vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Sovereign Lending Group, Incorporated
State: TX

Complaint narrative:
I started at XXXX at 30 years 4.25 I am now at XXXX at 30 years 2.75 % XXXX dollar increase over a 2 months. 
Did I just XXXX myself? I thought it was something fishy about it. I really did not want to do it. Did i win or loose? 
We like we have been XXXX and humiliated? 
Lets be clear I DID it because I wanted to lower my house note. 
Please advise!!!!!!!!!!!!!!!!!!! 

XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 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: John C. Heath, Attorney at Law, PLLC
State: AK

Complaint narrative:
XXXX XXXX, a company that I have never been affiliated with has charged my checking/debit card {$99.00} for the periods of XXXX - XXXX. Totaling {$490.00} in fraudulent charges. I first contacted XXXX XXXX, who said I would have to deal with the business charging my account. I spoke with XXXX XXXX on four separate occasions, each time I was assured the matter was being taken care of, paperwork was being issued to my address, and the charges would stop. After months and hours on the phone with XXXX XXXX, I decided to reach out to my bank again ( XXXX XXXX ) to close my account to stop further charges. At this point the bank told me I had been misinformed and they would help me at this time. As of today, XXXX XXXX, 2017, the charges have been stopped and three of the five charges have been reimbursed. The additional two charges totaling {$190.00} were rejected for reimbursement due to the amount of time elapsed. However, I was within the 60 day limit from reporting the first charge both to my bank ( XXXX XXXX ) and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
I paid {$1200.00} on my credit card. it was not credited to the balance which did not change. as I enquired further, I learned wells fargo would still charge monthly interest on the {$1200.00} I paid for the full month. this is fraud. I discussed this with a banker at wells fargo on XXXX.17 as well as a person-by phone- from XXXX credit casrd

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 2017-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
This will be the third complaint through CFPB in regards to this issue. In my last two complaints ( the last being # XXXX ), I was expecting to hear a response relevant to my complaint, and I am still waiting for this. 

As my last two submissions, I attached the chat dialogue wherein I was assured by the online customer service representative that Citibank has been paid in full. If you would review the chat ( I will attach again ), you will see I was clearly informed this was so. I have received the letter Citibank speaks of where they informed me of the situation regarding the payment I attempted to make. This is not my issue. I do n't know how I can be any clearer. And I would like a response in that regard and not Citibank avoiding that issue a third time. 

To clarify, my issue is I was informed and assured the balance ( {$990.00} ) was paid off in full, and more specifically that Citibank has been paid, they received the amount and that no amount is owed. I am going by that information. And this account needs to be marked as I was informed, as paid, and to be closed as I do not wish to do business any longer with a bank that lies to its account-holders. I will not let this issue go until Citibank follows through on the information they gave to me.

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 2017-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
XXXX XXXX, 2017 I turned in my vehicle to XXXX because it was being bought back under the lemon law. I was issued cashiers check for {$45000.00}. 

I immediately went to union bank branch but it was already closed. So I used atm to deposit cashiers check at XXXX XXXX. 

Today on XXXX XXXX, I spoke to union bank and they informed me that a 10 days hold was placed on check, that no funds would be available until XXXX XXXX. 

I have to go to XXXX with my family tomorrow, as well as it is my birthday tomorrow. I have no vehicle now, had an appointment to get a new car today but obviously dont have the funds for it now. 

On the XXXX I have court and wont be able to go to that. Then on the XXXX I am going on vacation but wont be able to do that now either. 

How can union bank refuse to release any. Of my funds whatsoever, all they have released is {$200.00} dollars. My XXXX and birthday is about to be ruined.

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 2017-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Premier Student Loan Center
State: AZ

Complaint narrative:
I received a phone call on Monday, XXXX XXXX, 2017 at  around XXXX from a company called Premier student loan center claiming that they worked to help people deal with their student debt in which they call a forgiveness loan. They asked me if I owed more than XXXX dollars so I said yes. They asked for my name, address and name of the company where I am currently paying my student loans. They were able to pull up my information and said that I qualified for the maximum amount which would lower it from XXXX to XXXX. All I had to do was pay a fee of XXXX for 5 months for their services in which after I made the five payments I would only be paying XXXX dollars a month toward my loans. They asked me to provide my social security and card number for these payments. I was then charged for the first month which was the XXXX dollars. On Wednesday XXXX XXXX, I called the company where I have my student loans and told them about the call I received from Premier student loan center. Once I told them about the situation they told me that it was all a scam all loan forgiveness should be done within the same company free of charge and that they had not been contacted from any company by that name.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citibank account holder ( the XXXX ) passed way in XX/XX/XXXX. At the time of XXXX the XXXX was a citizen and resident of XXXX. The XXXX maintained 2 accounts ( the " Accounts '' ) with Citibank for the benefit of his cousin ( the Beneficiary ). The Beneficiary is a Citizen and Resident of XXXX. The executor and the beneficiary have been trying since XX/XX/XXXX to get balance and accounting information and closure for the Accounts.. Citibank has imposed shifting requirements on the closure of the Accounts. Citibank has refused to provide the information or close the Accounts. 

Chronology of Events is as follows : XX/XX/XXXX - Executor sends notice of Appointment as Executor of XXXX XXXX XXXX. 

XX/XX/XXXX - In response to Executor 's letter requesting accounting and closure of Accounts, Citbank instructs that a certified copy of a XXXX certificate and notarized letter of instruction from Beneficiary is first required in order to close the accounts. 

XX/XX/XXXX - Executor provides Citibank with among other things ( 1 ) a certified copy of XXXX  Certificate ; ( 2 ) a notarized letter of instruction from Beneficiary instructing Citibank to close the accounts and remit funds to the Executor. 

XX/XX/XXXX - In correspondence Citibank advises that all documents must be in English translation and must include attestation from U.S. Consulate, Embassy, or Apostille. For the first time, Citibank informs Beneficiary that a Federal Transfer Certificate ( FTC ) will need to be completed. Citbank provides a telephone number but no one calls back after messages are left. 

XX/XX/XXXX - Citibank is provided with English translation and certification with Apostille of the following : 1. XXXX certificate of XXXX, 2. Notarized letter of instruction from XXXX. An FTC was not completed for the following reasons : 1. FTC requires the disclosure of account balances being transferred. To date, Citibank has refused to provide this information, making completion of the certificate IMPOSSIBLE. 2. Funds held by XXXX for the benefit of Beneficiary were never property of XXXX 's estate, but belong to Beneficiary, XXXX. Completion of FTC is not required for property administered by an Executor.

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 2017-11-22 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: TX

Complaint narrative:
Good Evening, I have two fradulent inquiries on my Equifax credit report. I was told to report the issue to the XXXX who reported the XXXX inquiries on XXXX XXXX and XX/XX/XXXX. I followed the directives and the inquiries were removed from XXXX and XXXX within a month of reporting in XXXX. Equifax has failed to remove the two fradulent accounts and puts the blame on XXXX for not sending the electronic documentation stating the two accounts are fradulent. XXXX informed me that the first request was sent in XXXX and they could not send another until 90 days were up. I called XXXX and requested that they send the documentation to Equifax again and send me a letter stating the inquiries were fradulent. I recieved the letter via snail mail and called Equifax today, XX/XX/XXXX. I spoke with XXXX # XXXX and her manager XXXX # XXXX. XXXX told me they had not recieved anything from XXXX and I should call them again and ask them to send the document again. I told her I 've called them several times since XXXX and they say the documentation has been sent. She told me my only recourse is to obtain a police report for the fradulent inquiries. This is very frustrating seeing that my information was comprimised due to the Equifax breech and the fradulent inquiries are likely the result of the breech and the other two bureau 's have removed the inquiries months ago. Any assistance would be greatly appreciated. 

My confirmation numbers for these disputes with Equifax are # XXXX and # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I made a payment in the amount of {$580.00} which is 2 monthly payments. This was for the Monday Madness Offer. ( See Attached file ) According to the advertisement it states to may 2 PAYMENTS and CityLoan will make the # rd PAYMENT. These 3 payments, to my understanding, were for XXXX, XXXX, and XXXX. I was n't needed to make a payment until XX/XX/XXXX, again from how the Monday Madness Offer is written. In XXXX I did get calls from Cityloan, with a message of saying to call them. I answered a few times and no one was their and line went dead. I made a payment on XX/XX/XXXX that cleared on XX/XX/XXXX. But come Sunday XXXX XX/XX/XXXX there was a repo tow truck banging ringing door bell! Told me if I did not give them my key they would have to " POP '' the lock. 
Long story short, I could not talk to someone until Monday morning XX/XX/XXXX. Once I got ahold of XXXX XXXX she informed me that the " Monday Madness Offer '' was for " Principal Only '' it was not " 3 PAYMENTS ''. I was so frustrated. 
To get our car back, that was only 22 days late, was to first deposit {$400.00} for repossession fee, and {$290.00} for past due amount, into their XXXX XXXX account # XXXX. Then I had to go to my local police station and pay the {$15.00} fee to remove the repo order. Then thirdly we had to go to the repo yard and pay {$110.00} for 2 days of storage and their {$45.00} processing fee. 
It is now XX/XX/XXXX and I have yet to get an updated statement on our account. 
They do not have any online account access whatsoever. I have yet to receive any notices or statements showing past due, nor any notifications of the car being repossessed!! 
I was about to make a payment now, but decided to look up info on CityLoan online. As a result of what I found online about them, I am sending you this complaint. 
Please let me know what you can do and or what other steps I should take to make sure I do not get more fraudulent charges from this company and protect my wife 's car.

