vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-24 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/2018 a company called XXXX XXXX charged my citicard {$490.00} for an appraisal. I withdrew the application for the loan by email on XX/XX/2018. they did the appraisal anyway 11 days later. I disputed it with citicard on XX/XX/2018 and they gave me a credit. On XX/XX/2018 I received a letter from citi stating that the charge was valid and asking for further information to prove my claim that it was not. I sent a copy of the email that cancelled the loan dated XX/XX/2018. Sometime after XX/XX/2018 the charge again appears on my statement with a date of XX/XX/2018. There has been no further communication from Citicard prior to this charge appearing again! I have not received this statement yet but saw it online. This is not a valid charge and I want it reversed immediately! Thank you for your assistance in this matter! Sincerely, 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 explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
It is time for me to recertify my Income Driven Repayment plan for my student loans. I submitted my request on XX/XX/2018 and I was told I would receive a follow up email a month ago, each day the due date keeps getting pushed back. Now I am supposed to receive email on XX/XX/2018. I haven't received an email. I've asked them what is going on, and haven't received a reply. 

Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
My company has checking accounts at Suntrust Bank. My online access was cutoff due to " incorrect password. '' I have a password manager program, so I know this is false. I called and spoke to someone in XXXX. I gave him the last four numbers of my company 's taxpayer ID number. He said it was the wrong number and the account was locked. I spoke to " XXXX '' his supervisor who said the same thing. My password did not change. Suntrust simply locked me out to force me to reset my password, then apparantly screwed up the paperwork they have on my company. It's now Saturday afternoon and all banks are closed, so I'm out of luck till Monday. 
Please figure out what's going on. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: American Payment Holdco, Inc.
State: DC

Complaint narrative:
I used the bill payment service offered by XXXX in XXXX to make payments to my credit card account at XXXX  ( the receipts and details for those transactions are below ). Later, XXXX issued a partial refund of one of those payments back to XXXX. XXXX received {$410.00} on XX/XX/XXXX from XXXX, with the ACH trade ID number of XXXX. The document enclosed shows that ACH transfer and includes the ACH trace ID number. I have contacted XXXX multiple times about this refund and they refuse to even investigate it without me providing the XXXX account number that this refund was processed to ; however, I do not know this number and I can not obtain it. XXXX will not provide the XXXX account number because I am not the owner of that account - XXXX is. XXXX can confirm the transaction for {$410.00} using the trace ID number, date, and amount that I provided, verify that transaction, and refund those amounts to me. They have not responded to multiple requests for this. 

Here are the original reference numbers for the payments I made to XXXX using XXXX  : reference number - XXXX XX/XX/XXXX - {$4900.00} reference number - XXXX XX/XX/XXXX - {$4900.00} I am also attaching my receipts for these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
applied for a 1 time loan inquiry for a new car loan with XXXX XXXX   XXXX in PA. I was told they would not be able to help me out ... .I continue to receive countless letters of credit being run on a consistent basis from them with different banks etc. I have called the dealership and the sales rep i worked with and have received no response back. The sales rep was XXXX this is his number XXXX ( XXXX ) XXXX. 

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 2018-11-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2018, I transferred {$2000.00} into a Simple XXXX account. I then transferred the money into their " Protected Goal '' product which earns a higher interest rate. After leaving the money until XX/XX/2018 I transferred an additional {$6500.00} to Simple XXXX. This time I was unable to transfer the deposit to their " Protected Goals '' product and I realized I was also unable to withdraw money from " Protected Goals ''. I have contacted support around 5 times from XX/XX/2018 to XX/XX/2018. I was never given any information about when this might be fixed. I was never given a means to close my account and return the money. I was never contacted by a manager as I was told I would be. To this point, I have not been given any update on how this might be resolved nor any means to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: DC

Complaint narrative:
I received notification from one of my credit monitoring services that I had a collection account add to my credit profile by CommonWealth Financial. I contacted them to ask why would they place a collection on my credit profile without contacting me to see if the debt belongs to me. The representative advised that they just purchased the debt and have not had a chance to mail anything to me. I asked him why would you place the collection on my credit profile without following the proper procedures as required by the XXXX and the act overseeing how collection agencies operate. He could not give me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MN

