vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX Credit Card has been charging me interest on a purchase made in XX/XX/2018 but has never sent me a physical statement nor given me access to my online statement since they enrolled me in paperless billing. When I've tried to enroll online, to view my account, it does not allow me to do so. The reason given to me by the tech support group ( spoke to them on XX/XX/2018 starting at XXXX XXXX ) is because my account is a " classic account '' which was linked to an " XXXX XXXX account '' which was closed by me but they converted it to my current account so they cant link it!! That's absurd and, frankly, I have no idea what that means. But they have told me that it is impossible for me to access my account. Apparently, I've been paying the minimum amount every month since I have this account set up with my bank account with automatic payments. I've tried to reach a manager but each time they place me on hold for around 1/2 hour and then automatically disconnect the call. Now that I was made aware of the balance I've paid the bill in full ( as I do with every single one of my bills as my credit report will reflect ) but I think their actions amount to a violation of my consumer rights to be able to access the information pertaining to what I'm being charged for. If I'm enrolled in paperless billing, I should be able to access the information online - this is the most ridiculous situation I've ever encountered. I had no idea I had a balance - I'm sure it's something I'm responsible for however I have no way of verifying the information. And hanging up on me, not once but twice, is a disgraceful way of handling the situation. I'd like a response from their management as to how they intend to rectify the situation.

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 2018-11-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: FL

Complaint narrative:
on XX/XX/2018 I was approved for a loan in the amount of {$700.00} every other week {$210.00} came out on XX/XX/18 of our bank account, then XX/XX/18 another {$210.00} came out, XX/XX/18 {$210.00} came out, then XX/XX/18 {$210.00} came out again so that totals {$840.00} on a {$700.00} loan and it says we still have XXXX left, i am the only one working in our household we have XXXX children and we have lost 1 vehicle already & behind on our rent now 1 month thought this would help us a bit but just made it worse for us and these HIGH interest rates are killing me, We can't get help anywhere else we have maxed out our resources and credit isn't good my loan ref # XXXX, we have already suffered with automatic w/d from our account for first day loans resulted in an overdraft on our account PLEASE help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/18 I reported a fraudulent transaction made on my debit card in the amount of {$150.00}. A fraud report was made case # XXXX and I was told to destroy my card because it was blocked and could not be used and I did. 

On XX/XX/18 I received an email stating that a purchase was just made at a XXXX XXXX with my 5th 3rd debut card. I called 5th 3rd and the fraud department me informed me that my debit card had not been blocked and they could not see why it was not blocked in their system. If the card would have been blocked as they told me it was yesterday then I would not be dealing with another fraud incident. This situation is placing stress on me and my family as we have bills scheduled to draft and groceries to purchase which I can not do so now. 
I spoke with Supervisor XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX has violated several consumer protection laws. My employer received a garnishment letter from them and I have never received any communication from this company of any kind verbal or written. I have no idea who they really are if they are collecting on legitimate debt that I owe or if this is an error. Clear violation of FDCPA and CFPB for 3rd party company. I was Never given an attempt to validate the debt. And they have ordered my employer to withhold 15 % of my disposable income starting this week. I already have child support wage garnishments for half my income and cant afford to lose money to a company that I know for a debt that I dont even know for sure that I owe. Its deceptive and 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 2018-11-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2018 I called Capital One and spoke to XXXX ID # XXXX in regards of the late payment they put on my credit report for XXXX showing I was late. I have proof that I made a payment on the XX/XX/XXXX, 5 days before the actual due date which the XXXX of each month. XXXX stated that its reporting that way because of how their billing cycle are set up and from my previous late payment for XXXX and XXXX. Yes I was ate for XXXX and XXXX. However, I made my payment a few days later on XX/XX/2018 for {$730.00}. I have no control of how they run their billing cycles, but I do have control of my credit report. They are in violation of FRCA, and can only report valid information, nor can they penalize me for any previous late months. I have written the CEO twice and have proof of those letters also and contacted all 3 credit bureaus, and file complaint with XXXX. As I stated to them If this is not handled accordingly, the next step is to sue them for incorrect reporting. They can never give a valid reason to why they make their decisions and I am fed up at this point. I have witnessed many people who get these remarks removed which leaves them into discrimination. I have given them 30 days to respond. Its funny how the CEO can respond to these complaints but he has an executive team to handle his emails ... .. Below are several documents of my payments and evidence that they help who they want, and second letter to the CEO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GREAT LAKES
State: GA

Complaint narrative:
This was opened in XX/XX/XXXX. I want this deleted off my credit report immediately. Great Lakes sod this debt to the United States Department of Education. I paid this debt in FULL including all fees XX/XX/XXXX. As of today XX/XX/XXXX it is still showing on my credit report. In addition this shows as two separate negative items because Great Lakes is listed and US Department of Education. I have been denied new lines of credit more than 8 different times due to this false report. This is impacting my credit score negatively. It is not rising even though the debt was paid 19 months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My credit account with Bank of America was debited amount {$1800.00} toward my business credit card payment on XXXX I called Bank of America on XXXX and asked about this transaction. I was told that Bank has right to withdraw the money. 
I called again on next day to credit card specialist and received the same answer : '' Bank has a right to collect your debt from checking account. '' My concern is that I had never authorized this transaction and had never received any notice from Bank about this action. 
Now Bank put me in dangerous situation : I sent a few checks and I am afraid I may not have enough money to cover it.

Previously I was trying to negotiate with Bank of America my interest rate and  establish the fixed monthly payment. All my offers were denied. 
Please evaluate the situation and help me to solve this problem. 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 explanation
Consumer complaint received 2018-11-10 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: MO

Complaint narrative:
I want a reinvestigation into one of my disputes with the account XXXX XXXX. This item should not be on my credit report and would like another investigation to get it removed please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy : Voluntary XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX/XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, GA XXXX XXXX : XXXX, XXXX XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX Experian : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : XXXX 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 2018-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO

Complaint narrative:
I was contacted by a female associate from XXXX XXXX XXXX on XX/XX/XXXX. When I answered my phone she said that this is an attempt to collect a debt. The message was that I would be contacted at my residence or place of work if I did not pay now. The message ended with YOU HAVE BEEN NOTIFIED! I was very upset at that harassment talk, hung my phone up and called them back. They transferred me to a supposed Manager and he yelled at me at one point WHAT DID I NOT UNDERSTAND ABOUT THIS! This was during my conversation that I did not remember in XXXX this negligent account. I at that time asked if I could negotiate a settlement but that was adamantly declined. He asked if I worked full time and wanted to know how much I made and so on, and so on. He told me the amount was 900 and some dollars. I received an e-mail from him on XX/XX/2018 stating that I owed over 9100.00. I am very upset. I have his e-mail if needed by your office or anyone else who can help me. I am willing to negotiate but my card may have been compromised ... ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy : Voluntary CH-XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX  XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX  : XXXX Transunion : 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 2018-11-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy : Voluntary XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX/XXXX   Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX  : XXXX, GA XXXX Equifax : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX  : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
On XX/XX/2018 I filled out an online request on XXXX XXXX for a Home Equity Debt Consolidation Loan, and within minutes a Spokesman from Quicken Loans called me, and we started discussing a home equity cash out loan. He then connected me to a refinance loan so-called specialist who I immediately informed my situation to, and Asked him good and well ( CAN YOU HELP FOR SURE ) and I was given a yes indeed answer. I don't think he could tell I was XXXX-XXXX at that time, so I sent my personal info to him by email, and last years tax info as well and asked him to analyze before running my wife and mine Credit report as this was bery important to us as we had had some issues with a previous mortgage company and needed to know if there was a reason to go forward and therefore run our credit making a Hard Inquiry pull. He informed me that same evening that everything looked good, and he need credit report pulled to continue, now we were informed that all we needed was a XXXX credit score to qualify, and we exceeded that, so he said I will call back with interest rate and etc. to get paperwork started, but then he did call back and started that ... ... ..well we need to get credit a lil better so we may need some credit repair, this was a direct contrast Lie to what he told us, and I said we will not be doing no credit repair or pay for anything other than an Appraisal to be done, the not long after I said that, he called back telling us he can not do the Loan, even after telling us that everything was Good to Go with our initial qualification

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
none of the security questions to get my report were any of my accounts. through equifax, I always have this problem with this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SUNTRUST BANKS, INC.
State: OH

Complaint narrative:
In XX/XX/XXXX I signed a loan for a XXXX program in XX/XX/XXXX I was charged partially for a RN program. I signed and went to the school when it was XXXX XXXX XXXX. I was only able to retain the one loan sheet, for the fact I never agreed for a RN program. The loan was sold for XXXX. The amount has remained at XXXX since XX/XX/XXXX. There also appear to be duplicate charges for the XXXX program.

