vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/XXXX, I charged XXXX for XXXX XXXX ( {$99.00} + tax ) to credit card ( Citi AAvantage ). I never received a statement. I did not pay the amount because I pay bills when I receive a statement. 

I received a letter in XXXX XXXX, dated XX/XX/XXXX saying the account is past due and may be referred to a collection agency. This was the first notice that I received telling me that I has an unpaid balance. 

I called to see what this was about. I was told that I owed 4 months of late fees at {$20.00} per month, plus interest. I spoke with three different representatives of Citi -- each at a higher level of authority. They will not give full names. Each told me that they could only cancel one late fee of {$20.00} plus some interest. I was told the remaining balance was {$83.00}. Since I have never received a statement, I could not verify this amount. I decided to pay {$85.00} to make the hassle go away. 

On XX/XX/XXXX, I received a statement from Citi. It shows a payment of {$190.00}, consisting of the {$100.00} plus {$85.00}. The statement shows a remaining balance of {$32.00}, which includes another {$2.00} of interest. I called and learned that Citi decided they would not rescind the {$20.00} late fee and interest, as I had been told over the phone. They now demand an additional payment of {$32.00}. 

My experience is frustrating but the BROADER QUESTION IS WHETHER CITI IS CONDUCTING A SCAM WHEREBY THEY FAIL TO SEND OUT STATEMENTS, THEREBY TRIGGERING MORE LATE FEES AND INTEREST. In other words, is my experience the tip of the iceberg?

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 2019-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There were two XXXX XXXX accounts on my consumer report. I did not recognize one account and I reported it as fraud. The account that I did recognize, I just made a payment on XX/XX/XXXX or XXXX, XXXX. XXXX received the fraud report and closed the account on XX/XX/XXXX, that I just made a payment on. I was not called or received any letters asking me to verify the active account BEFORE it was closed. They could have blocked the account until it was verified, without closing it. I did NOT know that the account I didnt recognize was attached to the active account I just made a payment on. When I discovered this, I called XXXX, explained what happened and claimed full responsibility for the once active account that I opened XX/XX/XXXX. I even faxed documents verifying the account and claiming full responsibility. They even mailed me a letter, stating that theyve concluded their investigation and found that the account is mine and they had verified payments. Still, they have not reopened my account with full access and reissued a new 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 2019-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
My problem is with PAYPAL CREDIT, a subsidiary of PAYPAL ( specifically with a promotion entitled 6 mo free if paid on time ). Here are the relevant facts : My XX/XX/XXXX XX/XX/XXXX Statement DUE XX/XX/XXXX with " Amount to avoid Standard and Deferred Interest {$3300.00} ''. 

I placed a call to PayPal Customer Service on XX/XX/XXXX and specifically inquired if a {$2500.00} refund, which was being processed by PayPal, when cleared, would apply to my PayPal Credit XXXX statement balance of {$3300.00}. I WAS TOLD IT WOULD. 

During that same phone call I was advised that the difference of {$820.00} or more would be required to avoid interest. On the XX/XX/XXXX I made a payment of {$850.00}. 

My {$2500.00} refund sent to my PayPal Credit account was cleared on XX/XX/XXXX. 

On XX/XX/XXXX ( first business day after the XXXX deadline ) I was charged {$390.00} interest. 

My next call revealed the reason behind my dispute/appeal : - The Customer service wrongly told you that the refund would apply to your XXXX Statement ; - Person you spoke with on XX/XX/XXXX was a PayPal Customer Service member, NOT from PayPal Credit Customer service and THEY WERE NOT AUTHORIZED TO MAKE SUCH A CLAIM. 
- Your refund was applied to another promotion instead of your XXXX Statement, so you were charged {$390.00} for non-payment of {$3300.00} in full. 

I sent a FAX to PayPal Credit, demanding review and reversal of the {$390.00} ; I received two emails ( do-not-reply kind ) that a ) acknowledged receipt and b ) stated " Our response, if any, will be reflected in your account balance in 24-48hrs '' ...

One week later I had to call back to find that my appeal for fee reversal was denied, no further communications was deemed necessary.

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 2019-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: FL

Complaint narrative:
Received a bill from AR Resources on XX/XX/19 attempting to collect a debt for " XXXX XXXX XXXX XXXX '' in the amount of {$210.00} for my Daughter, XXXX XXXX. I do not owe XXXX  XXXX XXXX XXXX any money. I dispute the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
In XX/XX/2018 my mortgage was sold to a new servicer - Citizens One bank. Shortly after the sale, monthly payment amount went from XXXX to XXXX ( I was unable to get a clear explanation as what the reason for the increase was ). Since I had automatic payments set up with my Bank ( XXXX ), I continued making a monthly payment in the amount of XXXX for two months after the increase took effect. 
Rather than billing me for the difference, Citizens One, who discovered the problem in XX/XX/2018, decided to refund my two monthly payments (!!! ) and then started making threatening calls to me, claiming I was about to default on my mortgage. I had to make an emergency payment of XXXX to make my account even. 
The two payments of XXXX were refunded by ( physically!!! ) mailing 2 separate checks to my home address - each in the amount of XXXX, one on the XXXX and another - on the XX/XX/XXXX. Naturally, one of these checks got lost and despite me calling Citizens One numerous times for a replacement check, none was sent to me. It has been nearly two months and I can not get my money back! 
I find it absolutely outrageous that this kind of unprofessional and borderline fraudulent behavior is tolerated - Citizens One is clearly incapable of providing quality service to its clients and should not be allowed to service consumer loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: FC HoldCo LLC
State: NC

Complaint narrative:
This vehicle was repossessed by XXXX XXXX XXXX in the State of  Virginia on or about, XX/XX/17, and resold on or about ( I was never made aware of the resale date, price, deficiency ). 
Under the laws of the State of Virginia UCC Title 8.9A. Commercial Code - Secured Transactions - Part 6 Parts 1 and 2. Default and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.

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 2019-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX gave my personal medical information to I C SYSTEM COLLECTIONS for a bill. I C System gave XXXX ( and maybe others ) the medical facility name " XXXX XXXX XXXX '' and it publicly posted. It supposed to say something like " Medical/Physician '' that's it. Now other people/creditors/inquirers/family are seeing that I had a XXXX XXXX which made me see a XXXX. Furthermore, when spoke to IC system a few years ago the rep was told me exactly what the bill was for. The rep said the bill is for a visit due to a XXXX XXXX. I am just finding out that that was a HIPPA violation. No one is suppose to know my diagnoses/medical condition outside of myself and the Dr. office ( without my permission ). My medical information should not be exposed for all to see. I did not want my now husband to know I had XXXX issues and others. Now he knows and blames my health for past XXXX problems. I am furious. Which is another reason why I am filing.

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 2019-02-04 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: MS

Complaint narrative:
In XXXX of 2018, I sent a certified letter to Equifax asking them to verify an account listed on my Equifax credit report. Equifax initiated dispute number XXXX. The account is listed in collections, but I do not owe anything to the listed collection agency. From my understanding, if Equifax can not positively verify the account, it must be removed from my credit report. I explained to Equifax when I called them today that the debt collection agency refuses to send me proof that I owe them and keeps demanding that I set up payment arrangements. I have already disputed this with the debt collection agency itself but they reported to my credit anyway with a remark stating " consumer disputes account, '' so both Equifax and the debt collection agency have already been alerted that I do not agree with their claim that I owe anything. In fact, I have been trying for months via phone and via written requests with the debt collection agency to get this issue resolved. The debt collection agency will not respond to my multiple requests for validation. However, today I was told by an Equifax employee that I would need to submit yet another dispute with the debt collection agency and that if they still do not comply, that I would need to file a police report. If the law states under the FCRA that unverified accounts must be removed and if Equifax is unable to provide me a copy of verifiable proof, why is it that I'm having to take additional measures such as going to the police to have this issue resolved? Why isn't the debt collection agency being required to provide verifiable proof that I owe the account listed on my credit report? This is unfair and the fact that I'm being requested by Equifax to provide additional documentation is ridiculous especially if the debt collection agency is not being required to provide verifiable proof of this account. How can I provide proof of something that does not exist? How many letters am I going to have to send to the debt collection agency before something is done? What happens if the debt collection agency never responds to me? The runaround in this situation is extremely frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AL

Complaint narrative:
After one year of attempting to resolve my escrow discrepancy with my Mortgage Company it is finally official they are incorrect on their calculations and managing my account correctly. As of today I have received XXXX tax form information from them and all three were different, plus the escrow amount did not equal my escrow end of year analysis. How can so many dollar amounts be off is unclear to me. This truly shows this company needs to be dealt 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 2019-02-04 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: NC

Complaint narrative:
I am a victim of identity fraud and someone stole my identity and tried to open accounts using my name resulting in multiple inquire on my credit report I want them removed. 







XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Automotive XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX   XXXX, IL XXXX ( 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 2019-02-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experians has a few items on my report that are not correct or updated as follows : 1. XXXX XXXX XXXX   credt card balance is incorrect should be XXXX.

2. XXXX XXXX XXXX  credit card balance is incorrect should be XXXX.

3. XXXX XXXX XXXX  credit card balance is incorrect should be XXXX.

4. Reporting a post office box address is undeliverable for mail in my credit file.

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 2019-02-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This vehicle was repossessed by XXXX XXXX XXXX in the State of  Virginia on or about, XX/XX/17, and resold on or about ( I was never made aware of the resale date, price, deficiency ). 
Under the laws of the State of Virginia UCC Title 8.9A. Commercial Code - Secured Transactions - Part 6 Parts 1 and 2. Default and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.

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 2019-02-04 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: PRESTIGE FINANCIAL SERVICES INC
State: NC

Complaint narrative:
This vehicle was repossessed by Prestige Financial in the State of New York on or about, XX/XX/2016, and resold on or about ( I was never made aware of the resale date, price, deficiency ). 
Under the laws of the State of Virginia UCC Title 8.9A. Commercial Code - Secured Transactions - Part 6 Parts 1 and 2. Default and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I was approved for the XXXX  upgrade program with XXXX through Citizens One Personal Loans Account # XXXX. XX/XX/XXXX I received a letter from Citizens One regarding the above listed account number. I was told that there was a balance that had not been paid when I upgraded to a new phone and the account number changed. Upon calling on XX/XX/XXXX, I was told that the problem with the billing was due to Citizens One. I was not told of a work/investigative ticket # XXXX initiated by Citizens One until my recent phone call on XX/XX/XXXX after being denied the ability to upgrade. With the reason being POOR CREDIT PERFORMANCE WITH CITIZENS ONE. The outstanding debit was {$20.00} that I was unaware of until XX/XX/XXXX. I paid this outstanding debit on XX/XX/XXXX via debit card. I am fine with resolving the debit, but am not fine with the charge off that could have been and should have been prevented. I was never notified that Citizens One investigation with XXXX showed that I was the person that needed to cover the outstanding debit. I did not receive any correspondence via physical mail nor e-mail regarding the findings of the ticket/investigation. The above listed account was paid by a credit card that I provided, but was not charged the outstanding amount. I was given a new account and have paid it without fail as I did the above listed account until this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
A sales representative at XXXX XXXX opened up a new credit card for me with XXXX XXXX during the holiday season while I was shopping there either end of XX/XX/XXXX or sometime in early XX/XX/XXXX. I tried to payoff and close my credit card account because I decided I did not want another credit card and because on the first statement they sent me in XX/XX/XXXX they had already charged me a service charge of {$27.00} on top of the original balance for the item purchased of {$25.00} ( more than 100 % of the balance in less than a month! ). I called the number on the XXXX XXXX Account statement for the first statement I received with a statement date of XX/XX/XXXX in middle XX/XX/XXXX and was put on hold for over 20 minutes and when I reached a representative to pay the card off I was disconnected. I tried again and waited again and I was disconnected. I tried several times after that and was not able to get through. I was finally able to reach a representative on XX/XX/XXXX and paid off the balance at that time on the XXXX  XXXX credit card using my XXXX Debit Card attached to my checking account at XXXX in the amount of {$93.00} which included another {$38.00} service fee on top of the original {$27.00} service fee. I also canceled the XXXX XXXX credit card at that time and was given a confirmation # of XXXX by the online customer service rep. I then received a bill from XXXX XXXX in late XX/XX/XXXX with a due date of XX/XX/XXXX with a new {$40.00} service fee added on. This is all for the same account # XXXX that was supposed to have been closed weeks earlier under my name XXXX XXXX. I have tried logging on online and not been able to and had the same problems getting through on their phone # on their account statement XXXX. I believe this constitutes credit card fraud and they are playing inept in order to charge you exorbitant penalties and fees and will not allow you to pay off the balance or close the 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 2019-02-04 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: NC

Complaint narrative:
This vehicle was repossessed by XXXX XXXX in the State of New York on or about, XX/XX/2016, and resold on or about ( I was never made aware of the resale date, price, deficiency ). 
Under the laws of the State of Virginia UCC Title 8.9A. Commercial Code - Secured Transactions - Part 6 Parts 1 and 2. Default and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.

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