Complaint narrative:
I bought a car from XXXX XXXX on XX/XX/2019. I added a warranty to the purchase. I told them I wanted to finance with XXXX XXXX XXXX. They said they worked with them and I could refinance later. Their finance rate is 5.99 %. XXXX XXXX XXXX 's rate is 3.69 %. 
The next day I called and cancelled my warranties. There were two:1. ) Service contract for {$2300.00} and 2. ) Wheel and tire warranty {$990.00}. Total of {$3300.00}. 
Then I called XXXX XXXX XXXX to refinance and they said I needed to wait for my title. 
My title arrived in late XXXX So now I have waited nearly two months, while paying 5.99 % on {$3300.00} that I don't owe. 
I checked my balance owing to Toyota Financial and they had not credited my account for the warranty. I called the finance manager at  XXXX XXXX. I did not get a return phone call. I sent an email. No response. 
Several days later I got a notice in the mail saying that the {$2300.00} had been credited, but not the {$990.00}. They said it generally takes about 2 months to credit an account, So I still couldn't refinance. I called again. I wrote 3 emails. I was told it was taken care of. I called Toyota Financial. They had not received the request from XXXX XXXX. So now I need to wait another 2 months.They said I would see the credit at the END of my loan. They are trying to get me to finance {$3200.00} for 7 years at 5.99 % THAT I DON'T OWE. 
In the meantime, I am paying 5.99 % interest to Toyota on {$3300.00} that should have been credited. And I have a lock on a 3.69 % interest rate at XXXX XXXX XXXX that will expire soon. If I have to reapply to XXXX for a car loan, I will end up with the new and likely higher interest rate for 6 or 7 years because Toyota won't refund my money, something that should take fewer than 5 minutes to accomplish.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX, a payment of {$340.00} was automatically withdrawn from my checking account despite my withdrawal of authorization for automatic payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
It was reported to XXXX, XXXX & XXXX  in XX/XX/2017 by Wells Fargo Bank I was late on my XX/XX/2017 car payment of {$300.00}. This information is incorrect, I have never been late on my car payment. This account was paid in full by XXXX XXXX. 

General Manager, XXXX XXXX of XXXX XXXX has communicated with Wells Fargo Bank regarding this issue and resolved the matter. Please correct this information on all three reports and make me current showing no late payments. 

Please contact XXXX XXXX at XXXX XXXX at ( XXXX ) XXXX and Wells Fargo Bank at ( 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 2018-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
After being approved for modification and making the first two payments I  am being told I am in arrears and subject to forclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Had no problems when this was XXXX XXXX credit card once store went out of business ( XXXX  XXXX  ) took over the credit card nothing but problems since.I Pay my credit card off every month not everyone can do this so I warn people of this fraudulent practices by ( XXXX XXXX  ) made a purchase onXX/XX/18 got bill in mail due date was on XX/XX/18 I Mail all my bills out at least a week before due date .my payment was received onXX/XX/2018 got an email stating that it was paid on this due date XX/XX/2018!!!! when I got my next statement in mail on the week XX/XX/18 I had a late charge and finance charges because someone in their customer service department or billing department put XX/XX/2018 as the payment date so I called customer service on XX/XX/2018 and told the customer service the situation and I  stated that it was paid on the XXXX not the XXXX and it must be human error on the typing but customer service did not want to hear this went in one ear and out the other so they took off the late charge also at this time on phone I canceled my credit card with ( XXXX  XXXX. ) When I got next bill in the mail they left the finance charge on Bill statement for no reason but ( XXXX  XXXX ) human error mistake so ever since then my finance charge and late charges have been occurring and I have been getting harassing calls on my two phones 4 to 6 times a day for their mistake this could've been resolved back in XXXX so fair warning to anyone that deals with ( XXXX  XXXX ) corrupt and fraudulent charges maybe put on your bills

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
In XX/XX/2018 I was a victim of fraud, someone across the US was able to make multiple charges that equaled {$490.00}. Bank of America said they resolved the issue and closed the investigation. However, on XX/XX/XXXX, Bank of America decided to deduct {$280.00} out of my account throwing my account into the negative claiming they double credited me in XXXX for the fraud charges and they took the money because it was theres. I was never credited twice by them. XX/XX/XXXX my bank account was again hit with a fraud scam with the scammer deposited a fraudulent check into my account as well as accessing my account. Bank of America locked my account, which I had {$260.00} available in my account, threw my account to XXXX!!!! I have been calling and telling them I want this account closed because I was not being protected and they refused to close the account. XX/XX/XXXX at XXXX my account balance was XXXX, I called and told them to close the account and the woman told me she couldnt close my account because I had a deposit pending. I explained to her that the fraud department assured me that they took care of that fraud scam. She said there was nothing noted on my account about the fraudulent check!!! Right after I got of the phone with her I look at the account balance and it went from XXXX to - {$170.00} right after the call. Im tired of them stealing my money and not protecting my account. Ive spoke with numerous people and get no help and told its my fault!!

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 2018-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : XXXX Account Number : XXXX Date : XX/XX/2014 Amount :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Ive recently reached out to creditors and the credit bureaus about inquiries on my account that do not belong to me that need to be deleted from my TransUnion 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 2018-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: QuickClick Loans of Illinois, LLC
State: WI

Complaint narrative:
XXXX XXXX XXXX Told me they close my account out XX/XX/2018 and reported To the credit bureau that the account was closed paid and delete it still shows balance of XXXX And still reporting late damaging my credit score Called and spoke with the Vice President of the company he told me I owed XXXX and settled the account for less than and personally takes care of reporting to the credit bureau and he did so And he has paying customers to get to and hung up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Equifax// XXXX XXXX XXXX Told me they close my account out XX/XX/2018 and reported To the credit bureau that the account was closed paid and delete it still shows balance of XXXX And still reporting late damaging my credit score Called and spoke with the Vice President of the company he told me I owed XXXX and settled the account for less than and personally takes care of reporting to the credit bureau and he did so And he has paying customers to get to and hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: CO

Complaint narrative:
I buy a vehicle on XX/XX/2018, I payed on time my first payment but on XXXX was difficult for me make a payment, my mam has a XXXX I use the money for emergency. 

After having spoken 3 times with different people about my situation, I am receiving calls from particular numbers of Colorado demanding payment, these people have my personal information such as my name, phone, address, social security number but I have noticed that they are in Colorado and the calls do not come from California where the company is, ask why you call me after having explained my problem with 3 different people, the answer was that it is the system and they can not avoid it. It is a very strong psychological pressure to receive 3 to 5 calls every day. So far I have a phone list of people who call me around 45 calls from different Colorado phones. I worry because what happens to my privacy has been violated, I do not know these people to receive collection calls but after answering they identify that they work for Westlake Financial Services. I am responsible and I will cover the 2 payments XXXX and XXXX, but it is incredible that the day of XXXX XXXX they called me 4 times. The most anguishing thing for me is how easily this company shares the information without my authorization, they have not received anything in writing from my authorized share my privacy. I send documents of the contract for its revision. 
Thank you If you need I have a list the all phone call numbers, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: WI

Complaint narrative:
XXXX XXXX XXXX  Reported to the credit bureau Equifax that my account was closed and deleted from my credit report Equifax will not update credit report even after sinning documentation that it is paid and should be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Notice violations under the FCRA : The CRAs are repeatedly failing to identify their source within their responses to the prior disputes related to the incorrect public records listed on my credit report. 
The three Bureaus are not investigating and not providing the third party vendor. 

Rule Violated : A creditor fails to notify consumer when it supplies negative credit information to a CRA. The Credit Bureaus/CRAs have failed to identify the vendor or source of the two public records listed on my credit report : Pursuant to Federal Bankruptcy Court rules is the court does not supply the credit bureau ( s ) with any court records. 

XXXX  ( XX/XX/2018 ) does not list the VENDOR or SOURCE who provided the public records, as the address on the public record is Notice violations under the FCRA.

TransUnion ( XX/XX/2018 ) does not identify the VENDOR or SOURCE of the public record as the address on the public record is Notice violations under the FCRA. 
XXXX  ( XX/XX/2018 ) does not identify the VENDOR or SOURCE of the public record as the address on the public record is Notice violations under the FCRA.

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 2018-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX XXXX whats called on several different occasions to let them know they were reporting on my credit report Equifax account that I did not open it was fraudulently put on there they will not remove from

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: Byrider Franchising, LLC
State: WI

Complaint narrative:
Can't XXXX Was Notified that they are not reporting to XXXX four months ago and still not reporting and reporting the wrong payment on account

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation