vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal Credit Union charged me XXXX ( ~ {$15.00} X XXXX ) for a credit report that other mortgage originators provide at no cost.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I didnot open this card, I gave no one authorization to open this card it is FRAUDULANTLY issued and used.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I purchased a XXXX XXXX Induction Range in XXXX. Upon delivery, I discovered that the range top, the glass surface, is not flat, it is bowed in the center from front to back. Sears several weeks later brought a replacement range, but that replacement had the same issue & I refused it. I wrote XXXX letters to Sears : the first to the CEO, and received a reply simply saying " ... thanks for telling us of your problems ... '' but not addressing the issue ; the second, to Sears CITI Credit Card ( on which I charged the range, saying that I did n't think I should have to pay interest charges until the issue was resolved ). I received no response. I then called CITI Bank to discuss the issues - since they issued the Sears CITI Bank MasterCard. They said they could n't help, that I 'd have to talk to Sears. I told them Sears was worthless. The store manager said he 'd give me a financial discount ( I told him I did n't want that, I wanted a range that was properly built and did n't have warped top ). He promised to return phone calls after checking on things several times ; he never called. After XXXX letters and maybe XXXX phone calls, somebody FINALLY told me of a Sears problem resolution center which I contacted. on XXXX/XXXX/15, a technician looked at the range, my level on the top of the range and my pictures of pans, w/ several ounces of water running to the exterior sides of the pans, and he agreed that the range top was defective ; he said he 'd order a replacement top. On XXXX, somebody from Sears called me to tell me they had to change the replacement date schedule for the top. I NEVER was told there was a scheduled date for replacement ; during and after the technician 's visit, I was never given a date for service. I called CITI Card tonight, and they repeatedly told me that they could n't help me, that I had to call Sears. SEARS has been worthless in helping w/ this issue. CITI CARD Services issued this card, via Sears, but they are UNWILLING to stand behind it! I will NEVER do business with EITER, EVER AGAIN! I want them put out of business! I simply want a XXXX XXXX Induction Range with a flat surface ; this is what I expected, paid for and expected. If they can provide it, they must do so - immediately ; if they ca n't, then they must remove the defective product they sold me, cancel ALL charges related to it, provide me just compensation and move my previous electrical range back up from my basement to my kitchen, reconnect it and do so w/o damaging it. This - IS NOT COMPLICATED!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-03 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
i have told the credit bureaus many times this account is n't mines a provide proof that i took this money the account was originally reported in XXXX but now they updated it and it says XXXX this account should not be XXXX my report and removed now.they even did a civil judgement which i was n't aware of.

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 2015-04-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I applied a mortgage from Wells Forgo in XXXX 2015. It has been a painful two months until I finally got the approval, as they asked excessive documents. Most of them were either trivial or irrelevant, as I have a perfect risk profile, with XXXX FICO, an income more than XXXX times of the monthly mortgage payment, no other debt, and was willing to pay more than 30 % as down payment. I complained to the loan officer several times, and each time WF cameback to ask for more unnecessary documents. Those included : my paystubs from XXXX years ago, all my bank and investment account statements back from 6 months ago ( totally more than XXXX of them ), explanation on every {$1000.00} dollar transfer between my bank accounts, and most ridiculously, proof of residence for some place I lived more than 15 years ago. I have also been asked for my intention for every my credit bureau inquiry in the past year. Overall, it seemed that they were conducting a criminal investigation instead of underwriting a loan. However, it became evident that they never looked at all the documents, as they had asked for some of them repeatedly, sometimes XXXX times during the process. 

Overall I have submitted more than XXXX pieces of documents and it cost me dozens of hours to prepare them. I am relatively financial savvy and very careful about documentation, and even so, the process took almost XXXX months and we nearly missed the closing date. During the XXXX months I have repeatedly asked to talk to the underwriter for her rationale to ask for so much documentation, but never got a response other than more requests. 

In my opinion, whether intentional from Wells Fargo or not, this cumbersome underwriting process has created a barrier for applicants with good risk profile to qualify for mortgages. It will be up to CPFB to decide, whether this practice is across the board, or only targets minority customers like myself. 

I have filed a complaint directly with Wells Fargo, but only received a plain vanilla response letter saying they have done nothing wrong. This was totally unsatisfactory and therefore I am filing this complaint to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.

Complaint narrative:
Citibank obtained my name, date of birth and address and pre approved an {$8000.00} ready credit card. I do not know where they got my personal details since this an am American Credit card company and I live in XXXX. They then kept offering me unsolicited credit card increases to the amount of {$25000.00} without checking my income or any verification. They then applied a credit rate XXXX times the amount of what the original rate was. I tried to cancel several times and they refused. They eventually lowered to rate to keep me as a customer. I have complained in XXXX but not much was done due to FOS being bias and on the bank side, they have reduced what is owing but they did target me because I was in my early XXXX 's.

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 2017-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I am currently in escrow to purchase a home. My lender ran my credit again as normal procedure and found a collection that was n't in my credit 30 days ago. I am going to lose {$10000.00} deposit if I cancel the escrow due to not being able to qualify because my credit score dropped from XXXX to XXXX because this collection that does not belong to me. Because i was desperate after talking with a collector from Southwest Credit and told him that the social security number that he mentioned trying to verify my identity was NOT my social security number. Again because I went desperate I called again and paid {$180.00} thru the phone automatic system. Payment Conf # XXXX. Later, taking with my landlord and neighbors I discovered that the previous tenant living at XXXX Ca XXXX, was also named XXXX. Again, This account is not mine,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX I received a statement from my Chase Slate credit card with a {$500.00} charge from Chase Home Lending. I did not authorize the fee be billed to my credit card and have been asking the customer service department at Chase Cardmember Service for proof that I authorized the charge be made to my credit card. 

As of the most recent correspondence from Chase Cardmember Service ( CCS ), dated XXXX XXXX, the company asserts that the charge is valid, but has failed to address the question regarding the unauthorized charge to my Chase Slate credit card. 

Here are the actions which have transpired thus far : 1. XXXX XXXX, XXXX - Called CCS to dispute the fee. 
2. Received notice in the mail that a temporary credit was issued to my account by CCS. 
3. XXXX XXXX, XXXX - received correspondence from CCS with documentation from Chase Home Lending with documentation demonstration the fee was for a home appraisal taken of my home. 
4. XXXX XXXX, XXXX, XXXX XXXX - left a message with XXXX XXXX XXXX, my assigned Customer Service Specialist regarding the charge. 
5. XXXX XXXX, XXXX - Faxed dispute form to CCS stating that I had not authorized the fee charged to my credit card, nor had I received an invoice or payment options from Chase Home Lending for the {$500.00} fee. 
6. XXXX XXXX, XXXX - Left a voice message on XXXX XXXX 's work asking him to confirm receipt of the fax. 
7. XXXX XXXX, XXXX - received a letter from XXXX XXXX at CCS asking us to take the matter up directly with Chase Home Lending as the charge would remain on our credit card. 
8. XXXX XXXX, XXXX - Faxed an XXXX page document with the history of this dispute to the attention of XXXX XXXX asking once again for documentation authorizing the charge to my Chase Slate credit card. 


For the record Chase Home Lending did not send us an invoice for the appraisal fee, nor notified us that the fee would be charged to one of our Chase credit cards. Contrary, XXXX XXXX XXXX XXXX, our lender at Chase Home Lending, informed me there would be no charge for the appraisal fee since I had paid for an appraisal fee in my previous attempt to re-finance my home with Chase. 

Furthermore, the Chase credit card that was charged has been inactive since XX/XX/XXXX, set aside strictly for emergencies. The last credit card mailed to me is still attached to its original paperwork, having never been activated. I received the statement in XX/XX/XXXX and have been disputing it every since. The account, which had a XXXX balance has now accumulated {$82.00} in late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
They are not licensed to collect in the state of MD. I will upload their information for proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have disputed XXXX bankruptcies are listed on my XXXX credit report. They both came back verified. I asked XXXX to re-investigate these accounts and per section 609 of the FCRA send me all the information from their investigation such as who they spoke with to verifty this information and on which date. I contacted the bankruptcy court and I have a letter from them stating that NOONE has every contacted them to verify this information so my question to them is how are they able to verify this and have it listed on my report. Another thing is the information that they have on my report in inaccurate and incomplete. I had to search for the correct mailing address because the address they have listed on my report in incorrect. I have a copy of the mail that was sent back to me returned to sender. How is this accurate and verified when the address they have listed is WRONG. Also, the information is incomplete. The claim amount is listed as {$0.00}. The Liability amount is listed as {$0.00}. How is this accurate and if a TRUE investigation was done it would be complete. I would like this incorrect and inaccurate account deleted from 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 2016-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: ND

Complaint narrative:
We are in the process of working with Citi on a modification. Back in XXXX we had a sale date. The third pArty that is helping us with this process had asked that the sale date be postponed. The processor with Citi stated they would not postpone the sale date because we had not submitted all the requested documents and we were not responding to the phone calls. They did have all the documents and there is a cease and dismiss order in place so they were to communicate through the third party. Which the processor stated as well there was no cease and dismiss. This was escalated within Citi they did postpone the sale date and did admit error. The other issue is on or around XXXX XXXX 2016 the denied us a modification. To this date we have not received the denial in writing stating our options. They have now set another sale dAte. By law we are to be given our options and make a decision within I believe 14 days before a forclosure process can begin

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 2016-08-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had opened a XXXX bank account back in XXXX using promo code XXXX. This promo code granted you XXXX thank you points after you make at least XXXX bill payment for two consecutive months within 60 days of opening your account. The bill payment has to be initiated from your online account at citi.com using their own bill payment system and it has to be an external bill. 

When i called citi to open the account i told the rep about my code, and he said it should not be a problem. He informed me it would be easier to fill out the application online. I did this, and submitted the code for the promo. Fast forward to XXXX, i have met the requirements, and confirmed with custer service chat rep ( see attached ) they inform me the points will post sometime in XXXX. I send a message to citi askign when my points will be deposited as it is now XXXX. They do an investigation, and tell me since i was not targeted for the offer i will not receive the points, even though a representative from their company told me i would. 

I have since been paying XXXX a month for this bank account, and they refuse to honor the promotion. I am seeking the XXXX Citi thank you points.

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 2016-04-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A time share scam took place and I was taken for a lot of money, I spoke with CITI and if you look up the charges and all the articles related to the charges which is easy to do using XXXX one can see these are fraud. I have been dealing with this situation for many years, my wife recently passed away and now I need to make financial moves and due to this I am unable to. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My name is XXXX XXXX. I took out federal and non-federal student loans during XXXX while attending the University XXXX XXXX XXXX. The loan was through Citibank with a total of approximately {$40000.00}. I have made all payments on time and typically paid more than the minimum payment because I was trying to repay back my loans faster. I was able to pay off all my loans by XX/XX/XXXX. It is now XX/XX/XXXX and I 'm trying to get a mortgage. My mortgage lender informs me that Citibank had filed a dispute on my student loan. I had never heard of this before and it was shocking since it 's been a couple of years since I had paid off my loans. I called Citibank and they said that the dispute was filed with the credit agencies because of how my last payment was redistributed. This did n't make any sense. You would think that paying off a student loan would have been a good thing ; not something to file a dispute over. They will be sending me a letter via snail mail which will take 5-7 days for me to receive stating that the dispute is closed and that my loans are all paid off. They can not send me an e-mail or fax to confirm this. They can not overnight me this letter. I 'm most likely not going to be able to meet my mortgage commitment due date because of this, since it is holding up my mortgage application process. I 'm filing a complaint because I was treated unfairly by Citibank and they are not willing to do all they can to help me address the repercussions of their mistake. I would like this to be published so that other consumers are warned and if they did have a student loan with Citibank, it does n't hurt to check if there is an open dispute against them. Especially for those who paid off their loans early and are asking Citibank to redistribute the additional payment towards principal instead of interest, since that is apparently why the dispute was opened in the first place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I got ripped off by CitiBank Credit Card Services. I scheduled a payment through their online services and the system did not process the payment. Since then XXXX broke loose and now they have ruined my decent credit and took me to a collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
The bank was requesting a net value of XXXX we had an offer for XXXX ( eventually they went up to XXXX ) The bank did another appraisal and did a net of XXXX which would probably be a XXXX sales price to cover all expenses. They refused the XXXX but today the house went foreclosure and sold for XXXX which makes no sense. I had difficulty with this bank before and they do not work the client and I just want to make you aware of this. They also changed the locks on the property while my client was still there and did n't even advise him.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Asset Management Systems Inc
State: CA

Complaint narrative:
I signed up with the .001 % loan rehabilitation program with Financial Asset Management System ( FAMS ) and XXXX for my student loans. When I started the program I was told that my credit report would be updated after XXXX payments of {$250.00} per month to reflect the new rehabilitation program. In addition, I was told by the FAMS representative that my credit report status would be changed to in repayment after 3 monthly payments of {$250.00} each month. Financial Asset Management Systems misrepresented and flagrantly lied about my credit report being updated. I have made 4 monthly payments of {$250.00} and my credit report has not been updated. When I have asked FAMS about my credit report not having updated as of yet, I am told that they are " working on it. '' I was lied to in regards to my credit report status changing. In addition, I have never received a statement balance as to where my payments have been applied to, collection costs, fees, and current interest rate on my loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This is a complaint about a change in the first date of delinquency from XXXX XXXX with XXXX credit Bureau. The original first date of delinquency was and is XXXX XXXX as shown on the excerpt from my XXXX credit file I will attach dated XXXX/XXXX/XXXX but on the second report dated XXXX/XXXX/XXXX the first date of delinquency has been changed to XXXX XXXX. It is the same account number and same account balance. These date have been deliberately changed so that this item does not drop of my 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