vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I used citibank diamond preferred master card credit card for making paying towards XXXX to bureau of XXXX on XXXX XXXX, I also make payment of amount XXXX dollars towards my internet connection provided by XXXX The citibank fraud department disputed these charges the XX/XX/XXXX without my authorizational and didnt not contact me or seek approval regarding this dispute at all. It should be consumer who need to initiate the dispute. 

As a result XXXX was declared void and I received a letter in XXXX from the bureau of XXXX to make the payment plus XXXX dollars file because earlier credit card payment was disputed and refunded. The method of payment needed to be personal check or cashier check. I make the payment via personal check of amount XXXX . 
In XX/XX/XXXX the citibank for some reason make the payment of XXXX dollars to Bureau of XXXX, this also without my permission and I happen to know about this by finding this transaction in my XXXX statement. Now, there is double payment to the Bureau of XXXX. 

The citibank is consistently avoiding to resolve this issue and trying all the delay tactics to not to recover the amount. This include blaming me for this fiasco and not accepting their mistake, forwarding the case to citibank investigator. The whole issue is created by the citibank and I have not role and input to their actions. I need help resolving this issue The citibank was wrong in 1 ) disputing the charge the first time without my authoirization 2 ) Keeping me in the dark during this dispute process and not seeking my approval 3 ) Making the payment on XXXX XXXX on my behalf without my approval and without notifying me 4 ) Delaying the reversal of this payment as I didnt authorize this payment. I authorize the XXXX XXXX payment which the citibank disputed on its own As a result I have to exprience 1 ) Fine for late payment and have to write XXXX $ ( XXXX plus XXXX dollar fine ) 2 ) not been able to make payment to the comcast by credit card and have to make cash payment in person 3 ) force to pay XXXX dollars as a result as the citibank is not interested in recovering the amount which they paid without permission. 
4 ) I was forced to take immediate action to avoid voiding the XXXX license because of citibank disputing the charges. and not letting me know that the payment is reversed 5 ) Massive frustration because of citibank delayed tactics. i send the personal check copy as proof of payment three time before the acknowledge receiving it ( as an example ). Any phone call to them starts with their no knowledge of this issue. 

the citibank does not appear to acknoledge their mistake and doesnt appear to address this issue.

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 2017-02-24 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
When Cosco no longer accepted XXXX I walked into the store and was guided to an area where I signed up for a new Cosco credit card at which time the sales rep said the interest rate was 8 % and that was it so I believed them and signed up well when I checked my statement come to find out its 15 % and 29 APR which is something that was not told to me I called and explained that they was false and that I need my interest rate lowered and Citi Bank Cosco said sorry but they cant help me I am not rich and I have great credit but now because I was sold on lies they refuse to help and at least lower my interest rate at least to 10 % if not 8 which was told to me at the sales counter at Cosco I want them to do what was told to me at Cosco

