vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Card company has kept charging me an interest although there has been no late payment ; I have paid in full or more money for the standard purchase every month. I called and visted their office, but their explanation was different every monthe. For example, first month ( XXXX ), they admitted their mistake and wavered the interest they charged. 
Next month ( XXXX ), they said there will be no interest if I paid in full for the standard purchase. 
This month ( XXXX ), They charged the intrest again even though I paid in full for the standard purchase. They said they have to charge interest until I repay whole balance including the balance transfer which interest should not be charged until XXXX, 2020. For example, I did balance transfer for {$6000.00} about six month ago as Citi Card said there will be no interest untill XXXX, 2020. For that reason, I paid a fee of {$180.00} for the balance transfer. I think Citi Bank is cheating people with the misleading advertisement and information. I attached Citicard statement for the month of XXXX, XXXX, XXXX, and 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 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
Contacted Equifax four times on XX/XX/XXXX. I had attempted to create an online account with Social Security Administration, the morning of the XX/XX/XXXX. It was denied. I called the SSA and they informed me that an alert had been place on me and I would have to contact Equifax to resolve situation. My first four calls were unsuccessful with the automated system, I then was a to chat online to get a phone number to talk to a " real '' person. I talked to the agent who could not answer my questions, Why is there an alert on me, how did it get there and why was I not notified? I then talked to the agent 's supervisor, no satisfaction there, so I talked to their supervisor, still no answers and finally another supervisor, still no answer to my questions and if fact roadblocked to further inquiries. I believe I gave them sufficient verification of who I am and my questions. Equifax should not have a license to do business and I would recommend the Social Security Administration no longer use Equifax as a resource.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I opened a capital one 360 Money Market account onXX/XX/XXXX At the time there was an offer for a bonus of {$500.00} when meeting the following terms : " Heres the full scoop on how to earn your {$500.00} bonus : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX ET on XX/XX/XXXX, and XXXX XXXX   ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/XXXX, youre ineligible for the bonus. This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account. '' The terms were still up on Capital1 website until XX/XX/XXXX on the following link. ( https : //www.capitalone.com/savings500/ ). That page has been deleted recently but it can still be seen here on ( XXXX XXXX XXXXXXXX : XXXX ). 

I have met every single term by XX/XX/XXXX, and eventually by the end of the offer period had a total of + {$52000.00} deposited to the account. To double check meeting the requirements I contacted Capital 1 on XX/XX/XXXX at XXXX via online chat and spoke with XXXX. XXXX confirmed twice I met all requirements and that I don't need to do anything else to receive the bonus beyond wait for 60 days. The referenced chat log has been attached along with the original terms. 

More than 60 days have passed and bonus didn't post so I contacted Capital1 again  over the phone on XX/XX/XXXX at XXXX and spoke first with XXXX, then a manager named XXXX. Both said I don't qualify for the bonus because I didn't have a " total balance '' of + {$50000.00} and didn't have the funds deposited within 10 days of account opening '' I informed both that those requirements were never in the terms. I read the terms back to them and asked them to specify which one ( s ) I didn't meet and wondered how does this fit with my previous correspondence with Capital 1 and XXXX on XX/XX/XXXX. They acknowledged the existence of the notes from XXXX but never the contents of them, and they kept going back to not having a " net balance '' of {$50000.00} which was never advertised originally. 

On XX/XX/XXXX Capital 1 and I entered into an agreement. I have done all what was asked of me and I even double confirmed that when the offer period was still active to make sure I have done all I need to do. Capital 1 did not honor that agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: CA

Complaint narrative:
my complaint is with XXXX XXXX XXXX  company I made a loan one time and encountered an abuse.It was XX/XX/XXXX when I went to make a payment with cashiers check endorsed as XXXX XXXX XXXX a lady at the counter refuse to accept the payment because it was not written as XXXX XXXX XXXX, it was written as XXXX XXXX XXXX.if did not have time to change the office would be closed for four days they would charge me late fee and the bank would charge more fee for not having suficiente fund.This my first loan after I paid it with no even late one day one month later I received a letter notice of data breach.So that induced me to get loan in order to alieviate from someone using my information and get a loan until I do some thing to prevent identity theft.So when they gave me the contract I saw that the score was XXXX, but the next day when I checked my score was XXXX.And this was intentional falsification to XXXX up the score.Then on XXXX XXXX XXXX I wrote them a letter how we can solve the situation and never received an answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NE

Complaint narrative:
I had called into customer service in XX/XX/XXXX because my grace period was over and applied for the income based repayment plan. I was told that I should consolidate my loans together so that I would have better option of paying off. This customer service agent did NOT educate me on what that meant and had me consolidate. When I called in again to apply for public service loan forgiveness a different represantative told me that had I NOT consolidated that my loans could've been forgiven as I had worked in a qualifying employer since XXXX. I wasn't told that once I consolidated none of that was possible. I have called in numerous times since then and customer service agents all tell me something different. I am very frustrated and just want to know why I can't get my loans forgiven when I qualified for them, instead they want me to start all over from XX/XX/XXXX on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent the following information to EQUIFAX in an attempt to correct information on my report, they have failed to remove, update my report with an accurate status : My information has been accessed and has been used without my knowledge. The information listed below which appears on my credit report does not relate to any transaction ( s ) that I have made. I am requesting the following accounts and inquiries be blocked and removed immediately : Accounts : XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX Inquiries : XXXX- XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX In addition, I was impacted by the Equifax breach. I was advised by legal counsel to notify the police department as well ( see enclosed police report ). There continue to be incorrect addresses that also appear on my credit file. Please delete the following : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

I am further disputing the late payments reporting on the following accounts. I was not late on any of these payments : XXXX XXXX- XXXX, XXXX XXXX XXXX XXXX- XXXX, XXXX XXXX/XXXX- XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX EMPLOYER  is XXXX XXXX since XXXX located at XXXX XXXX XXXX. XXXX, XXXX , GA XXXX My previous Employer was XXXX XXXX XXXX, please remove XXXX XXXX XXXX from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion sent this letter dated XXXX XX/XX/2018 in response to the attached document by me stating THIS IS NOT A DISPUTE. I requested Transunion to provide, BY CERTIFIED MAIL, signed XXXX XX/XX/2018 the individuals contacted from XXXX XXXX   and the information that XXXX XXXX  is providing Transunion enabling Transunion to continue to verify this inaccurate credit card charge off on my credit report. This proves Transunion doesnt read the information provided on this portal. Transunion collects and submit through XXXX. This document was mailed two months ago to Transunion. No reply from Transunion no requested documents only unrequested reinvestigations. TRANSUNION IF YOU READ THESE COMPLAINTS PLEASE RESPOND TO THE ATTACHMENT SENT TO YOU OVER TWO MONTHS AGO and send the requested information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
Hi, I am writing the CFPB to report an incident with USAA in regards to unfair and deceptive acts and practices ( UDAAP ) & the Electronic Funds Transfer Act ( EFTA ).  The problem is that USAA misrepresented the available funds in my checking account thus deceiving me into making a payment that was later reordered to appear overdrawn on the account. I am providing a summary of events as follows. I logged in to my USAA checking account at approximately XXXX XXXX CT on XX/XX/2018. I observed an available balance of {$200.00}. I used this information to make a payment of {$200.00} from my USAA checking account to my USAA credit card at XXXX XXXX. I also tested out transferring funds from an external account. Upon review of my checking account, USAA changed the order of deposits and placed the credit card payment ahead of the reported account balance, resulting in an overdrawn balance. I contacted USAA chat to confirm that this must have been an error on USAA 's part. The chat representative ( chat rep )  claimed initially that my balance was never {$200.00}, then later claimed that the deposit arrived after I made the payment & a transfer. I continued to share details & times of the transactions. The chat rep continued to deny. I explained that I would have to escalate the issue to a regulatory complaint. The chat rep continued thinking I was doing this because of " feelings. '' I reminded the chat rep that the chat provided evidence that USAA appeared to using UDAAP to create the appearance of an overdrawn account & refused to correct the problem. The chat rep claimed they would file a complaint on my behalf. I explained to the chat rep again that USAA 's actions would be different from the regulatory complaint I planned to file. Please let me know when USAA can correct reordering payments and deposits. Thank you for your time, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been a long-time customer of Chase for 8 years plus. Perfect credit and never missed a payment on anything in my life. I received a notice that Chase is raising my interest rate on my Chase Freedom Card from 14.24 % to 16.99 % APR because my rate was lower than the current lowest offerings? So they are raising my rate just because they want to raise my rate not because of any real necessity. I'm being punished for having excellent credit, never missing a payment on anything in my life, and maintaining an account with Chase for 8 years plus. This was not a standard APR rate increase, it was an intentional rate hike of over 2 % just because Chase wants to squeeze as much money as they can out of their existing customers regardless. I called Chase to ask what the specific criteria was used for the rate increase on a customer that has never missed a payment and has been a customer for 8 years plus. Chase customer rep couldn't answer the question and gave me the run around. Why should anyone bank with a bank that punishes longtime customers just because they can get away with it?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Is calling several times a day. Caller refuses to disclose who they until i verify my identy. I refuse. Reverse number look up shows it is XXXX XXXX   debt collection. I have received no mailings from XXXX  XXXX about a debt. The demeaner of the person calling is irrate and rude. The calls are an annoying rate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I owe {$7900.00} to Capital One. During the year, I made some changes to enable me to pay them. I contacted my credit Union for a home-equity loan. The Credit Union told me that I should first become current on my mortgage. Capital One company contacted an attorney who filed a lawsuit. The, attorney, XXXX, XXXX, XXXX XXXX XXXX, XXXX, operating out of XXXX, MD is a debt collector. Just prior to filing the suit, I contacted Capital One and offered he following settlement terms : 1. {$1500.00} to be paid every late XXXX or early XXXX. This would largely come from my tax return 2. Additionally, If during any calendar year, I am able to secure a home-equity loan, I would pay off the full amount. 
3. The debt collector should dismiss the lawsuit, because that would be counter-productive : it would discourage any lending. Additionally, the terms I propose would be more generous than any result of a lawsuit. 

I also contacted a Capital One Vice President by the name of XXXX XXXX, and reiterated the plan. I believe this Vice President forwarded this letter to the law firm. I also sent a copy to the law firm. 

I did not receive any response. I called the law firm. I spoke to a lady. Among the first words she uttered were outright untruth : that a lawsuit, once filed, can not be discontinued. Next, she mischaracterized my plans as " vague, '' even though they contained an amount certain, a period certain, and a certain start date. 

I asked to be transferred to the attorney. The lady would not so so, but transferred me to their " supervisor, '' one XXXX XXXX. Mr. XXXX implied that he wants a judgment so he could hold such judgment " over [ my ] head, '' and could not explain why the plan I proposed is inferior to any results to be obtained from such judgment. 

As I had done before, I wrote to the same Capital One Vice President and told him I was going to file this complaint. 

The lady 's statement is false. You can always dismiss a law suit. My plan is not " vague. '' Mr. XXXX 's admission that they were using the lawsuit to hold over my head is improper. Legal actions are used only to resolve legal disputes, not as threats. I also reminded Mr. XXXX that other pronouncements by him were mildly threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Overview : - Opened a new Checking Account with CitizensBank for Mortgage purposes. CitizensBank had a " Get Paid {$200.00} '' promotion when you open a new checking account with them. 

Promotion parameters : - Open first, new One Deposit Checking from Citizens Bank online between XX/XX/2018 to XX/XX/2018. 
- Make a {$500.00} deposit or more within 60 days of opening. 

What I did : - Clicked through their promotion portal. 
- Opened One Deposit Checking account with CitizensBank using their promotional portal on XX/XX/2018. ( I will include the {$200.00} promotion screenshot when applicable ) - Made a direct deposit within 60 days of opening account and according to my bank statement the first direct deposit of {$560.00} went in on XX/XX/2018 and then another direct deposit of the same amount on XX/XX/2018. 

Waited over 60 days and did not see CitizensBank deposit the  {$200.00} in my checking account. On XX/XX/2018 using the support number provided on the promotion page I called their support ( XXXX ). The support agent I talked to seemed very puzzled, and had me on hold for about 15 minutes collectively as she went to find information on the promotion.I told her at one point that I had the promotion saved and in front of me and if she would want it forwarded to her. She said no and that she was put me on with her supervisor XXXX. XXXX explained to me that they couldn't find the promotion and that they would create a case and forward it to " their '' research department. I also informed XXXX I have the promotion screenshot. She asks me to please forward the screenshots to XXXX. She gives me the case #. I include the case # with the screenshots and was able to verify that she received it on her end. She ends the call telling me a person from the research department should reach out to me within 1 to 2 business days. They did not call me back until XX/XX/2018. And when they did call back the person on the phone only called me to inform me that they could not find the promotion I was talking about. She also made a comment about a promotional code should have been provided to me when the process started, but I remember clearly that I did not see a code presented what so ever in the process. And if there was one, and if it was indeed important to setting up this checking account with CitizensBank I would have made note of it. So I asked her what will happens next? She basically said in a nice way that there is nothing to pursue and that no one was at fault. Needless to say I was not happy with that response. 


They were not willing to make this right and I feel scammed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/18 at XXXX I attempted to check my dispute with TransUnion, and the system wanted me to log in. When i entered my information the system had me fill out additional information, then i was " signed up '' for a credit monitoring service and charged {$19.00}. I noticed immediately when i recieved a bank notification, so i called TransUnion and explained that i didn't want their credit monitoring service and i was only trying to check the status of my dispute. They kept me on hold for quite some time then told me the error had been corrected. 5 hours later I noticed the charge was still pending and no action had been taken, so i called back, this time after i explained what happened again the employee said she was having trouble accessing the system due to a company wide " update '' i was put on hold multiple times for about 30 min. finally i was told to call back in a few hours to see if they could access the system. I asked to speak with a manager, this happened promptly and the " manager '' was able to immediately tell that the " service '' had been canceled but the charge was not removed because they assumed i wanted the service for the current month, despite the fact that I told all 3 of the people i spoke with that I was guided through the signing up process on their website whild checking a dispute against my credit not buying credit monitoring. I asked the manager about the system wide update and how she was able to access my information so quickly during it, she said that employee was having computer trouble. She said that she would refund the money for me because i had called back on the same day, but it might take up to ten business days to process. I was very upset at this point and just told her thanks and got off the call. I called XXXX afterwards, they put the money back in my account right away and disputed the charge. 
I feel like i was scammed into signing up for it in the first place then lied to about the charge removal. Then lied to again about the computer problems in some kind of attempt to keep my money while I waited for them to " fix '' their system. 
I'm not even sure if you are the orginization I should be writing this to, but I wanted to tell someone at least.

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