vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: MD

Complaint narrative:
I submitted this complaint back in XX/XX/XXXXand never heard anything from CFPB. I even called on several occasions. 

In XX/XX/XXXX a Sears representative came to my house to do a presentation to install ( 6 ) windows ( 1 ) entry door and ( 1 ) patio door. The presentation went well and all the paperwork prepared and my credit was ran through their ( Sears ) credit company. Everything went through and I was told my monthly payments would be extended out to avoid hardship and the monthly payments would be some where around {$140.00}. The first bill came in at {$3900.00} no interest charged ; which was explained at the time of purchase ( XX/XX/XXXX ). Mine you the contract to purchase the windows and doors were {$13000.00}. The first payment paid was {$80.00} on the {$3900.00} which should have been applied to the first invoice. All payments are paid at the Sears store in XXXX, MD. The second payment made was {$280.00} and the third payment was {$270.00}. It 's a mess.The XX/XX/XXXX invoice came in with a payment due of {$370.00}. Without my knowledge Sears ran my credit a second time through Citibank. I was never told the first pull was unsuccessful. I was billed for two separate purchases when only one purchase was made. I tried talking to Sears and Citibank as I was willing to pay the {$270.00} a month but they did not want to hear that or negotiate a lesser payment. Citibank wanted their {$370.00} monthly payment. I called Sears and was told since Citibank had paid the purchase amount in full Sears had nothing more to do with it. They washed their hands of the situation. I think Sears goal is to reel in their consumers through their promotions, run the consumers credit through their credit company and even if the consumer is approved through their credit company Sears still will run the consumers credit through Citibank just to collect their payment in full. Sounds like a scam in a great disguise. Very, very, very unhappy consumer.

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 2018-01-10 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I use my XXXX Rewards ( XXXX ) administered by Chase for my hotel stays. 

During my membership Chase offered a 0 % interest on balance transfers. I took advantage of that option ; however, it was not fully explained how payments and interest would be applied after the balance transfer. 

Facts not previous explained in terms that are understandable : - I will ALWAYS accrue interest on my purchases regardless of paying that amount prior to statement close date - any payment I make over the minimum pmt due does not get applied to interest bearing purchases, it pays down the 0 % interest balance until after the statement close. 

For example : Stmt date : XX/XX/XXXX Minimum pmt due : {$110.00} Purchases on XX/XX/XXXX in amount of {$800.00} and XX/XX/XXXX in the amount of {$300.00} started accruing interest and could NOT be paid until after the XX/XX/XXXX stmt date. 

I have to make 1 payment in the amount of the minimum pmt due ( {$110.00} ) plus the purchases ( {$1100.00} ) plus interest ( continuing to accrue until paid ) all in 1 transaction. If I pay the minimum payment due ( {$110.00} ) on XX/XX/XXXX and then the purchase amt ( {$1100.00} ) plus interest on XX/XX/XXXX, the cc company will ALWAYS apply the 1st {$110.00} ( even though it has already been paid ) to the 0 % interest balance and short my purchase amt accruing interest at 24 %. In order to get an accurate total amount due to avoid interest, the consumer must call in to ask for the exact amount that will need to be paid that day since interest continues to accrue daily. 

These are highly complicated payments structures that the average consumer can not fully comprehend and there is not transparency or visibility on the monthly statement which clearly identifies what amount should be paid, so that no additional interest will be accrued. 

The CFPB needs to step in to STOP this horrific interest scheme and force the cc company to always apply the payments to the highest interest rate 1st ( including the minimum payment due ) and stop the accrual of interest until after statement due date. I thought we the credit card reform act had accomplished that very thing, but clearly the cc companies found this loop hole or are not following the spirit of the regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a number of accounts with Wells Fargo : Mortgage Line of Credit Account Checking Account Savings Account I have been a customer of Wells Fargo for over 25 years with them and predecessor companies. 

They have now charged me a monthly fee of {$30.00} with some incomprehensible explanation of why I was charge this fee in 2018 when they have not done it last year. I complained and they gave me a {$7.00} credit as a " nice gesture ''. ( I keep {$500.00} in savings and I think they demand I keep more. ) To me as a customer with many accounts where I pay a lot of interest, i.e. mortgage and line of credit, I think it is outrageous to be charged {$360.00} a year for the pleasure of being gouged by the 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 monetary relief
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I received notification of 4 collection accounts placed on my Credit report by XXXX XXXX XXXX, which lowered my score 44 points! Having never heard of these people I disputed the debts. The date reported to CRA as acct open date was XX/XX/XXXX. The debts appeared to be from XX/XX/XXXX hospitalization, which insurance covered to my knowledge. I disputed debts thru CRA and all were removed in XX/XX/XXXX. In XX/XX/XXXX I again had a major score drop and upon checking Commonwealth had again placed these collections on my report plus added another one. The date reported as opened now says XX/XX/XXXX. I again disputed but this time CRA verified. I am curious as to how this previously removed debt with an added amount can be verified. Date changing is not allowed by law. Commonwealth has made no effort to provide me any documentation verifying this debt or original date incurred to OC. In doing research I have discovered it is unlikely an OC " assigned '' the debt to Commonwealth as they are junk debt buyers with numerous complaints against them for violations of FCRA and FDCPA. Can you help with getting them to comply with laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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: KS

Complaint narrative:
XXXX 's client XXXX XXXX is an ID theft victim ; his information was used fraudulently to apply for several credit and communication accounts. During the process an address was found associated with these applicaitons in his Equifax credit report. An official dispute of this information was sent to Equifax XXXX/XXXX/XXXX ( ticket number XXXX ) however a credit report received XXXX/XXXX/XXXX Equifax is still listing the address. 

XXXX XXXX XXXX XXXX XXXX MN XXXX ( this is the fraudulent related address that is to be removed from the Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NY

Complaint narrative:
trying to collect debt as result of id theft informed them by phone they are still reporting to credit bureaus have sent paper work to XXXX where fraudulent account opened in my name using my stolen info amount is XXXX collection agency is XXXX XXXX co XXXX XXXX XXXX fla XXXX XXXX XXXX XXXX have filed police report with new York state police case # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is taking advantage of military families, by not allowing me to do an online credit freeze. They have instead insisted on a complex mail it in process, that does n't really spell anything out or provide any forms or assistance. I 'm XXXX, this is horrible customer service. I just want a credit freeze, and they are making it impossible for me. This should be banned, as a predatory practice and should be unlawful. I do n't want them monitoring me to begin with. Now when i try and take some form of control and protect myself, I ca n't.

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 2018-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: UT

Complaint narrative:
On XXXX/XXXX/17 I sent a bank wire deposit of {$1200.00} and has still not been a credit to my account on coinbase I called the customer service support number no response have been sending emails and keep getting automated emails giving me instructions how to do it and it still does not work I have followed every instruction that they required

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Coinbase Bitcoin Exchange Case # XXXX XX/XX/2017 I can not withdraw a XXXX of dollars worth of Bitcoin virtual currency because I no longer own one of two email addresses required in order for me to authorize the withdrawal via email. I submitted my initial request for assistance from Coinbase in XXXX and although I 've been told that there is a solution, three months later I have n't seen any progress whatsoever and have n't received a single reply to my requests for updates in over a month. 

BTC Vault XXXX BTC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Hi I can not get hold of Coinbase who have money of mine, I have emailed 11 times over the last 2 weeks with not one response. I have done everything they instructed but still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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: Exeter Finance, LLC.
State: NY

Complaint narrative:
I have two accounts reporting on my credit report that I am disagreeing with. These two accounts are XXXX XXXX XXXX # XXXX & Exeter Finance Corp XXXX XXXX. I reported to XXXX XXXX, XXXX XXXX and simply ask them to verify the documents are mine under the FCRA. They claim that the documentation is mine but they failed to provide me a copy of any original documentation or contract with my signature on it as required under the FCRA section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under section 611 ( a ) ( 7 ) .Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly deleted all information which can not be verified.The credit bureaus have given me such a hard time about this and it has made my life miserable, and I 'm a forced to live like a second-class citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: FL

Complaint narrative:
This is the third time this company has placed a trade line on my credit report with out valid proof of debt or even proof they are authorized to collect. 

I have requested this information on 2 separate occasions. Once in writing and another by dispute. Both times this company was required to remove this information as they did not provide significant information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PNC Bank N.A.
State: NC

Complaint narrative:
My vehicle was repossessed as I was 3 months behind on my payments ( XXXX, XXXX and XXXX ) as the amounts for each month were {$390.00} ( A total amount of {$1100.00} ). Once the vehicle was repossessed, I spoke with the bank my loan is with ( PNC Bank ) and they stated I would have to pay {$1300.00}, which was also including my monthly payment for XXXX, but my monthly due date is not until the XXXX each month. The bank was making me pay the past due 3 months and my current payment, despite the fact that it was not due yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Im a XXXX XXXX holder. Last year I missed a payment. I had an auto pay ACH set up for XXXX per month. XXXX began taking XXXX per month from my bank account. I assumed this higher amount was addressing the back amount due. Now a year later they continue to take XXXX a month ( my actual purchases were less than XXXX ). The onus is on me for not looking at this sooner but I discovered theyve charged me a XXXX late fee every month. Where I attempted to work this out with them I was treated to rude behavior, hung up on and left on hold with no response. I feel they should take what theyve already gotten from me and call it a day. They refuse to do any more than 2 fee rebates and will only do that if I pay them XXXX ( XXXX more than the rebate theyre offering ). My balance after a year is still XXXX. I asked a supervisor to escalate my complaint ( I asked the first rep to put a complaint in and was later told they dont do that ) the supervisor ( XXXX ) told me Id have to write to them and that she was the highest person Id be speaking with. She offered the mailing address for my complaint then hung up before giving it. My account with them is XXXX. They have my name as XXXX XXXX, Ive been attempting to get them to change that ( mailed them a certified copy of my marriage cert in 2010 ). Still no name change. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Slovin & Council Co., L.P.A.
State: OH

Complaint narrative:
I received a court document that I was being sued by Slovin and Associates on behalf of XXXX XXXX XXXX XXXX, for the amount of {$4700.00}. There are 2 issues here in regards to them attempting to collect the incorrect amount. 

1. Not only is the documentation that they filed with XXXX XXXX XXXX almost entirely redacted/obfuscated, there are four pages that appear to be identical. In Exhibit A of the attached file, on pages 12 through 15, they are all identical ; same " Current Account Balance, '' and " Amount 's, '' all totaling {$100.00}. This is an attempt to collect money from me that is not due and the documents they sent to me are false. 

2. I have had health insurance for quite some time, and there is no way that the amount due was not covered by my insurance company. I have a low deductible on my insurance that would have covered that amount. But since all of the dates have been obfuscated, there is no way of confirming this with my insurance company, and there is no way I can protect myself against these charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Recorded message says to call XXXX and ask for XXXX XXXX so when we do so we ask for XXXX XXXX but whoever answered the phone says they can help us. We then state that the phone number you are calling is a new one to us and that we have no debt to anyone so please stop calling for which the standard response has been " We will remove you from our list ''. Problem is, they still keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: IA

Complaint narrative:
Had a USBank Visa card, on XX/XX/XXXX they received a payment of XXXX payment, which left a balance of XXXX. 
The remainder was paid on XX/XX/XXXX which left a XXXX balance. 
On XX/XX/XXXX called and asked to have account closed, and was informed at that time it still had a XXXX balance. 
After getting the letter in the mail on XX/XX/XXXX that said the account had been closed and it was dated XX/XX/XXXX, I decided to look online to make sure all was right, and there was a XXXX balance, it said it was interest charged on Purchases that was charged to the account on the same day it was closed. 
My wife called to inquire about it, and was told that it was from a balance transfer from years ago ( which is a lie ), yet this is the 2nd time the card had been paid off, and any balance Transfer was done before last pay off. 
The statement says Interest on purchases, and XXXX interest on Balance transfers, and XXXX balance on cash advances. But XXXX interest on Purchases. 
And since they did n't credit the XXXX till XX/XX/XXXX they charged Interest on over XXXX worth of balance, at 24.99 %. 
This interest rate has been going up each year since getting card, and never had one single late payment. 
I talked to some woman named XXXX on XX/XX/XXXX who said she was from Legal department, and what they did was legal, and I needed to pay that amount that day, because the account was closed, or she would report it as 30 days late payment. 
I feel I have been victimized by them, and they want me to pay for closing the account at XXXX. The attached file XXXX shows what I am talking about. 
Can you 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 2018-01-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I had bill pay with Navy Federal Credit Union, I was paying XXXX XXXX and Paid the account out and they said it was a right of my records show paid in full, also XXXX starting send payment back and at some point the account number was change to another account number on which I did not owe any money, The record show they took XXXX from my account to pay and account I owe no money and one which had know bill pay to automatic monthly how it was done at the credit union I do n't know this fraud I did not authorize this payment and I want to recover my fund that should not have ben to them any way nor was it authorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Mortgage is close to 3000 I had tried to lower my payments in XXXX XXXX instead Wells Fargo put my home in foreclosure after I asked for a payoff amount which I never received. They make so many excuses not to take my houseout offorclosure. Once you try to reduce your payments might as well kiss your house good bye. Wells Fargo was so disorganized they lost my records, did n't enter them into the system, theXXXX and I worked with representatives that the management cant see on their end. The Vterans Department and The bank have confirmed we sent in all of the documents still XXXX XXXX at Wells Fargo upper management cant see the fault in losing my documents. 

I was assigned 7 different agents to me and my case everytime I got a new representative the VA and I would send in a new packet of information. I Asked for a buy out and they did n't have one, We called several times and wells fargo and XXXX XXXX XXXX did not have a pay off amount for me until a few weeks before the sale. 

I sent in the money and they did n't cash the check, I did everything verifiable to Wells Fargo, I went to the bank to send the documents so this very thing would n't happen. I sent a copy to Department of Veterans Affairs and Wells Fargo so they could not make any excuses but they are and now I am moving out of my house today XXXX, XXXX XXXX We had postponed the sale in XXXX XXXX and continued getting paperwork done I sent in the remainder of information on XXXX XXXX XXXX. The Bank statements were sent by my Wells Fargo Branch in XXXX XXXX XXXX and XXXX XXXX at the VA Sent XXXX a Letter stating she had all the proof I sent in the information. 

Not only that I remodeled my whole house over 50k and lost over 100k in equity.

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