vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-22 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: EQUIFAX, INC.
State: IN

Complaint narrative:
In XX/XX/2021. We removed our Credit Freeze to use our Credit. We required a Loan to Buy a replacement Car. 
We were turned down by some Lending Institutions. We did secure a Bank Loan and make a purchase. My Wife received notifications from Credit Reporting Agencies. One Agency saw fit to send my Report to MY DEAD FATHER. OR was it my REPORT? Whodunnit : equaf.. in GA AGAIN. I've been Victim of Identity Theft. This has to stop. It is required by Law we get these notifications when our Credit is declined and by whom. They have XXXX  this AGAIN. Collecting and dispersing my DEAD Father 's Data as mine AGAIN. I've called many times since. Promises, promises ... The Ball is in your COURT. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: WA

Complaint narrative:
In the beginning of XX/XX/2021 I received a letter from from chime stating that IRS was requesting documents. ( During covid my divorce finalised and was waiting to change my name ). The letter said no later than the XXXX. On the XXXX I messaged them asking how I can send them and what documents were needed. I turned all the information in, they sent me a email congratulating me about my name change and sent me a new card. I activated it around the XXXX of XXXX used it and by the XXXX my account was closed. I tried getting in contact with someone and an automated voice over the phone just said my account was closed and I cam reach them over text chat on the phone app. So I tried logging in only for it to tell me that I needed an account to log in. So I reply to the last email I had with them and they said we never got the info. Immediately I responded with that was incorrect and sent them a copy of the new debit card and my new ID. They responded back and said that's just your ID we need the other information. So I sent it another time. Waited a few days with no response. So I keep messaging them, still no response. Finally, I said forget it and said I want the account closed and to send me the money in the account ( 7,000 dollars and maybe more because my child tax credit is usually deposited around that time ). Still no response on anything about my money. Its been over a week and I haven't heard anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
Within the last three months and never gave me a chance to squash legally or denied and be notified assisted the criminal illegally to commit fraud then denied the rightful entity she was obligate as the branch manager to be concerned about this matter she said she was was sorry numerous times assuming liability personally as I am about sure she knew she would incriminate herself XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: LA

Complaint narrative:
i called the company and tried to report fraud i told the lady on the phone that i didnt charge anything and that i didnt receive any thing she pretty much called me a lier so at this point i dont have anything else to discuss with them i then checked with the credit bureaus and they filed it on my credit i tried to explain i didnt get or order anything, well i filed a dispute with each credit bureaus and they investigated the claimes and after the investigations they were removed after months XXXX XXXX and XXXX XXXX tried to put it back on my bureaus and they werent allowed to but XXXX did allow them to put it back on and when i was speaking to the woman she told me i disputed it twice in 2021, well here we go again i never disputed it again in 2021, i dont know whos doing this but its not me, i have had my checking accounts hacked where they took all of my money out of my accounts from XXXX XXXX i have been an identity theft victim and every time i turn theres someone saying i applied for something, i the only thing slowed the problem down is to freeze my account, im so tired of this, i have filed identity theft reports over and over i have received notices that my information was hacked twice from XXXX  where they offered me free security orotection for a couple of years how do i know whos doing this.i think they need to be investigated to find out why they allow this to happen to me when they are a part of the problem they were hacked they released my information to others, right now im fighting the post office, usps and XXXX  about fraudulent charges and stolen packages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover is in many violations. I have been a victim of identity theft and I'm very irritated because I have not gotten one piece of correspondence. The account does not belong to me. Today I actually called and was told that a law firm took my file. I called the law at XXXX when I called I was told they dont even have my file. Then I called discover back again and after several transferred calls I was transferred to a law firm by the name of XXXX and I was told my case is on hold. He advised that my claim was denied back in XXXX. However until today I have not received anything from Discover how can tis even be valid??? to top it off the bureas claim my information is being verified when discover does not even have my file. There are many violations and no one is doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
I have an Indigo credit card by Genesis FS. Ive had the card for one year. The minimum payment has been {$40.00} every month. I have not used the card since XXXX. They added a {$99.00} annual service fee in XXXX. The limit is {$300.00}. The balance is now {$360.00} bc of their fee. The minimum payment went from {$40.00} to {$100.00}. The people in XXXX are telling me I overdrafted the card bc its over but its their fee. The minimum should still be {$40.00}. It should not skyrocket to {$100.00} because of their annual fee. I asked the guy in XXXX if I just pay {$68.00} to get the card under the limit will that work but I dont want my credit report being hit with a late. HE DIDNT KNOW WHAT A CREDIT REPORT WAS. This is absurd. How is that possible? This is predatory. They shouldnt be able to do this to people with bad credit, who are their clients. Im trying to rebuild my credit. They shouldnt be allowed to do that and they should have people working for them with basics knowledge of how credit reporting works. Ive attached my balance statement. The payment history of {$40.00} a month and the {$99.00} annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I have submitted proof of flood insurance and they continue to add forced placed flood insurance. I need it removed.