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 2017-03-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
I had an outstanding medical bill to XXXX ( XXXX ) which I paid. I am continuously receiving harassing phone calls during work hours and after work hours from TransWorld Systems ( XXXX ) a debt collection agency hired by XXXX. Transworld is also constantly sending me mail as well and now they are adding on interest fees. I have explained to TransWorld on several occasions that this has been paid and have given them the date it was paid. I also told them it was paid through the XXXX website as well and that I had a confirmation number for the payment. They continue to contact me. Today I called XXXX, I first spoke with XXXX who told me that there was no balance on my account, this I know, so I explained to her what has been happening and she said I needed to speak with XXXX and transferred me to her. I explained to XXXX what has been going on and that I have told TransWorld several times that this bill has been paid in full yet they continue to harass me. XXXX hung up on me, apparently this was her professional solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I am filing a complaint against Ocwen Loan Servicing XXXX for Improper Record Keeping : Failure to post payments to account in a timely manner and Overcharging {$290.00} : Charging for Property inspection Fee {$12.00} and Valuation Fee {$280.00} claiming account was delinquent because of their Improper Record Keeping. 
This is a list of my payments1. XX/XX/XXXX {$1100.00} thru XXXX Reference # XXXX. XX/XX/XXXX {$1100.00} thru XXXX Reference # XXXX. XX/XX/XXXX {$1100.00} thru XXXX Reference # XXXX. XX/XX/XXXX {$1100.00} thru XXXX Reference # XXXXPayments for XXXX & XXXX were sent to XXXX because I accidently put the wrong account # XXXX ( Account was paid in full ). It took Ocwen 3 months to get it applied back these funds {$2300.00} ( XXXX payments of {$1100.00} each ) to my account. Ocwen reps were nasty and rude each time I called. XXXX sent the money back on XX/XX/XXXX. After several calls, Ocwen posted the money to suspense account instead of payment account on XXXX/XXXX/XXXX. XX/XX/XXXX {$1100.00}. XX/XX/XXXX {$770.00} Told to pay by Ocwen CSR since the principal was deferred and the payment decrease {$10000.00} ( credited to suspense account ) not to payment account Ref # XXXX. XX/XX/XXXX {$1100.00} thru XXXX Reference # XXXX was returned by Ocwen claiming my account was overdue because Ocwen refuse to post the payment from XXXX. Note this payment was replaced on XX/XX/XXXX with Ocwen Rep on the phoneXXXX. XX/XX/XXXX {$1000.00} thru XXXX Reference # XXXX ( NOT POSTED TO ACCOUNT ). The voice record says my account is behind. My account should be current if Ocwen post all payments to my account in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Atlantic Credit & Finance, Inc.
State: IL

Complaint narrative:
I have been receiving calls on my cell phone and work phone multiple times per day from XXXX at Atlantic Credit & Finance about payment of a past due XXXX Account. He threatens and is very rude and condescending. They have sent me NOTHING in writing to tell me what my balance is or what my options for repayment are. They just demand I commit to paying them {$50.00} every month. We are looking at many items owing and I told them we are evaluating what we can commit to. He then threatens me and tells me they wo n't wait and will just sue me. Again I ask for something in writing showing my balance. I paid XXXX directly {$120.00} this month and they can not tell me in fact if it was applied to my accout

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
On a recent phone call to XXXX I spoke with a XXXX XXXX concerning possible refinancing of my Wells Fargo Home Mortgage. XXXX mentioned that Wells Fargo had not reported 2 1/2 years of payments to any of the credit agencies ; thus my credit score did not clearly reflect my credit score. I telephoned Wells Fargo on three occasions to discuss the reasons, and I was told XXXX different stories. Due to XXXX in XXXX of 2013, I had to file Bankruptcy Chapter XXXX which was discharged in XXXX 2013. Wells Fargo keeps telling me that my attorney, XXXX XXXX in XXXX XXXX, WV did not file a re-affirmation agreement to not have the Home included in the Bankruptcy. My attorneys office tells me it was up to Wells Fargo Home Mortgage to send the re-affirmation agreement. Thus, this XXXX year old is caught in the middle of this chaotic problem where someone obviously screwed up when my bankruptcy went to Federal Court in XXXX, WV. My attorney requested I pay him {$400.00} to reopen the Bankruptcy. What gives here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
For the XX/XX/XXXX tax year Wells Fargo bank issued an incorrect IRS Form XXXX stating that my rolled over IRA account was a normal distribution and the entire amount is now taxable. On top of that, they also issued another Form XXXX for the required minimum distribution from that retirement account. The rollover of my IRA account took place inside the bank on the same day. 
When I requested a corrected Form XXXX, the bank employees stated they could not do so but the bank would be sending out some other Form in the Month of XX/XX/XXXX that would clear everything up. I do not know how to submit my XX/XX/XXXX tax return with this paperwork and I do not understand why there is such a paperwork problem with a simple IRA rollover.

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 2015-10-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I did file complaint XXXX and I am not happy with illegal action from Welles Fargo Bank and their lack of response. the facts about the case as follow:1- I had owned a home located at XXXX XXXX XXXX XXXX XXXX CA XXXX which I had sold on XX/XX/XXXX. the loan on the property was with XXXX. 
2- The line of credit balance at that home at the time of sale was XXXX3- In XX/XX/XXXX Welles Fargo Bank reported me that I still own the home and Foreclosure started due to the Line of credit was not paid. This all False informations4- I did sent the Settlement statement to Welles fargo which indicated that I sold the home in XX/XX/XXXX and Pay off proof from the Title company but they still insist that I own the property and what they reported to the credit Bureau is correct. 
5- I asked Welles Fargo Bank to show me any evidence indicate that I still own the Property and if they have any evidence that the line of credit balance at the time of sale. they are not showing any evidence and they do n't wants to admit the mistake. What Welles Fargo bank is doing with lack of communications and not providing any documented evidence is Illegal.I had called them and left multiple voice mail followed by multiple faxes with no response. 
6- It is a public recored which show that I sold the property in XX/XX/XXXX. and there is no evidence from XXXX XXXX /Welles fargo that the line of credit at the time of sale has any unpaid balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX XXXX we contacted Wells Fargo to refinance our mortgage to a lower interest rate. 
On XXXX/XXXX/XXXX I notified our loan agent, XXXX XXXX of our XXXX/XXXX/XXXX " signing '' appointment with XXXX XXXX at XXXX and told XXXX that the papers indicated that {$970.00} was going to XXXX. I asked how to fix this as we have XXXX and the annual premium had been paid out of the original mortgage escrow account on XXXX/XXXX/XXXX. 
Neither XXXX nor XXXX showed for the signing appointment. Immediately after we signed the documents, I again contacted XXXX to tell him the error had not been corrected and ask again what we need to do to fix it. He referred me back to the title company and they referred me back to Wells Fargo. 
Wells Fargo has been putting us off over and over again ( almost 5 months now ) and still will not provide us a " closing disclosure '' that reflects the correct distribution of the {$140000.00} that we now owe them. 
XXXX XXXX has not returned any of my calls or responded to any of my email inquiries since XXXX/XXXX/XXXX when he forwarded a response from the title company with a new " final statement '' document ( which indicates the total loan amount as {$140000.00} ). That document also states " This document is not intended to replace the " closing disclosure form. '' On XXXX/XXXX/XXXX we received an amended " closing disclosure form '' from Wells Fargo which is still wrong and still indicates {$970.00} to XXXX! Since XXXX/XXXX/XXXX we have been trying to get the corrected document from XXXX XXXX at Wells Fargo Customer Care and Recovery. The last contact with XXXX was by telephone on XXXX/XXXX/XXXX indicating she still had no answer for me and had no idea when she would. 
We just want to know where that {$140000.00} really went. And it is tax time and we need to give the right information to our tax preparer. The longer this goes on the less we trust any documents we get from Wells Fargo. 
There are many more issues on this document - not just the {$970.00} homeowners insurance to XXXX which is the most glaring error. 
Can you help us to get a corrected " closing disclosure form '' from Wells Fargo that indicates where this money really went?

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 2017-03-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: KEYCORP
State: NY

Complaint narrative:
Rec 'd letter back from XXXX from a person named XXXX. She states that the education loans have a cap of 25 %. Math is black and white. The loans I have have a 48 % interest rate. It is now my understanding the they can compound interest until they get to 25 % and then they have to stop. This surely would be in the best interest of the young adults with school loans, car loans, mortgage payments and babies mouths to feed. It surely would be in the best interest of our country to have educated people and who were n't afraid of loans like they are of bad marriages. If you can do Math, you can figure out, not like XXXX, from XXXX, that the loan I am a co-signer on is 48 % interest. Here are the figures : Original Loan Amt : XXXX. Total Amt Paid : XXXX. Remaining Balance : XXXX. And if the cap is 25 %, then all I owe is XXXX, and that is all I am going to pay, not XXXX!!! And for all the school loans, several people need to be hired to re-calculate this criminal usery and injustice to this generation who are raising families. My desired solution is to have my loan recalculated to 25 % interest rate, and everyone else 's school loans re-calculated to 25 % interest rate. By the way, most interest rates can not exceed 22 %. Thank you for doing something about this atrocity. This is an abomination to our next generation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I WENT TO XXXX AS SUGGESTED BY XXXX FICO TEAM AND THIS WEBSITE.  I ORDERED ALL XXXX CREDIT REPORTS. I RECEIVED THE FIRST REPORT FROM EXPERIAN AND SAVED IT. I THEN DISPUTED AN INCORRECT ISSUE AND RE-SAVED.  I WAS THEN PREVENTED FROM PROCEEDING WITH THE REST OF THE REPORTING. I WAS, HOWEVER ABLE TO NAVIGATE ANYWHERE ELSE (PURCHASE CREDIT PROTECTION OR ORDER A XXXX SCORE). THERE IS NO PERSONNEL ANSWERING THEIR LINE.  I THEN CONTACTED THEM VIA THE ONLINE "CONTACT US", BUT HAVE NO WAY TO GO BACK TO MY REPORT.  THIS IS UNACCEPTABLE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
I have been informed by the original creditor that Transworld System Inc, is the collector for this debt, I have never been informed and or received any type written communication or notice from Transworld System Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A new vulturous collection agency named XXXX XXXX XXXX is reporting on my credit in the amount of {$990.00}. This account has been removed from my account over and over and then reappears under a different name each time in which Experian has not been able to verify and all have been removed. However, it is reporting again. This has got to stop!! This is an invasion of my good credit and has been going on for over 7 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I submitted a dispute to Transunion in XXXX 2015 stating that my payment history for XXXX account number XXXX that was incorrect and supplied a copy of a letter from the credit granter XXXX sent to the Ohio Attorney General stating that the account was never reported as late. This letter was in response to a complaint to XXXX over my payment history that was being reported incorrectly. They state that they never have reported my account as XXXX days past due. after receiving my results from XXXX I called XXXX and they told me that they did NOT verify to XXXX anything. The lady then checked and said that they are reporting that I have never been late and that they can not control what and CRA puts in the report. I demand that XXXX correct the my credit report to reflect that I have never had a late payment like XXXX states in the letter, remove the account all together, or provide proof that they contacted XXXX and received a valid payment history. I demand that they provide who they contacted name and phone number so I can verify with the person that they verified it with since XXXX says they did not verify with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I traded in my XXXX to XXXX XXXX financed by 3 months before the termination of my lease and purchased a XX/XX/XXXX Escalade with 0 % financing. 4 weeks later I had to turn in the XX/XX/XXXX Escalade as the dealership had made a mistake by offering 0 % financing on a XX/XX/XXXX I turned the car in and they replaced it with a XX/XX/XXXX XXXX which I have today and is being financed with Ally. 
I turned the Hummer in early ( 3 months ) at the request of the dealership as they told me GMAC ( purchased by Ally ) had a promotion where I could terminate the lease early as long as I was purchasing another vehicle financed by GMAC. This is what I did. It appears the dealership never turned in the proper paperwork. It took me 2 years to straighten out as the GM who handled the deal, had left the dealership. They finally admitted their error and paid off the remaining outstanding balance.However Ally has reported this transaction to the credit bureau as late and a write-off which is just not the case. This reporting has had an adverse effect on my credit rating and has impacted my line of credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit rating is being maligned by XXXX XXXX on behalf of XXXX. I have disputed the issue with XXXX XXXX & all XXXX major credit reporting agencies, XXXX, XXXX & TransUnion, whose report numbers I have entered in the field for 'Original dispute case numbers. ' To date, since fileing a complaint with cfpb, XXXX has ceased to continue this negative reporting on my credit records. XXXX & TransUnion continue this negative reporting and It is unfair & completely unjust. To better understand my situation I ask that you please read the document I will upload, XXXX Letter of Dispute XXXX/XXXX/XXXX ' to more fully understand my situation. I will also upload all supporting documents. Thank you for your time & effort, Sincerely, XXXX XXXX XXXX ( XXXX XXXX/XXXX/XXXX ) I would like to repeat, that since beginning this dispute, 'XXXX ' has agreed with my dispute and deleted this negative report from my files. I would ask that XXXX & TransUnion also delete this negative information from my files, as well. Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I had the mortgage co make a big mistake on my mortgage so they sent a letter out to all agencies to remove any negative marks for XX/XX/XXXX and XX/XX/XXXX as is shows on both XXXX and trans union! This went out in several months ago and i requested a new one today so i am attaching both my letter and a copy to show the lates they are reporting in error!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation