vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Had XXXX at the time

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 2019-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: NV

Complaint narrative:
When I check my account last month. I only owe {$74.00} balance negatives and I check this week. I check again its from {$74.00} to {$190.00}. Negatives they charged me another fee. Five day negative fee of {$30.00}. Then next they charged me 4 {$34.00} fee. The XXXX XXXX  and XXXX XXXX. I called both bank. XXXX said that I didnt owe them anything. No return check. Also XXXX  said that its was return fee. So did stop them from send check thought, I sign up to have check paid and debit card paid. They rather keep charging me fee. Rather just pay the one card. So would owe them over 4 fee. So that when ask can I closed the account. I was told no until the money is. This bank should be closed bank of fee.

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 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I got a deferred credit card ( synchrony luxury card ) last year. I have been making payment and about 15 days ago paid or at least I thought paid the remaining XXXX dollars. Today I look because I am ready to make a purchase using the credit card and realize I now have XXXX dollars. The supposed XXXX I never paid which I did. And then the XXXX accrued interest. There was a fault in the app and now I am stuck paying XXXX dollars extra. I have 100 percent on time payment with any credit card or Loan I have done. I do not miss payments.

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 2019-11-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LOBEL FINANCIAL CORPORATION
State: TX

Complaint narrative:
Lobel financial is reporting inaccurate information on my report my car was repossessed after two years of making payments and they are trying to charge interest on top of the repossession they refused to report the accurate amount so I'm asking for it to be taken off my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have been trying to get Well Fargo Auto to correct two thing on my credit. The most important one is the charge off on my credit report because the balance was paid in full. I brought my car in XXXX, I was paying late after got injury work lost my job and had to go XXXX, but I caught up on my car loan it was pay off in XXXX my original amount of car payment amount was approximately {$900.00}, which I paid as agreed. But I was wondering why I havent received my title in XXXX. So Well Fargo Dealer Service said I still XXXX in Interest which I didnt know until i got a letter in the mail state that my account was sent to a Collection Agency called XXXX XXXX  XXXX .So I agreed to the Collection agency {$100.00} month and the fifth payment was to take the remaining balance, which was approximately for {$180.00}, they took out electronically for five months. I received my title XXXX, It even states on report my credit record that loan was paid in full. I was shopping for car a in XXXX at XXXX ran my credit and we saw that it said was paid in full/charge off. So the dealer and I called Well Fargo about issue and told me and dealer that my loan was paid in full and that they will fix the problem, remove It from my credit and send me my title in 10 days and they did send my title. So when I went to XXXX XXXX and traded in my car, with the title in hand. it still pop up again on my credit. So XXXX call them and ask how do u have this car as a paid in full/charge off and she has her title Theres is no way if her car loan was charge off she wouldnt have her title. He told them Im trying get her in a new car, but banks are going to give her a hard time. They said they would fix then. Then we ask why are there two Well Fargo on her credit report one said pay in full the other said paid in full also, then charge off. Then  theres two loan that are different, but its the same information. Again they told me it would be corrected. On top that why hasnt the credit bureaus remove from my report and its 13 year old. I call and filed a dispute with all three Credit bureaus and they did nothing. I have called Well Fargo myself and they couldnt explain what happened. Then Wells Fargo said that the partial number showing on my credit report dont exist.

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 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
In XX/XX/XXXX, I had submitted a complaint to CFPB regarding Citibank 's failure to provide to me {$100.00} XXXX XXXX flight certificates for several years. I have received a response to case # XXXX from Ms. XXXX XXXX yesterday, and am not satisfied with Citi 's investigation into the matter. 

Citi 's response claims that the {$30000.00} spend requirement was not met for those account years. I tried to verify this data by exporting my transactions from the Citi website, which only allowed me to do so from XXXX forward. I exported all my transactions for the time period of XX/XX/XXXX to XX/XX/XXXX, and noticed the comma-separated value spreadsheet excluded all transactions preceding XX/XX/XXXX XXXX see attachment ). The exclusion of those transactions would cause my annual spending to not meet the {$30000.00} threshold for the award. 

Fortunately, by using the services of an account aggregator, I was able export all of my transactions using that card as far back as XXXX. Using the definition of an account year as XXXX XXXX XXXX, I summed all the debits for each account year since XX/XX/XXXX and discounted all the credits ( except for statement payments ) and for each one of them the {$30000.00} spending threshold for the award was met, which would have entitled me to the {$100.00} flight certificates ( see attachment ).