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 2017-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Today my wife received a call from this number - XXXX ext - XXXX regarding a credit card I had with XXXX. The company XXXX XXXX XXXX then proceeded to tell my wife about my personal and private business. The individual who called her XXXX, told her he was a debt collector and then proceeded to tell her why he was calling about a debt I have. I never authorized anyone to call her. I never gave her number to this place. So he not only obtained her number without permission, but also broke the law and gave out personal information regarding said debt which they were never authorized to do. I only found out because my wife came home and told me. Plus she also said this XXXX XXXX was very mean, could barely understand a word he said and was demanding, all this while she was at work and explained she was. So last time I checked they violated the FDCPA which is supposed to stop this kind of activity. Therefore why I am filing a complaint and want action taken on them. How they got her number and then proceeded to give out my personal information just broke two laws last time I checked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22 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: GA

Complaint narrative:
Capital One Bank is operating a fake dispute resolution department where they only pretend to investigate credit card fraud on their customers and arbitrarily take the side of the fraud perpetrators apparently in order to save costs for themselves that would be required to fully investigate the fraud. 

In XXXX, 2017, a moving company in XXXX called XXXX XXXX XXXX XXXX fraudulent overcharged me by use of my Capital One Spark Business Visa for approximately {$2800.00}, and also damaged thousands of dollars of my property in the move. 

I reported this fraud to Capital One, but Capital One summarily and arbitrarily sided with XXXX XXXX XXXX XXXX and failed and refused to fully investigate the facts of the fraud. Instead, Capital One sent form letters to me about the dispute, which letters when read carefully demonstrate that Capital One did NOT fully investigate the fraud. 

Capital One charged my account for the fraudulent amount and then charged me interest and late fees and has made derogatory reports about me to all of the credit reporting agencies. 

If I had the resources to do so, I would bring a federal class action lawsuit against Capital One, but I am retired and am not in a position to do that. Our government should put a stop to this massive fraud by Capital One Bank on all of their customers throughout the country. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I live and work in XXXX and I hold an Iranian passport. 
My Coinbase account has been block after I tried to verify my identity with my Iranian passport on XX/XX/XXXX. 
Before, I 've verified my Identity on Coinbase with my XXXX driver 's licence and my bank account and then started trading with no problem. After few days I was asked to provide one more government issued ID to double verify my identity. so I submitted my Passport. 
As the result, my account has been blocked, claiming I tried to log in from XXXX! The moment this happened I was in XXXX, XXXX enjoying my holidays. Which proves the excuse for blocking my account to be an absolute false claim. 
Since then I have no access to account nor my money. In total XXXX Euros and about XXXX Bitcoin I 've emailed 5 times, called customer support 3 times and I 've got no response at all. I even submitted the following documents as the evidences of my residency in XXXX on XX/XX/XXXX. 

- my Driver 's licence - my work/residence permit - Residence registration certificate issued by city hall in XXXX, XXXX - electricity bill - Heating bill - my Credit Card statement below is the message I received every time I try to login to my account : " Our records indicate that you have attempted to log in to your Coinbase account from a country in which Coinbase is prohibited by law from doing business ( XXXX ( XXXX XXXX of ) ) per the sanctions imposed by the U.S. Treasury Departments Office of Foreign Assets Control or other governing bodies. As a result, your account has been restricted. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I requested a Bill Payment from the Wells Fargo Online Bill Pay service to pay a property tax payment with the county. A payment of {$5200.00} was due on XX/XX/XXXX. I scheduled a payment on XX/XX/XXXX for that amount. The county treasurer requires the payment be " postmarked '' by the due date. 

The check was received by the county on XX/XX/XXXX without any mark on the envelope to indicate when it was ordered, issued or mailed ( due to the nature of the bulk mail. Because of this I was charged {$520.00} as a " late fee '' despite having ordered my payment and had it in the post for delivery on XX/XX/XXXX. The county was unwilling to waive this fee due to `` county law '' requiring a  physical postmark. 

When I complained to Wells Fargo that there was no indication, notification or warning about the lack of postmarks on bills mailed through their " Bill Pay '' service, they refused to compensate me in any way or recognize the lack of adequate disclosure in their service. When I asked where this information was conferred to the customer, they referenced their Online Access agreement, which was no less than 7 clicks away ( outside of the BillPay application itself, listed under " Customer Support '', not under the Privacy/Security/Legal link on the bottom of the page ). Deep within another subsection and heading, finally in the bowels of hundreds of pages of fine print, there is an obscure reference to the reliability of postmarks amongst XXXX clauses to help XXXX the consumer over in multiple different exception scenarios. 

No normal human would ever find this information in the normal flow of paying a bill, let alone in the process of opening an account. No notification was given, no guaranteed delivery date offered, and after multiple conversations with the bank and the county office, it became evident that the county office was receiving payments in a single envelope that had been issued across multiple days of customer requests in the Bill Pay system ( the result of a bulk mail vendor relationship the bank uses to cut costs ). 

This is completely unacceptable. Human readable, discoverable and relevant information needs to be provided to a consumer when they are accessing services designed to " pay bills '' the same as when they are borrowing money. In reading through the agreement it is evident that the fine print is intended to completely absolve the bank of any liability for actually paying bills, and rather to allow for every possible exception to the expectation that they actually reliably deliver the service they advertise. 

I want my {$520.00} back.

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