vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: MD

Complaint narrative:
In XXXX of XXXX ( date appears to be XX/XX/XXXX ), my principal balance was increased by {$1700.00} without any notice or explanation. 

I immediately contacted FedLoans ( of PHEAA ) to ask about the reasoning. They were not able to tell me why. After speaking with a supervisor, he told me that because I had switched the due date on my payments from the XXXX to the XXXX of the month ( i.e. paying earlier ), it had technically recalculated my due amount, and that had triggered interest capitalization. I asked them to undo this because I had not missed any payments. In fact, I had been making extra payments and had asked for an earlier due date than previous. They said nothing could be done. 

I filed a report with the Office of Consumer Advocacy from PHEAA. I had been working with a representative who also had difficulty understanding the increase in my balance. According to her, there should not have been a capitalization. She said that she would contact the Dept of Treasury. My last contact with her was on XX/XX/XXXX and the office has no longer responded to my emails or calls since. 

I am attaching my last correspondence with the PHEAA Office of Consumer Advocacy in XX/XX/XXXX, and the two bills that show the difference in the principal amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Original Creditor XXXX  XXXX removed lates in XX/XX/XXXX, and sent notice to all 3 credit bureaus. Credit report agencies have not remove lates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I disputed this matters but no response from Trans Union, XXXX  or 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 2020-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: PA

Complaint narrative:
Hi, I transferred t {$500.00} to my mother in XXXX, but after 20 days, her bank has not yet been able to locate the transaction. 
I attempted to contact Remitly via phone, chat and email relentlessly for over 10 days and was never able to receive a response. 
Please help me in getting this company to investigate why this transaction never reached the destination account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Your company check my credit without my consent to ... meaning improper use of my credit report and I have no account Cbna, XXXX XXXX, 2019 XXXX XXXX, XXXX XXXX 2019 XXXX XXXX, XXXX XXXX 2019 XXXX card, XXXX XXXX, 2019 XXXX XXXX XXXX, XX/XX/ 2019 2019

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 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Original Creditor XXXX XXXX removed lates in XX/XX/XXXX, and sent notice to all 3 credit bureaus. Credit report agencies have not remove lates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I disputed this matters but no response from XXXX XXXX, XXXX  or Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Original Creditor XXXX XXXX removed lates in XX/XX/XXXX, and sent notice to all 3 credit bureaus. Credit report agencies have not remove lates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I disputed this matters but no response from XXXX XXXX, EXPERIAN or 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 2020-03-28 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: AL

Complaint narrative:
On XXXX XXXX-XXXX there were charges that took place on the account that I did not authorize. I didn't authorize, I wasn't present for, I don't know who it was, didn't authorize anyone else, nor did i benefit from any of those. This information was informed to the company once I noticed the charges. There was also no notifications sent while the charges were made sent to my phone nor email that I could have validated stating I was making the charges. I informed the company of that information as well. I also had a traumatic event that was going on at that time as well that was relayed to them. I didn't have the card in my possession. There is nothing that can be proven nor show I did because I absolutely didn't. If film is pulled, signatures from the merchants, etc will 100 % support and verify that. Also have people that can account for location and where I was at when it shows those charges occurred. Also discover states : All Discover Cardmembers are protected with our {$0.00} Fraud Liability Guarantee, which means you're never responsible for unauthorized purchases on your Discover card. They asked me if I could do a police report and informed them that I don't live there and that drive would be an inconvenience for me because of taking care of my sick mother  and also my XXXX year old daughter who I have custody of and am responsible for all her care and cost. Also that wouldn't feel comfortable with all that is going on doing that because I had been following things for months now. They informed me that everything would be ok and that charges are credited and wouldn't be responsible for charges and that I was 100 % covered. I went on with my day to day. Later I requested to cancel the card because the card didn't benefit me, there were no perks, always and issue with security measures and seems lack severely with defense. I stated that would like it canceled. I paid the balance I had on account and the account was closed. The account was closed on XXXX XXXX 2020. I recently received a letter stating that upon reviewing facts of case that was determined bo fraud occurred. That is so erroneous and completely inaccurate. I have FACTS behind me supporting I didn't use. I do not owe this balance and will not be paying. I also will contact an attorney if necessary and do all that will be needed. I think this is a retaliation tactic because I closed the account. I will contact media, XXXX, attorney 's, and any other source I need to so that this story can get out there and make this known and very public if this isn't corrected as soon as possible. There should be no balance and the account should be closed in good standing with no balance. I won't let them get over on me now or again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I found out they have been harassing a former roommate of mine trying to get my contact information. 
This is a person I lived with for one summer, over ten years ago, and I havent even talked to for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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:
A ) On XXXX, I submitted a complaint with CFPB about my credit file being mixed with someone else 's on Equifax 's computer generated authentication question system. 

B ) The CFPB send me, on XXXX, a reply that the case was closed because the company responded. 

C ) The company 's response neither addresses nor repaired the problem. Since the CFPB closed the case, I have no choice but to open this new case. 

D ) Rather than putting copious details here, please refer to Case # XXXX. 

E ) Very Brief Summary : When someone calls Equifax or tries to set up an account at My Social Security.gov XXXX and others ), a series of questions are presented by an automated system. The questions are meant to verify one 's identity by asking details about the person 's credit history. 
The company Equifax has me mixed with someone else on the computer phone system. 
The questions asked do not apply to me. ( Examples- 1 ) Previous Name. I have no previous name 2- Former Address The choices are for states in which I have never lived 3- Current Auto Lease Payment. I have never leased an auto & have no current leases of any kind. There are more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Your company check my credit without my consent to ... meaning improper use of my credit report and I have no account XXXX, XX/XX/2019 XXXX XXXX, XX/XX/2019 XXXX XXXX, XX/XX/2019 XXXX XXXX, XX/XX/2019 XXXX XXXX XXXX, XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Company check my credit without my consent which put hard inquiries on my credit I would like to get them removed it was improper use of my credit Jpmcb, XX/XX/2019 XXXX XXXX XXXX, XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am almost done with my home mortgage with Nationstar dba Mr. Cooper. My XXXX statement showed an outstanding balance of {$390.00} due XX/XX/XXXX. I immediately sent them a check for the full amount which they cashed XX/XX/20 ( plenty of time before the due date ). Shortly thereafter I received in the mail a check from Nationstar for {$390.00} with no explanation and continued to receive emails that my payment was due. I wrote them a letter on XX/XX/20, including their uncashed check and copies of my correspondence via their secure message center on their website, and my payment history showing their receipt of my payment. 
I have not received any response from Nationstar other than generic replies each time I send them correspondence that they've received it, will check into it and get back with me. 
Well today I received a XXXX statement due XX/XX/XXXX in the amount of {$2500.00} with a {$100.00} late fee. I am XXXX years old and feel they're trying to scam me. Please help. 
I've received emails that state they will charge {$19.00} for phone calls and the calls I've made to them have been very unhelpful as the operator was not knowledgeable and gave misinformation. 
I will attach both the XXXX and XXXX statements and the payment history from their website. 
Thank you, kindly,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: OH

Complaint narrative:
On XX/XX/XXXX a routine check of my credit score showed a drop of over 100 points ( above 800 to below 700 ). I checked my TransUnion credit report and there was a fraudulent account listed. 

The account was a XXXX XXXX account opened without my authorization on XX/XX/XXXX. 

I submitted a dispute to TransUnion on XX/XX/XXXX. I received the results on XX/XX/XXXX. Their findings were that this was a verified account. That is incorrect. I contacted XXXX. I have in my possession an email from XXXX stating that they " investigated your claim and determined that you're not responsible for any of the charges '' to my account. 

How can I get TransUnion to rightfully remove this fraudulent account from my credit report??? 

Thank you.

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 2020-03-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One credit card. 
I reported non shipment for the order I placed on XX/XX/2020. 
Initially the CC issued the credit, but then revoked it without explanation. 
The order was never shipped, the seller does not reply to my messages. The bank is in violation of the federal law that allows me not to pay for the order not received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: PA

Complaint narrative:
Company check my credit without my consent which put hard inquiries on my credit I would like to get them removed it was improper use of my credit XXXX, XX/XX/2019 XXXX XXXX XXXX, XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: VALLEY NATIONAL BANCORP
State: PA

Complaint narrative:
Company check my credit without my consent which put hard inquiries on my credit I would like to get them removed it was improper use of my credit XXXX, XX/XX/2019 Villy na bk, XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: F.H. Cann & Associates, Inc.
State: CA

Complaint narrative:
They took 3 years of Federal refund away from me. Would like my money back!! Even this year with all of Corono Virus going on. I have no job! They are crooks!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/2020, Wells Fargo stole {$380.00} from my 401K 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 2020-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, our city was declared a disaster area and my job was shut down for an undetermined amount of time but, for at least 2 weeks. I contacted Dovenmuehle and asked if they had any programs that would assist us during this time. They asked me to write out a hardship letter and scan and email it back to them. I attempted following up 2 times within a week an a half and the 3rd contact with a representative, I was told that they would have a decision for me the next day, but they didnt know how I would get that response. Two days later, I had not heard anything by phone or email so I attempted to call loss mitigation again. They have a recording stating they are not taking calls and the call is disconnected at the end of the message. They leave no option to leave a message. I attempted to email them and get no response and no automated email even telling me whether the email was received or not. Today XX/XX/XXXX, I checked my mail and receive a letter stating no decision, but telling me that because I asked for assistance options, they may have an appraisal done AT MY EXPENSE. I have always made my payments on time and I am current and up to date on my loan. I have no way to contact this company and I feel I am being taken advantage during a national pandemic. I want to know the decision on the forbearance and if they are not assisting me in anyway, then I want to know that they will not be ordering an appraisal that I would have to pay for. Charging me money during a time I am forced to be out of work and trying to make ends meet is predatory and disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Comerica
State: AK

Complaint narrative:
I am social security number XXXX receiving social security XXXX benefits under the United States of America social security administration since XX/XX/XXXX. 
The purpose of this complaint is report theft by Direct Express Payment Processing Services with advertising address of XXXX XXXX XXXX XXXX XXXX Texas XXXX in the months of XXXX to XXXX of year XXXX ( estimated {$1500.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I already filed one complaint with the CFPB ( COMPLAINT ID XXXX ) and will be adding this new complaint against the same group ( CITI BANK ) who sent this most recent letter adding more unethical practices and malicious behavior to the former complaint. Additionally, I be taking this to both LOCAL and NATIONAL news channels as CITI BANK has further made unethical and malicious practices against a customer during COVID-19 PANDEMIC who has a perfect payment history with them. Moreover, I am looking into things that I can do with my on staff attorney about any ambiguous clause CITI BANK may think they have where they can ask me to bring forth a payment that is roughly 60x ( YES 60X ) my minimum payment. I have NEVER had a PAST DUE amount with CITI BANK in 10+ years. 

Details : CITI BANK is demanding I make a {$12000.00} MINIMUM PAYMENT which is absolutely not a legal business practice or within my terms for a personal revolving credit line where my current balance is roughly {$18000.00}. My MINIMUM PAYMENT of {$510.00} in XXXX and was not only made in-full ON TIME but I actually paid {$1300.00} which is 3x what was required. 

CITI BANK is making unethical business practices during a STATE OF EMERGENCY and forced a credit line closure thereby withdrawing liquidity from the consumer market. CITI BANK forced debt collections and pre-mature Credit Card debt collections to customers who have 10 years+ of perfect payment history in addition to withdrawing liquidity to the market is absolutely tortuous and almost criminal considering they are being BAILED OUT yet again for not running a clean balance sheet. 

This is all in response to my {$13000.00} payment I placed a hod on when CITI BANK decided to tell me they were going to arbitrarily reduce my credit line once the payment was made. Again, pulling liquidity from the consumer market. I decided to revise my payment and pay {$1000.00} and they closed my account and are now demanding I pay them {$13000.00} as a minimum payment a month later. NOT LEGAL at all. 

They appear to be trying to use the clause in the XX/XX/2020 letter related to " past due '' amounts and new balances ( letter included in this complaint ) however, I was NEVER past due and in-fact overpaid and have always overpaid above minimum payments so their letter is arbitrary and a blatant threat to a customer.

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 2020-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I paid {$2300.00} through the Macys website to my store card account. This was the balance owed on the account. A day later I called in to customer service to verify that as a result of paying this amount I could close my account. The representative concluded that my balance was XXXX. I told the representative to close my account. At approximately XXXX XXXX  on XX/XX/XXXX I received a confirmation email that my balance was XXXX and my account was closed. Between XX/XX/XXXX to XX/XX/XXXX I started receiving about 5-6 calls daily from a number that came up on my phone as spam risk. After getting these call for a few days I answered one where the representative said they making a collection call for my Macys account, she said I owed {$41.00} of interest that accumulated since I closed my account before the end of the billing cycle. She also said I owed late charges because I hadnt paid the {$41.00} since they sent a statement. I told her was not mailed a statement as such I wasnt aware I owed anything as I closed account in XXXX. I told them they needed to cancel charges as illegal they refused and submit amount up credit bureau. I told them I would pay the {$41.00} but not the late charges. This was completed on XX/XX/XXXX and again I was told my account was XXXX and closed. On XX/XX/XXXX I received a statement that stated I owed {$2.00}. I think this is abuse as I have closed all my credit cards except 1 within the last 3 months and have never gotten a statement saying I owed them or a negative report on my credit reports

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