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 2018-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I would like it if I could submit the letter I typed in detail about the problem along with my statement from the bank. 

I deposited a check sent to me from my dad of $ XXXX gave me {$200.00} right away ( XX/XX/2018 ) and told me the funds would be available on XX/XX/2018. 

That didnt happen they keep telling me that the account is restricted yet they closed the atm card, sent me a letter telling me that too along with dont use any check that I still have for the account cancel any direct deposits or auto bill pay they wouldnt let online bill pay go throu yet a transaction for {$270.00} went through after the account was closed and they charge me {$260.00} for check fees after I sent the checks out not knowing what they were going to do. 

They still have my money and wont release them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: U.S. BANCORP
State: WI

Complaint narrative:
XX/XX/XXXX, I cashed out my deceased wife 's IRA. They said they would mail the check. I waited 8 weeks. No check. No call. Finally, my patience wearing thin, I called the bank. I heard a number of excuses ... " I think they lost it '' ... " They probably forgot you '' and the official line after a later call-back was " Some of the paperwork is illegible, so you have to come back in and re-sign some stuff ''. I did so on XX/XX/XXXX. And then waited some more. Two more weeks passed. No check. No call. I called back again and was told on yet another call-back that they " process these in the order they receive them, and sometimes they take time. But I'll put a rush on yours ''. I waited again yet another two weeks. Still no check. No call. I had been dealing with personal banker XXXX XXXX. Now I called YET again and spoke to Sales & Service Manager XXXX XXXX. I was told there had been a issue with the EIN number. I was assured that this would be resolved, " But it will take some time. '' I called AGAIN XX/XX/XXXX and requested that someone call me back with a status update. While on the phone, I was told they " transposed numbers on the documents, but that's been fixed, and we'll get you a timeline. '' No call-back. And of course, still no check. I've been waiting 12 weeks now ...

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 2018-11-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: YKS Acceptance, Inc.
State: CO

Complaint narrative:
XXXX 's XXXX XXXX, which is now XXXX, will not work with me in completing this lease agreement. Considering I have not had this vehicle in my possession the last few years .... 
I was the cosigner for a girlfriend who I am no longer with. This was her vehicle. She left the XXXX XXXX XXXX abandoned. She contacted me to get the vehicle. Knowing that I'm on the lease also knowing this could affect my credit, I stepped forward and tried to make multiple attempts with the company to resolve this matter. I continually get pushed around in different directions. They keep asking me to go in to redo the lease ( for purchase ) which makes no sense I feel that this lease is fraudulent due to different amounts shown, amounts not adding up correctly. Please help me. I feel that I am being ripped off by this company. THANK YOU FOR TAKING THE TIME TO LOOK INTO THIS. 

Date of purchase : XXXX XXXX XXXX XX/XX/XXXX Amount total of vehicle : {$15000.00} Hidden fees total : {$9200.00} Total amount I owe for this vehicle : {$24000.00} New Copy of paperwork recieved XX/XX/XXXX showing an amount of : {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My wallet was stolen, reported to police, arrest warrant was issued, my cards were reported as stolen, new cards have been issued ( not received yet ), a fraudulent charge ( pending ) appeared on my citi account for {$20.00}, This was reported to citi in timely manner ( Citi ref. # XXXX ) ... ..All of this occurred on XX/XX/XXXX ... .the fraudulent charge ; [ XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX  CA XXXX ] ... .was reported to the XXXX XXXX Police Department also RE ; report XXXX XXXX ... ..The charge went from pending to being charged to my account ... .The funds {$20.00} has NOT been restored to my account! The overseas representatives for Citi are TOTALLY incompetent ... Furthermore, Regulatory action needs to be taken against this bank!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation