vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-06 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:
On XX/XX/XXXX, I purchased a XXXX plan. They told me my account would be active in 1-2 weeks. 
On XX/XX/XXXX, after trying to use my service for the third time, I Still could not watch a movie. So I sent XXXX a cancellation request email for their service. I received no response of course. 
On XX/XX/XXXX, I filed a dispute with my Citi XXXX, where I placed the XXXX charge. They immediately refunded my money. 
On XX/XX/XXXX, XXXX messaged me regarding the chargeback request and the suspension of my account stating that if the vendor upheld my payment, I would need to email them to get my account reinstated. 
On XX/XX/XXXX, Citi messaged me with an updated stating XXXX had responded to their inquiry. They reinstated the {$110.00} charge on my account. 
on XX/XX/XXXX, I emailed XXXX and asked them to reinstate my account. No response. 

An individual pays {$110.00} to watch 2 movies a month. Out of my entire service, I have maybe been able to watch a single movie. I do not think it is fair to charge for this service as I can not use it and even when I try to use it, it A ) does not work or B ) XXXX did not reinstate my account to use it. I am not a chronic disputer. This is the only dispute I have ever filed with Citi. I do not want to pay for a service I can not use and neither do I want to use anymore at this point. XXXX is the WORST vendor I have ever worked with.

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 2019-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
Grant Mercantile in XXXX Ca received a medical account on my behalf. Correspondence was sent by original biller and Grant Mercantile to an outdated address. They leave no voice messages as to who they are and call and hang up after one ring. Upon seeing the account on my credit report I contacted Grant Mercantile and attempted to resolve the issue. They stated they had added 10 % interest and backdated it to the original date of the bill. No such fees or penalties are outlined in my contract with the medical facility and therefore should not be added. I wanted to pay the account in full for the principal but the company refused to remove the additional fees they imposed with no contractual agreement to pay such fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: GA

Complaint narrative:
The problem is with a U.S. Bank Gift Card purchased at XXXX. XXXX, the named agent on the card, has stolen {$12.00}. A purchase for {$12.00} was made on XXXX19. Upon checking the card balance online, the {$12.00} charge was accompanied by another " Pending '' transaction for the same amount from the same company on the same date. I called the XXXX phone number listed on the card and reported the problem. I was told the duplicate charge could not be removed. I was told it was clearly a duplicate transaction and would come off of the card within 48 hours. This phone call was made on XX/XX/XXXX. I checked the card balance today and the disputed amount now shows up as a charge on XX/XX/XXXX. 

XXXX said I have to dispute the charge and it takes up to 240 days to resolve. Meanwhile, as I was talking to them, my online statement was taken down! After pointless conversations with a XXXX agent and then supervisor, it is apparent the money has been stolen and XXXX is going to give me the runaround until I get tired and give up. 

After too much time it became obvious that this duplicate charge was no accident and was not going to be restored. I believe XXXX is DISHONEST and has stolen these funds. STAY AWAY FROM VISA GIFT CARDS, XXXX AND U.S. BANK GIFT CARD!!!!

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 2019-03-06 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian refused to update a account although i privided adequate documentation. XXXX XXXX paid off XX/XX/XXXX. XXXX XXXX XXXX XXXX removed as a authorized user on XX/XX/XXXX. No actions were taken

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 2019-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This company, XXXX XXXX XXXX, calls me about 2-3 times a day leaving messages. After I blocked one number they started calling from a different number. They said if I don't agree to make arrangements to pay they can put a lien on my car or garnish my federal income tax. The lady stated that I owed over {$4000.00}, but I could settle if I immediately sent them {$1200.00}. She wanted me to send her my banking info over the phone. After I wouldn't agree to sending them {$1200.00} she got an attitude with me like she just couldn't believe I wouldn't send them that amount. I know of this debt, but I'm trying go figure out how it got to be over {$4000.00} when initially the debt was a little over {$2000.00}. I have asked them to send me documentation stating who they are and information about the amount of debt I supposedly owe. They have also been contacting my brother who knows nothing about this situation. I thought this was against the law!!! 
I'm also wondering if it is over the statue of limitations to collect this debt because it goes back to 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 2019-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Hi there, My checking account with TD bank got charged {$25.00} maintenance fee for XX/XX/XXXX and XX/XX/XXXX, totaling {$50.00}. Its term stated that the account should maintain a daily amount of {$2500.00} to avoid the $ XXXX monthly fee. However, it didn't specify whether it is the average amount across a month or exactly any single day within a month. I thought it was the first scenario since other checking account products at other banks utilize the measurement based on average daily amount and TD bank didn't specify it in its terms. I didn't know about its specific policy until I noticed that I got charged and talked to them. They refused to waive the fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have received a letter with copies of documents I requested from XXXX XXXX XXXX XXXX there are a few of the XXXX  I dispute with only copies of the computer generated XXXX and no other information which includes the schools or the amounts. They have included a typed amount for various schools and years but this does not compliment the XXXX with E-Signatures. There is one XXXX  from XXXX that has my signature and I take responsibility for that, the others from the following dates that are legible and some not legible : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The accuracy of these dates are in question, I also raise questions as to the language of the XXXX  with the following and my questions there after : Promise to Pay 15. I promise to pay to the order of the lender all loan amounts disbursed under the terms of this XXXX, plus interest and other charges and fees that may become due as provided in this XXXX. I understand that multiple loans may be made to me under this XXXX. I understand that by accepting any disbursements issued at any time under this XXXX, I agree to repay the loans I understand that, within certain time frames, I may cancel or reduce the amount of any loan by refusing to accept or by returning all or a portion of any disbursement that is issued. 

My questions are as follows ; ( 1 ) The lender in question or lenders were and are not the Federal Government, the lenders were XXXX and other Banks on the XXXX so how could I owe the Federal Government? ( 2 ) How can multiple loans be made under one XXXX but I have at least four XXXX sent to me so the loan amounts can not be accurate if multiple loans can be made and requested by who? ( 3 ) How could I have had the opportunity to cancel a loan that I never received any currency in the form of cash, credit or check directly to me? Finally, ( 4 ) If the Federal Government used local and national Banks such as XXXX and other Corporate Banks to disperse funds for Student Loans then these Banking Systems must be bound by UCC? Which is a Federal Commercial Code to govern these transactions according to UCC 9 these loans were not payable to the bearer but the bearer which is me would be obligated to pay an inflated or fictitious amount.

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 2019-03-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advance America, Cash Advance Centers, Inc.
State: TN

Complaint narrative:
Today XX/XX/XXXX at XXXX CST I was contacted by XXXX XXXX XXXX  of XXXX KS XXXX. I had received approximately XXXX calls from a phone I did not recognize for the past 24 hours. Their persistence caused me to answer to the last call. Upon answering and the original representative repeatedly stating it was for. Personal business matter and not an attempt to collect a debt I was skeptical. The representative had my name and birthdate and didnt identify a company until I demanded the name of his employer. This was disconcerting as again he kept saying regarding a personal business matter and never an attempt to collect a debt. I disconnected that call then looked up the company obtained the XXXX number and called them. Another representative then advised this is an attempt to collect a debt. I was shocked as I use XXXX XXXX to monitor my credit and about cleaning my credit up in XXXX. I hadnt opened any new accounts or went delinquent on any account. This representative then advised that I owed approximately {$230.00} or so for a payday loan owed to Advance America. I was shocked at the last communications I had this company was in XXXX. Since Ive receive a copy of my credit report at least once per year from all three bureaus and have never seen an entry from this company. I informed the representative that if this debt was indeed valid at XXXX point in time it isnt actionable at this point as it is beyond the 6 year statute of limitations for collection debt in Tennessee pursuant to Tennessee T. C.A. 28-3-109. I reside in Tennessee and only dealt with Advance America inside of Tennessee. The representative then advised me that she could still collect this zombie debt and could use the the credit bureaus as a recourse.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Wells Fargo Operations Complaint Management Executive Office. 
I lost my debit card along with the bank generated PIN mailer ( I tried to change the PIN but was unsuccessful ). Couple days later I logged into my account to see that there are some unauthorized ATM withdrawals made outside the country. I have contacted Wells Fargo and file a claim. After 10 days, I contacted them to know that they are denying my claim. Not happy about having my case denied, I contacted the operations complaint management executive office. They did a review on the claim and determined that the disputed activity was authorized by me or someone I had given permission to, and therefore the claim was closed. The reasons they gave was : Conflicting information regarding the security PIN. 
I have repeated told them that the only PIN that I had was the generated PIN mailer that was lost with my card. Also, I told them that I have attempted to change the PIN but was unsuccessful. They said that I changed the PIN with the automated system which is hard to believe because no bank allow client to change their PIN over the phone. Furthermore, they have not presented any evidence that the PIN used for the withdrawals is different that the generated PIN mailer, since they said that I changed it. ( I still have a photo of the generated PIN ). 
No attempts to use the card after it was closed. 
Again, not showing evidence that the card was not used after I reported lost. When I saw the unauthorized transactions, I turned the card off before even calling the bank. So logically after turning off the card and the bank blocking the it after I called, how would the bank know that the card was not used after I turned it off and they blocked it. I need a transaction history. 
Multiple successful online banking logins during the time of the disputed activity. 
Again, this is something that the bank can retrieve and provide the audit trail of the logins during the disputed activity. During the disputed activity, the only time I logged was when I turned the card off and called the bank to block the card. 
How come a bank can be so irresponsible just because they want to make money on the back of their customers. Wells Fargo is known for unethical practices and until we stop them, they will keep ripping people off.

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 2019-03-06 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX I notified a merchant XXXX XXXX that I will not be renewing the policy with the insurer carrier. I also XXXX the automatic billing portion listed on the account. On XX/XX/XXXX I received the bill for {$790.00} that is unauthorized charge as the policy has been changed to my account anyway. I contacted XXXX XXXX and the response was that they are going to investigate the matter as they acknowledge receiving the XX/XX/XXXX phone call. 
The same day onXX/XX/XXXX I contacted BMO Harris the card in the intention of disputing the purchase. As result I have dealt with a surely and completely unprofessional agent that made the process very difficult as well as personally insulting me ( addressing me by my first name basis several time ). As result of the " treatment '' I decided to cancel the card. 
It is my impression that despite what I was told the BMO Harris is not going to process the dispute and it also refused to refund the rewards balance {$12.00} I have accrued as their card member by giving thousands of dollars of business tot hem. When I requested to be credited to my account in form of check I was told that it is not " how it is done '' and that the points will be forfeited. 
It is also troubling that the bank doesn't protect its customers from unauthorized purchases such as this with the excuse in this case of being the " recurring '' purchase. The purchase was not authorized to be recurring and the bank failed its responsibility to protect me from unauthorized use of the card. Why the bank feels it doesn't need to contact the cardmember to verify the transaction is beyond me. 
It is truly telling on how the bank treats its customers irrespective of whether they are in good standing or not. 
This is not how anyone should be treated thus I will no longer use their services. I also cancelled my upcoming car rental in XXXX that was made using BMO Harris Card services.

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 2019-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Revenue Enterprises, LLC
State: KS

Complaint narrative:
Revenue Enterprises LLC, XXXX XXXX XXXX XXXX # XXXX, XXXX, CO XXXX. Has continued to contact my Cell Phone, without express, nor written consent via Robo, or otherwise unattended Automated Dialers. Theses calls included, but are not limited to the following dates ; XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 These attempts are in direct violation of TCPA. The prerecorded message discloses that the call is from a debt collector, and has resulted in disclosure to a 3rd party, further violating FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
On XX/XX/2019 at XXXX XXXX I received a phone call. I wasnt able to pick up the call, but saw that I received a voicemail at XXXX for 28 seconds. It was a female stating to please call back before XXXX and said to call this number ( XXXX ) XXXX. I originally called the first number I received which was ( XXXX ) XXXX. I spoke to a male agent and I provided him my social to look up my account and he asked me if the person who left a voicemail had provided an extension or account number, I said no. He checked my first account and said its in good standing and doesnt understand why I was called. He then pulled up the other account which I initially provided a court order judgement signed by a FL Judge stating that the vehicle is not my responsibility to pay, only for the other vehicle which I am still paying. 
The agent advised me that the second account has a legal status and therefore, they were not able to attempt to make a call in regards to that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I contacted the corporate offices of Santander Consumer USA. I was about to pay off my vehicle but due to poor health and mismanagement accrued nearly {$1900.00} in late fees. I asked for any amount to be waived. The board of directors was gracious enough to waive {$500.00} within a few days. I called numerous times to thank them and even emailed them. I called and asked On numerous occasions during the month of XX/XX/XXXX is I had to pay the late fees and what would happen. 

All of the representatives I spoke stated that there was no regular payment required, I could pay them at a later time and that all that would happen would be is that they would keep my title until the late fees were paid. I also used the contact feature on their webpage to tell them not to charge me a late fee on a late fee. Santander was still showing that I had my regular car payment due even though I had paid all principal and interest. 

XX/XX/XXXX we received a bill for {$.00} which we paid. On XX/XX/XXXX I began to receive notices from XXXX XXXX that Santander was placing 30 day late notices on my credit report. I thought for sure it was an error because the car was paid off so I just disputed it. My credit rating dropped 70 points almost disqualifying me from a business loan I am trying to take out for a veteran owned business. A new 30 day late was posted on my credit. I called Santander and emailed and sent messages through XXXX wondering what they were doing. For days they strung me along saying they would get back to me. 

On XX/XX/XXXX at XXXX I was contacted by XXXX XXXX who began angling the conversation to the point that I was not told by the agents that I didn't have to keep paying my late fees like my regular payments ( which I was ), that it was my fault this was happening ( yes the late fees but not the hit on my credit ). XXXX brow beat me by asking the same questions over and over like the detectives I used to work with, trying to get a confession. I gave up and stated to her that I was getting a lawyer for Santander ruining my credit. 

I was sent an acceleration letter for {$0.00}. The letter stated that if I did not give them {$0.00}, they would accelerate my loan or repo my car. Now My XXXX  score dropped 124 points in one day because they closed the account unexpectedly with a balance instead on reaching out. I took the money to pay them out of my life saving so they wouldn't continue to harm my credit.

Company response to consumer: Closed with explanation