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 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I noticed that XXXX has removed my XXXX  XXXX bankruptcy from my report. The bankruptcy was filed on XX/XX/XXXX. XXXX website states it will remain on my file for up to 10 years. This is a federal Bankruptcy so I would think the credit bureaus would be required to be consistent in reporting information. They told me it will remain in my report until XX/XX/XXXX. I have excellent credit since the bankruptcy so one would think they would take this into consideration when saying it will be on the report for up to ten years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Tesla, Inc.
State: GA

Complaint narrative:
Car leased from Tesla leasing for 2 years and lease extended by another 6 months. 
Appointment made as per instructions to return the leased car on XX/XX/2021 XXXX car, odometer reading was taken at Tesla dealer site, handed back both keys. 
Had me sign a paper but never got any confirmation copy of returned vehicle paper. 
Asked about the final paperwork confirming return and was told Tesla Lease would be touch as the place of return was just the Tesla dealer store. 

Had made the full XXXX payment from XX/XX/2021 but returned car on XX/XX/2021. 
Impossible to get anyone on the Tesla lease phone, so sent multiple emails asking about refund on excess paid. 
Was informed that since I did not upload inspection photos, they were waiting for dealer to do that. Nowhere was it mentioned I needed to upload inspection photos when appointment was made to return the leased car. Dealer could have done it at the time car was returned but nothing was done, except key taken back, odometer reading jotted down, and a form that I had to sign. 

Kept continuing to get bills to pay lease amount for XX/XX/2021 due XX/XX/2021. 

A couple of days ago received a bill from Tesla lease saying I owed alomst a {$1000.00} for wear & tear. No explanation, no breakdown of costs and why. 
Emailed asking for details. Was informed a breakdown saying a key was missing and for replacement of all tires and rims. 
Upon stating & insisting both keys were returned, they agreed to take off the {$25.00}. I have asked for copies of the photos based on which I am being charged the wear & tear... .something that should have been sent with the bill as proof! 
The photos were sent but what is the proof these are from the car I returned. 
This is the reason the inspection, photos and paperwork needed to be done while I was present when I returned the car! 

Today my account for the already returned vehicle shows it was returned XX/XX/2021 and now the balance is at {$1300.00}! Am being charged for XXXX lease payment too while the car was returned on XX/XX/2021. 

It has been an absolutely frustrating experience returning the leased vehicle, with getting someone to look at all the information and provide a resolution. 
Plus all the extra charges which had never been mentioned nor the process completed properly, so no proof for the customer. Intentional? 

Much as the experience was so smooth, easy, courteous at the time of doing the lease, it was the worst for returning a lease! Tesla lease seems to be trying to rip customers off, and especially where my vehicle mileage on return was well below the allowed limit and where the car had been kept in a good condition. 

Never again will I lease from Tesla Lease and will inform all I know to also not to do the same!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I've attached the complaint letter I filed with Chase/J.P . Morgan on XX/XX/2021. 
I received a phone call from XXXX XXXX today, XX/XX/2021 apologizing, and saying that my funds are now available. And that's it. Nothing about the delinquency in the branch not depositing my funds as directed by another financial institution and on time. He made it clear that Chase " would not be compensating me for this experience, but he apologizes and it shouldn't have happened. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX and XXXX is reporting the account type as an auto loan this is factually incorrect because The account you are reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " Credit sale Agreement '' I have the right to an accurate credit file and discrepancies like this are unacceptable XXXX XXXX and XXXX also failed to mark this account as disputed violating CRA 623 ( a ) b ) by failing to mark this disputed account as disputed

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 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Bankruptcy is incorrect never filed for bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted American Express for a travel credit that I had not received for my Platinum Credit Card. American Express would not honor the credit until I finally called them on the phone. 

While I was dealing with them, they offered me a retention bonus offer of XXXX rewards points If I spent XXXX dollars within 3 months of accepting the offer. I advised the representative that the offer was fine, but I still wanted my travel credit. This was before they had credited me for the XXXX dollars. I met the spending requirement, and reached out to American Express on XX/XX/2021 to confirm when I would receive the bonus points. The rep advised me that " I did not accept the offer ''. I advised him that that was untrue. I filed a dispute which was XXXX. On XX/XX/2021, I reached out to check on the offer, I was told that it would take 7-10 business days for a resolution. Today, XX/XX/2021, the tenth business day, I once again reached out to AMEX. After being transferred several times, I was told " The Dispute was automatically closed, due to the customer declining the offers '' I was never notified, and was never offered an explanation. 

This entire transaction is on my chat, and is saved on the Amex APP. Amex uses bait and switch tactics to lure customers into thinking they are being taken care of for poor service. I met the spending requirement, and continue to be led on. I would like to receive the XXXX rewards points that I deserve. I asked American Express to provide a pdf of the conversation, they were unable to due to " Privacy Reasons ''. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank had a special, bring over certain increments of money and receive a bonus. I opened an account and brought over {$50000.00} and was to receive {$700.00} after 90 days. I did my part and never received my {$700.00}. The money was due no later than XX/XX/XXXX according to the rep I spoke with. I started a phone investigation with them and I went into the XXXX XXXX Citibank branch and the branch manager started an investigation as well. Both the manager and the phone rep assured me we had opened the proper account and deposited $ XXXX in a timely manner and I should receive the money. I still do not have the {$700.00}. I have since taken out the $ XXXX ( that was in XXXX ) because I don't want to bank with them and left about {$27.00} in the account just to keep it open until I get this resolved. I have called several times to get to the bottom of this only to be disconnected after XXXX minutes.

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 2021-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
XXXX XXXX XXXX i intiated a money transfer using my XXXX XXXX checking account going to my venmo account i. The amoint of {$500.00}. It was supposed to go into my venmo account on XX/XX/XXXX got a confirmation from XXXX XXXX stating that the funds already went out on XX/XX/XXXX and showed on my XXXX  account. According to venmo they havent recieved the funds and that XXXX declined the payment. Now it clearly shows on my XXXX bank statement - {$500.00}. I called both merchant and they are both telling me two different stories saying it went thru and the other saying it did not and i cant tell who is telling the truth but theres obviously something going on because these picture tells it all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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 — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Rooting out unfair, deceptive, or abusive acts or practices by writing rules, supervising companies, and enforcing the law. 

Enforcing laws that outlaw discrimination in consumer finance. 

My complaint of retaliation and discrimination, and deceitful, unfair and abusive practices keeps getting stated that it is the same complaint. 

It is illegal for a company to retaliate for filing a complaint, but Citibank has done just that. I have filed a complaint with the Ombudsman to ensure that conspiracy to rob me of my rights is not taking place. 

Citibank lied and stated that I did not pay them in XXXX XXXX XXXX. I submitted proof that they were paid the minimum amount on XX/XX/2021. My payment is due on the XXXX if each month. I am resubmitting proof. They also reported a high balance. 

As soon as I filed this first complaint to the CFPB, a day later Citi retaliated by reporting me late to all three FCRAs, this dropped my score XXXX points ; although their policy does not permit reporting of a consumer until after 60 days of non-payment- which would be XX/XX/2021. 

As a result of the discrimination and retaliation, I filed a new complaint with the CFPB, and the negative reporting was immediately removed. My score went back up to the original score the next day-XXXXback to XXXX points higher. 

On today XX/XX/2021, due to the fact the the CFPB threw out my retaliation and discrimination complaints regarding Citi inequitable application of polices, and paid multiple payments since then, Citi has AGAIN abused thier power and retaliated by reported me late ; although I have never reached a 60 day late status and my balance is much lower-almost {$1000.00} lower. 

I have filed an Ombudsmen report as Citi is being allowed to discriminate freely by claiming their retaliatory and discriminatory actions are, repeat, complaints. 

This is an abuse of the system put in place by the Obama administration to protect XXXX women, and other minority groups that are abused by these large corporations. Is retaliation not protected in this space as it is in other governmental sectors? 

Please advise.

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 2021-12-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Uprova Credit, LLC
State: NE

Complaint narrative:
I was contacted on XX/XX/2021 that I had a payment due in the amount of {$270.00} on XX/XX/2021. I've never applied with the company nor authorized them to open a payday/installment account in my name. Furthermore, I never received funds from said company for said account. 

I reached out to them on XX/XX/XXXX to submit a fraud complaint and have not heard from anyone within the company. I've called daily for an update and no one can give me any information as it pertains to this account. 

After researching this company it is known that Uprova has done this to multiple other people and even sent their accounts to collection. 

This is very illegal business practice and should not be tolerated.

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 2021-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX I applied for a Amazon card through Chase bank. I recieved a call from letter from chase letting me know I had a freeze on my account and had to remove it before I could have my credit checked. My credit was unfrozen checked and a few days later Chase called me and verified the account and approved me over the phone for a XXXX signature card and sent me the email while we were on the phone together. I was suppose to recieve a XXXX credit to my Amazon account and be able to add the card to my amazon account to begain shopping. None of the links in the email worked so I had to call customer service and get her to take a look at things and she rushed the card out to me one day mail so I could make an order for XXXX. I made my order and all was well except 2 days letter if that the order was declined and my account was closed and still I have no idea why. To add insult to injury my credit score was pulled several times by chase and after holding hours at a time to talk to someone about what happened the last representative said they have no idea why it was closed and had no information they could give me. Today I recieved a letter saying they were so sorry about what happened with my XXXX Amazon card and it had been issued to my amazon account and there is nothing there either

Company response to consumer: Closed with explanation