. Its ridiculous to have to pay {$35.00} overdraft fee when this is all processed by computers. If there is anything XXXX XXXX XXXX XXXX has shown, it cost fractions of a cent to process anything by computer. I admit I should not have lost it with Wells Fargo but it was supremely satisfying to tell them off. And in a civilized country I should be able to yell at Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: GU

Complaint narrative:
I took out a {$11000.00} student loan through XXXX in XXXX and it went into deferment because of school. I then joined the XXXX in XXXX. XXXX kept my loan in deferment without contacting me ... I was no longer in school so my loan should n't have been kept in deferment. I consolidated my student loans right before I joined the military and I had thought the XXXX loan was consolidated with the others. 
I did n't find out until I went to buy a house XXXX XXXX that I had this " student loan '' that had been just sitting in deferment for years! 
I contacted XXXX and asked why it was in deferment for another 5 years and why they did n't contact me and WHO approved this. I asked for any supporting documents stating that I put this loan in deferment ( knowing it was n't due to school because I had already graduated! XXXX XXXX could n't give me any reason as to why my student loan stayed an extra 5 years in deferment and why I was never contacted with any information during the 5 years! 
My loan went from {$11000.00} to owing {$19000.00}. 
XXXX then quickly transferred my student loan to American Education Services and I have yet to figure out why my student loan nearly doubled. 
Please help! I am currently paying on my student loan monthly and currently owe {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: ARVEST BANK GROUP, INC.
State: FL

Complaint narrative:
Dear Sirs and Madam I have made several complaints regarding Arvest Bank1 ) Case # XXXX ) Case # XXXXWich they where dismissed with LIES stating that did not have Authorization forms. At that time I called you CFPB and you asked me to repeat the process and start again. At that time I filed another XXXX complaints1 ) XXXXStating the same thing as the first XXXX as listed above. Then filed the second one2 ) XXXX wich at that time I proved to CFPB in reference the Authorization forms and how many my attorney XXXX XXXX had send them wich I foward you all XXXX of them. 
It leaves no choice but to prove to you once again that this company cares nothing about governing them self proper ethics and continue to break Federal laws. Due to financial issues I had to file Bankruptcy wich was filed on XXXX XXXX, 2015. Once again Arvest Bank and their hired guns violated my Federal Laws by contacting me by hiring XXXX XXXX XXXX wich at that time they contacted XXXX XXXX my attorney handling my case # XXXX XX/XX/2015 please see attached email. Then on XX/XX/2015 they send a private adjuster XXXX XXXX from XXXX XXXX company to question me at XXXX XXXX office at this time WITH OUT AUTHORIZATION FORMS. XXXX XXXX after questioned me like I was the one doing wrong then continued to follow me home and entering my home and taking pictures of property area interior. Under Federal Bankrupcy laws that was unlawful for them to do I found out they could n't do what they did so I contacted them and confronted them with it. They try to cover there tracks and go behind my back and got an authorization form from XXXX XXXX wich was dated XX/XX/2015 after being question by XXXX XXXX. This company comes to show that do not care about the Federal laws like they are above them. I do n't know how many times this has to happen before a Federal government agency that could stop this ABUSE. I 'm at your mercy my attorney says I have to do this but until when is enough how long is the Federal Government allow this to happen. To further add to injury in Arvest Bank is refusing to make payments to the General Contractor on money 's paid by insurance claim as stated on Case # XXXX and # XXXX making it harder for me to do a home modification because the General Contractor is putting a lien on the house for nonpayment from Arvest Bank as I was told by my attorney XXXX XXXX. I do n't know what else to do I 'm waiting on your response so I can continue foward legally. I 'm at your mercy.

Company response to consumer: Closed with explanation