In an apparent effort to cover their bases, Citi stated in their response that " if the spend requirement would have been met, you would have needed to contact us within one year to request a replacement certificate. '' They did so without citing any rules. In the past, this benefit was automatically mailed to me. There was never a need to request a flight voucher and I believe this is a material change in the benefit that was not communicated to customers. 

The latter than states that " effective XX/XX/XXXX, the {$100.00} flight discount for {$20000.00} spent in the cardmembership year was added to existing accounts. This applied to any charges starting on XX/XX/XXXX, through your XX/XX/XXXX statement. The spend requirement was met during this time frame. '' Yet, I have not received any {$100.00} credit toward travel on XXXX XXXX, despite having spent over {$100.00} on airline tickets in the past year. They then cite my conversion of the card on XX/XX/XXXX XXXX XXXX full year after the XX/XX/XXXX deadline cited above ) as a reason to deny the benefit. It should come as no surprise to Citi that I would convert the card to one without an annual fee when the promised benefits are not being delivered. 

I am extremely concerned by Citi 's inability to correctly calculate my spending and unwillingness to rectify this 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 2019-11-08 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: DISCOVER BANK
State: ME

Complaint narrative:
Discover card is invalid I was on during marriage. Other spouse took full responsibility for debt in our signed divorce agreement. I called discover card 1 year ago and they were not helpful at all. They were informed by myself and ex spouse by law I should not be tied to ex spouse debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I applied for a Credit Card with SunTrust Bank on XX/XX/2019 and Them was sent a letter on XX/XX/2019 saying they could not approve my card because they could not verify my address on XXXX. 
I have lived at this address for over 5 years and my equifax has my address listed also. I have a provided a copy of my Drivers License. 

SunTrust never requested further documentation from me to provide any type of verification that just denied me. 
Now that I have provided verification I would like my application processed. I would like details on Suntrust process and procedures according to federal laws on how they review and process credit card applications. I hope I am not being discriminated against because of my address

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 2019-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
THERE IS A FRAUDULENT ACCOUNT IN MY NAME ORIGINAL CREDITOR - XXXX XXXX XXXX CURRENT CREDITOR - CREDIT COLLECTION SERVICES AMOUNT OF THE DEBT - {$120.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX, IM FORWARDING A SECOND ATTACHMENT TO THE PREVIOUSLY COMPLAINT ABOUT CARRINGTON MORTGAGE SERVICES , LLC ' AS I REVIEW MY INSURANCE PAYMENT TO XXXX XXXX, I FOUND THAT XXXX  GENERATE ME A CHECK FOR {$890.00}, BEFORE CARRINGTON MORT.TOOK OVER MY MORTGAGE, AND LIKE ALL WAY I THOUGHT THAT {$890.00} WAS FOR ME, BUT I FIND LATER THAT WAS MY ESCROW ACCOUNT THAT WAS FOR MY ESCROW THAT WAS FOR XXXX  XXXX XXXX AND THEN GIVING TO THE NEW OWNER OF MY MORTGAGE CARRINGTON MORTGAE SERVICES, LLC, THEIR WAS NOTHING NEFARIOUS ABOUT WHAT HAPPEN TO THAT {$890.00} CHECK, WHEN THE CHECK WAS SENT TO ME IT HAD NO STRINGS ATTACH. I WANT TO KNOW IF XXXX  XXXX XXXX SAY I DO NOT OLD THEM MONEY, AND XXXX XXXX DO NOT SAT I OLD THEM MONEY, WERE DID CARRINGTON MORTGAGE GET THIS {$2500.00} AND I OLD ONLY {$890.00} WERE DID THEY GET THIS FOOTBALL NUMBER FROM. COMPLALAINT ID XXXX THANK WHOMEVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: IL

Complaint narrative:
Capital One Bank allowed a business credit card to be fictitiously opened in my wifes name and then has ruled against me based on there investigation. Well first off I believe my idenity was stolen from this company and distributed on the dark web for many others to be seen. Capital One has no idea of how to protect customers from security violations committed on their credit cards. When I questioned the ruling it was like the XXXX was called to protect assets. Now they say on TV what we protect 100 % fraud and idenity theft. They rule against you with no say as to why, what happened, or NOTHING! They did waive some charges but in the end its not OUR account. They will not provide me a signed copy of the application agreement. They cant tell me why my account was hacked. This has also led me down a disaster credit emergency because all my financial accounts have been compromised. Its about time for the Government to rain down hard on Capital One. 30 % interest, high late fees, a mafia or dictatorship sense of responsibility to the fact they couldnt and dont have the capacity to keep others from hacking 100 million customers. They have admitted to one major failure of an ex employee but fail to address the consequences of all those affected. In my opinion capital one should be fined LARGE amounts of money by the US Government under the leadership of the President of the United States of America. Credit Card Companys while needed are failing to spend critical amounts of money ( to protect the elite bonuses at the top ) that hurt thousands upon millions of lives in the United States. My name is XXXX XXXX I live at XXXX XXXX XXXX in XXXX IL ( XXXX XXXX ) XXXX. Phone is XXXX. Please relay to them that they are the problem not their customers total BS!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I paid off the loan on XX/XX/XXXX. At that time I called the company and they had indicated that I had overpaid by {$94.00} and that I would get that balance in the form of a check within 30 days. 30 days passed and I received an email stating that my next payment was due on XX/XX/XXXX. I contacted them on XX/XX/XXXX and the representative I spoke with stated that the payment message was a mistake. On XX/XX/XXXX I tried to use my bank card and was denied because there was a pending ACH hold on my bank account from Net Credit. I will contact them again today when they open and ask them to erase my bank account information. Also, when i call they state that all calls are recorded for QC purposes. Also, I can not get a paper statement or a pay off notice from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
A refund from XXXX XXXX in the amount of {$170.00} has been sitting with visa and TCF bank for over a month, this has been confirmed by the XXXX  and the letter sent to them from XXXX XXXX ( SEE THE ATTACHED ) and as of today the original complaint to TCF Bank was made OVER 1 MONTH AGO. I was told the money is being put back into my account yet another 8 business days have gone by to no avail. The debit card used was closed out, TCF bank can see the money yet has not called or communicated with visa to tell them that the debit card was closed out and this is the account that the {$170.00} refund is supposed to go into, therefore for over 1 month the money has been sitting in limbo. I have talked with XXXX XXXX several times ; he has called the necessary department several times to no avail. the original case number is XXXX. TCF bank denied the refund on their part, ( which means they were not going to refund the money from the bank ) based on the above case number but XXXX XXXX decided to give me the refund and did so over a month ago, that is the money that is sitting in limbo because it was put back onto a closed-out debit card. TCF is not communicating with Visa to give them the correct account to put the money back into. TCF bank has done nothing to complete this transaction for several weeks now. I can not give that information to Visa, TCF Bank needs to, and needs to do this NOW AS MY MONEY IS STILL IN LIMBO AND HAS BEEN FOR OVER 1 MONTH!!! XXXX in CS TCF Management has confirmed that she can see the refund and does not know why this is not being taking care of by the TCF correct department. Had TCF done their job correctly and completely, they would have seen the refund and applied it accordingly instead of just leaving it in limbo, THIS IS NO LONGER ACCEPTABLE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a victim of identity theft and I have credit monitoring since this happened. I am noticing that there are a lot of companies pulling my credit and I have reported to all credit bureaus this matter. they are telling me they can't remove it for 2 years if I am telling you in a dispute that these aren't my credit inquires than you should be removing them.. I am in the process of buying a house and I can't have this happening and especially if no consent is given XXXX, Equifax and XXXX  are failing to remove these inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I visited the XXXX XXXX Hospital in XXXX, Pa. My visit was covered under insurance and paid for. However, I received a debt collections notice from Phoenix Financial Services located in XXXX, Indiana about a debt owed to XXXX XXXX XXXX XXXX XXXX, which is also located in XXXX, but does not have a real physical location and Ive never been to this place either. After reviewing their information online it is noted that XXXX XXXX XXXX XXXX XXXX, is currently using the same phone number as XXXX XXXX Hospital, but is using a different address. The only name linked with XXXX XXXX XXXX XXXX XXXX, is XXXX XXXX, who is not a physician at XXXX XXXX Hospital, nor a physician that I have ever seen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NELNET has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The school had closed and wasn't paid the Refund amount that was owed.

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 2019-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp
State: FL

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation