vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
On or around XX/XX/2010. I got a credit card for a friend in my name. At the time that I requested the card the American Express representative and I agreed on the phone that the credit limit for the person that I requested to be on the card was to be {$300.00}. The individual in question made around {$1300.00} in charges which was over their limit and I was forced to pay the {$1000.00} difference because the company violated proper procedure by not recording all conversations as required possibly by law so there was no way for me to get a {$1000.00} refund because through the company 's negligence I had no way to prove what was agreed to between American Express and myself. I want a {$1000.00} as settlement in anyway that they seem fit. I should not suffer for the negligence of the American Express Co in not recording all conversations as required! The lesson to be learned is that to never get a credit card in someone's name with a credit limit because if the customer goes over that limit u will be liable for the difference. I could have had as much as {$10000.00} liability!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I own a small business : In XXXX my friend and I purchased a commercial 4 bay garage. I needed this space to store inventory for my business. My friend wanted space to store a classic car. We had problems finding insurance for this property because it was listed as commercial but we did not have business hours at this location. I reached an agreement with my business insurance agent to insure this property as part of my business policy. 

In XX/XX/XXXX my wife and I signed a purchase agreement for a house in Florida. I applied for a mortgage from Citizens bank. My wife banks at a credit union and I have my personal and business checking accounts at Citizens. My wife and I also have our 401K accounts at Citizens. 

I wanted to close my 401K account and use this money for a down payment on the Florida house. Citizens could not transfer this money between my 401K and my checking account so I was issued a check that I deposited into my checking account. 

Citizens would not approve my mortgage request based on the following : I could not prove the large deposit in my checking account. I deposited a Citizens check into a Citizens checking account. 
The underwriter was using my garage against me. I was sent a document that had the following questions. 
Did I own this property free and clear? Answer : I own the building with XXXX XXXX. 
How was this building insured? The Loan officer was calling my insurance agent. My agent refused to talk to the loan officer. 
Are the condo fees paid for on this building? Answer : There is not a condo association for this garage. 

This underwriting department is fixating on a garage that is being used as a storage locker and is paid for. The taxes are current and the property is insured. 

The underwriter also wants evidence that I lived at an address on XXXX XXXX in XXXX, PA. Answer : I have never lived in XXXX . XXXX XXXX lives on XXXX XXXX. 

Underwriter is looking into a credit inquire from XXXX. Underwriter needs a billing statement from XXXX. Answer : I changed cell phone companies in XX/XX/XXXX. XXXX has me enrolled in auto pay. My bill is automatically charged to my credit card each month and I do not receive a bill from XXXX. 

The underwriter wants a signed lease for the Florida property between me and the tenant. WHAT LEASE? WHAT TENANT? 

These four issues are keeping me from getting a mortgage that I have a 40 % down payment for. This bank has me backed into a corner. I am going to lose my {$5000.00} down payment. I have a $ XXXX annuity that I purchased through Citizens Bank. My wife has $ XXXX in her Citizens 401K and we have over 100K in cash to use for the down payment for a {$230000.00} purchase. 

I thought I was a great risk for the bank. The bank was a risk for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Deleted all old address on my 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 2018-12-28 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: LA

Complaint narrative:
I file bankruptcy XX/XX/2018 and equitfax, XXXX is still reporting the creditors and past due instead of removing them on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureaus did not verify the accuracy of the XXXX XXXX XXXX  account and continues to report wrong payment histories, high balance wrong amounts, incomplete account number. I am being treated entirely unfairly and my credit rights have been violated. Please delete this report as these credit bureaus are not complying with the FCRA timelines for investigation or accuracy of accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I see a lot of unauthorized card use on one of my debit cards. Starting from XX/XX/XXXX a charge at " XXXX XXXX XXXX '' up until recently a charge on XX/XX/XXXX for " XXXX ''. I also have a bunch of what looks to be overdraft fees associated with this purchase. 

My account is now in the negative due to this. How can this be possible that someone can use my money like this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I had a group of 5 student loans that were refinanced. The loans were overpaid by {$160.00}. XXXX XXXX  said that they issued a check on XX/XX/XXXX. Then in a separate correspondence they said they issued a refund check to the new servicer on XX/XX/XXXX. When the new servicer said they still hadn't received any payment, I asked again and XXXX said they issued a check on XX/XX/XXXX. The date of the supposed refund check keeps changing and the new servicer still says they haven't received any payment. This {$160.00} seems to have disappeared even though I am paying interest on this amount integrated into my new loan. I don't believe XXXX actually sent any refund check to the new servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: VA

Complaint narrative:
This complaint is regarding CITI Card. The reason for the complaint is that they have a ONE-SIDED merchant dispute for us, ongoing since XX/XX/XXXX and now it appears that they are going to continue to accept - forced and not legally obligated swipes of $ XXXX/ month again in XX/XX/XXXX to a Network that we are not receiving anything from, XXXX XXXX XXXX XXXX. ( A home based business- A one - man shop -- that is not properly registered with an EIN for Tax payments to the IRS ). 

Please let CITI Card know, that we have no problem paying for a service if we use the service, and if we are obligated by contract. 

We are very surprised and angry to learn today, XX/XX/XXXX that after reporting to our CITI CARD ( XXXX XXXX, RE : Purchases to " XXXX XXXX XXXX XXXX '' originally authorized as an optional service, monthly, as needed on a card that ends in - XXXX however the merchant has been forcing charges on us without me actually typing in a card number under the re-assigned card number for the same visa that ends in - XXXX. ( This is suspicious because the Merchant, XXXX XXXX XXXX   XXXX is force-billing us without us presenting or typing in our visa card number, to prove that we are making a purchase. The Company 's Terms of Use Terms of Service are attached!

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 2018-12-28 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I file bankruptcy XX/XX/2018 and XXXX, experian is still reporting the creditors and past due instead of removing them on my 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 2018-12-28 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: CITIBANK, N.A.
State: NH

Complaint narrative:
I have a recording of this call saved on my phone. 

On XX/XX/18 at XXXX, I called to make sure my entire balance was paid off. 
I spoke with a representative from Citi who told me that : A ) my automatic payment could not be increased to pay the full balance B ) that if I had an automatic payment, it would pull money each month even I didn't have a balance (???? ) C ) that he would make a payment ( which he NEVER did ) Now I have a late payment. I am very concerned that this behavior will continue to innocent consumers.

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 2018-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC
State: GA

Complaint narrative:
On XX/XX/2018 I was contacted by the company to take out a loan for {$15000.00}. The terms was for 36 months at {$440.00} / month on the XXXX direct withdrawal from my account. I start noticing the amount was more and they were taking it out different days of the month. I recheck the loan agreement XX/XX/XXXX which downloaded in their app and it was for a different amount to be taken every 28 days for {$470.00} for 52 months. When I contacted the company about the fraudulent loan that my name had been attached I was told they would do an investigation. I received emails confirming that it was not right it was supposedly a human error. I repeatedly asked for the original loan but they could not give it to me and wanted me to agree to a new agreement and with supposed original terms. I refused because I knew that they couldn't produce the original loan agreement with my signature. They kept badgering me about making payments on a fraudulent loan they claim they did an investigation which I received there was an error on the company 's part however it was very clear that company intended to fraud me out of thousands of dollars. I found out this is has been to many other people. THE inconsistencies caused insufficient funds in my account because my due date went from the XXXX to the XXXX of the month for more money and a longer-term. Each month a different day. I have emails confirming that they want to try to re-establish the loan with original agreement but can not produce the original with my name sign to it. So basically the company gave me the original terms then went back and change the terms to get more money out of me actually over {$9000.00} start importing my signature to a loan I never agreed to which is not only a civil violation but a criminal act

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureaus did not verify the accuracy of the XXXX XXXX XXXX account and continues to report wrong payment histories, high balance wrong amounts, incomplete account number. I am being treated entirely unfairly and my credit rights have been violated. Please delete this report as these credit bureaus are not complying with the FCRA timelines for investigation or accuracy of accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: GA

Complaint narrative:
My loans were forgiven on or about XX/XX/2018 after I filed my first complaint with CFPB on XX/XX/18. Part of my request for resolution was that I receive any refund from overpayments immediately. Today is XX/XX/18 and I have not yet received the over {$4000.00} I am due in refund. Each time I contact XXXX XXXX, I have been informed that it is unclear when I will receive my refund and that there is no way to track my refund. Also, XXXX XXXX is not able to tell me if I will be mailed a check or if the money will be direct deposited into my account. I truly believe this to be unacceptable since this is my money. I need to know when I will receive it and how and if its much longer than 30 days after the forgiveness on XX/XX/18 then I am requesting interest to be paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: GA

Complaint narrative:
The lender made an illegal loan charging an interest rate not allowed in the state of Georgia and is not a registered lender in the state.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureaus did not verify the accuracy of the XXXX XXXX account and continues to report wrong payment histories, high balance wrong amounts, incomplete account number. I am being treated entirely unfairly and my credit rights have been violated. Please delete this report as these credit bureaus are not complying with the FCRA timelines for investigation or accuracy of accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax had a data breach in XX/XX/XXXX in large part because it maintained consumers ' credit and personal information in a negligent manner. Initially, Equifax offered a free credit monitoring services called XXXX   XXXX. In the fall of XX/XX/XXXX, Equifax notified me that it was ending XXXX  and offering me a free alternative credit monitoring service called myEquifax. However, Equifax stated in the FAQs about this change that if anyone had a freeze on their Equifax credit file, that freeze would be unfrozen when XXXX  was ended. As one who has maintained a credit file freeze for the last 20 years, I was effectively forced to enroll in the free myEquifax program to restore the freeze on my credit file. Unfortunately, the myEquifax software did not and still does not work to restore the freeze on my Equifax credit file. In addition, the work-arounds Equifax offers to consumers when the software does not work also failed because the Equifax customer service staff members also can not get the software to work to re-freeze my Equifax credit file. Yes, Equifax customer service staff members talked to me on the phone and sent a special PIN through the mail, but myEquifax still does not enable me to re-freeze my Equifax credit file and the Equifax customer service staff also can not re-freeze it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
BEWARE BEWARE OF REGIONS BANK BEWARE OF REGIONS BANK THEY WILL STILL YOUR MONEY BEWARE BEWARE WITH REGIONS BANK. 
XX/XX/2018 I was just finish working, I check my regions account I saw my account was minus {$3.00} since it's was already late around XXXX XXXX  i ask my friend to send me money on my account so that my account can be positive, so my friend send me the money immediately and my account become back to positive the same time XX/XX/2018 the next day on the XX/XX/18 my account was positive with {$4.00} and normal and today XX/XX/18 i just got pay from work and i check my account so that i can pay my rent i see that some of my money was missing I call regions bank to ask them what is going on i REALIZE THAT THEY CHARGE me about 4 times {$36.00} dollars the first charges was {$72.00} on the XX/XX/2018 but my account was normal and the second on the XX/XX/2018 i was shock because when my account was minus {$3.00} I automatically added money to my account cause i hated to see my account without money on it but today I realize they took some of the only money I have left to pay my for my rent ....

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 2018-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Certegy Holdings, LLC
State: IL

Complaint narrative:
Check was declined because of Certegy authentication failed. The validation report provided acknowledges they dont have access to my account balance. How can they decline checks without knowing my account balance?

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 2018-12-28 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: FL

Complaint narrative:
I have 3 open credit card accounts. Two are from XXXX XXXX XXXX  and one is from XXXX XXXX. My credit limit for all three cards combined is {$72000.00}. 
( XXXX XXXX XXXX XXXX has a credit limit of {$49000.00}. My other XXXX XXXX credit card has a credit limit of {$10000.00}. My XXXX card has a credit limit of {$12000.00}. ) The 4 major credit bureaus of TransUnion, XXXX, XXXX, and XXXX are still reporting on my credit report that my total credit limit is just {$62000.00}. 
This is incorrect and needs to be corrected to the higher limits of {$72000.00} Also, they keep listing my balances as {$6100.00} on all three cards. This is wrong! 
My current balances on all my cards as of today ( XX/XX/2018 ) is only {$260.00}.

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 2018-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/2018 - XXXX XXXX XXXX - {$21.00} XX/XX/2018 - XXXX XXXX XXXX - {$20.00} XX/XX/2018 - XXXX XXXX XXXX - {$20.00} After agreeing to a XXXX XXXX XXXX store credit card offered by Synchrony Financial and purchasing a sectional, I setup autopay and left my account be. 

Turns out, I was being charged from XXXX XXXX each month and I didn't recognize the vendor nor did I ever sign up for an additional recurring service. The CC I used was explicitly used ONLY for the furniture purchase. 

I disputed with Synchrony Financial CC and they transferred me to XXXX who promptly refunded the charges and cancelled the account but I asked them when and where did I sign up for this and they said upon credit application sign up. - This is egregious and dangerous. There are literally thousands of complaints online in forums, review sites, etc ... about this " service '' and it needs to be shut down. Consumers who don't even qualify are essentially automatically signed up for something they never agreed to because a XXXX XXXX XXXX store rep could've helped them " quickly '' fill out the credit form and left this service checked off without the consumer knowing.

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