vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
We tried to refinance our mortgage with CitiMortgage. The appraiser ( that we had no input in ) valued our home at least {$30000.00} to {$40000.00} less than what it could be sold for ( people in our neighborhood have sold for good money ; the appraiser was biased because we have a trailer park we share a fence with ). We were told to get a XXXX loan for {$2200.00} and that would cover all closing costs. We were told if we sent paperwork by XX/XX/XXXX we could close on XXXX. We were asked to send banking information proving the XXXX loan money twice along with other banking transactions. When we asked if we were still on track to close on XXXX ( we emailed on XX/XX/XXXX ) we were told we are not on track and now we need {$3000.00} more to close ( they never mentioned this before we asked ).  XXXX from Citi acted like she had never heard of someone stating a closing date ; which we have proof showing SHE told us a date. We asked well before closing and taking the XXXX loan on XXXX about the discrepancy from original contract of {$340000.00} and updated contract info of {$330000.00} on XXXX but were not given a straight answer. I was a Citi customer for a decade with my last mortgage ( never paying late ever ) and now they have made it impossible to communicate with us or refinance with them in a professional manner. The communication is awful and the lack of answers on Citi 's part is disgraceful. I have all of the emails and I am willing to send you everything. Please review.

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 2019-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Sent me a bill for interest after having paid off the balance of my credit card. They do not give an actual payoff balance when you call in. They give you a minimum due, a last statement balance, and a current balance as payment options. Apparently the current balance option is not actually the current balance because they are not including the interest for the previous billing cycle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
We had filed a complaint with CFPB Ref No : XXXX and XXXX ( AMEX Ref : Ref : XXXX and XXXX ) regarding not receiving initial welcome bonus as per offer on American Express Delta Skymiles Gold Credit Card. 

As per AMEX letter dated XX/XX/XXXX - " You applied and were approved for the Gold Delta SkyMiles Card on XX/XX/XXXX. Your application included the opportunity to earn XXXX XXXX XXXX after {$3000.00} or more in eligible purchases are made on the Card within the first four months of Card Membership. '' However, letter also stated that we were advised that we were not eligible for bonus offer during time of application and I elected to proceed without welcome bonus offer. I wish to state that the above statement is not true. I have not received such message during my application and hence I was not aware of any ineligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On Thursday, XX/XX/2019, I received an email saying that my email and home address had been changed on my two credit card accounts. I contact the credit card company immediately and spent an hour on the phone with them. They assured me everything was changed back and a restriction was put on my account. I asked specifically since I was on the phone right away that these cards would NOT be sent out. She assured me we caught it on time. I made sure BOTH the accounts were fixed and she said yes. Now 14 hours later I get another email from them stating that my cards were XXXX XXXX XXXX to the fraud address in Florida AND they charged my account a rush fee, {$16.00} each, for both cards on my account. I contacted them and told them and they act like they have no idea what is going on. I called XXXX XXXX and they said the only person that can stop the delivery is Capital One, yet they act like they don't know who to call XXXX XXXX to stop this delivery. I did my due diligence to try to protect my identify and they did nothing. I have been on the phone twice with them and they did nothing. I begged them to call XXXX XXXX to have this delivery canceled and they refused. They acted like they had no idea how to reroute a package when XXXX XXXX told me all they had to do was call and stop the shipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: WA

Complaint narrative:
A bank that gave me a deposit slip on XX/XX/XXXX confirming receipt of checks and cash totaling {$2300.00}, today notified me that they're debiting my account by {$1400.00}. 

I'm the XXXX of a XXXX XXXX XXXX XXXX XXXX organization that banks with XXXX and as XXXX I regularly make deposits in person at a local USBank branch following events that the organization holds throughout the year. I always keep an XXXX spreadsheet with a breakdown of the deposit that identifies each check being deposited and the number of each kind of cash bill being deposited and I have copies of almost all such deposits going back to XXXX as Ive been XXXX all those years. 

On XX/XX/XXXX, the organization had a luncheon for seniors event where the charge to attend was an even {$20.00} per person. About 125 people attended the luncheon ( we were only charged for XXXX ) and we collected some payments in advance but most people paid at the door. On XX/XX/XXXX, I made an in person deposit at the bank totaling {$2300.00}, consisting of ten checks totaling {$590.00} and cash totaling {$1700.00}. The {$1700.00} cash breakdown was all in bills, XXXX XXXX, XXXX XXXX and XXXX XXXX. I received from the bank teller a stamped deposit slip for {$2300.00}. 

At least 2-3 weeks later, the bank called to tell me that there was a discrepancy in the amount of cash received and especially in the number of XXXX deposited that day. I told them that I was absolutely sure that I deposited XXXX XXXX dollar bills and suggested they check their camera footage. Over the following couple of weeks, they called again 3-4 more times and I even sent them a copy of my spreadsheet showing my deposit breakdown, etc., and pointed out that my file folder date and timestamp on that spreadsheet file was for the day and afternoon before the deposit was made. 

Today they called again and I asked them to send me an email as I was getting frustrated with all the calls. The email today says We will need to debit {$1400.00} from the account ending XXXX since we did not see XXXX bills of XXXX on the date of XX/XX/XXXX. 

That email also raises another issue for the first time : " I dont see any large cash deposit on the account ending XXXX for past few years, so wanted to check why only this time you had large cash deposit. '' She obviously didn't check my XX/XX/XXXX cash deposit totaling {$1500.00} ( which included XXXX XXXX! ), a XX/XX/XXXX cash deposit of {$1100.00}, and another cash deposit for {$1100.00} a month prior on XX/XX/XXXX. That's after just a quick glance through some deposits, but I'm sure they didn't realize that I keep copies of them all! 

I hope you can resolve it before I have to involve an attorney and the media.

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 2019-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Hello, I'm trying to seek help for an honest mistake that has destroyed my credit- that I worked very hard to rebuild. I submitted an auto draft payment to my mortgage in XXXX and then left town. When I returned home I found out I had typed one digit wrong on my bank 's routing number and it didn't process. I am asking for the late payment to be deleted. Please help. Thank you.

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 2019-08-30 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: UT

Complaint narrative:
Hello, I'm trying to seek help for an honest mistake that has destroyed my credit- that I worked very hard to rebuild. I submitted an auto draft payment to my mortgage in XXXX and then left town. When I returned home I found out I had typed one digit wrong on my bank 's routing number and it didn't process. I am asking for the late payment to be deleted. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Hello, I'm trying to seek help for an honest mistake that has destroyed my credit- that I worked very hard to rebuild. I submitted an auto draft payment to my mortgage in XXXX and then left town. When I returned home I found out I had typed one digit wrong on my bank 's routing number and it didn't process. I am asking for the late payment to be deleted. Please help. Thank you.

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 2019-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion removed " XXXX XXXX '' XXXX Account # : XXXX on XX/XX/2019. Transunion reinserted " XXXX XXXX '' XXXX Account # : XXXX on XX/XX/2019. 

Case Law : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinsert in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

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 2019-08-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I report numerous violations commited by Citi Bank and request to impose appropriate sunctions that will motivate that financial institution to obey the law.

Citi

Bank violated FCDPA 804. ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer by calling and refusing to disclose the identity of the employer when I explicitly requested that. Citi Bank violated FCDPA 807. ( 8 ) includi ng the failure to communicate that a disput
ed debt is disputed by not notifying me about alleged debt. 
Citi Bank failed to validate the debt before reporting it to consumer reporting agencies by violating FCDPA 809. ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector On XX/XX/XXXX I got a call from a person who didn't want to introduce himself neither disclose the identity of the company till I confirmed my name, though such an action classified as a violation of FCDPA. But I already knew that Citi Bank employs such deciving practices so it didn't surprise me. Then, I was asked why I didn't make minimum payments for my credit card. I was taken off guard since I saw payments going to Citi Bank in my online banking. Then we started to investigate the issue. It turned out that in XX/XX/2019, a Citi representative made a mistake while setting automatic payments and linking an unexisting account over the phone. Then, for 3 months Citi failed to call me or send me an email notifying that autopay didnt work and they didn't receive the payments. When it was clear that it was only an error on the bank 's side, Citi representative apologized for a mistake, reversed all late fees and fixed autopay. Nevertheless, at the same time Citi submitted a false information about missing payments to credit reporting agencies! And the bank never notified me that it would take such an action neither by phone, mail, or email which is another violation of FCDPA!!! A month later the bank insisted and resubmitted the false information again. In XX/XX/2019, faling to make Citi to fix it on its own, I disputed credit report late payment with credit bureaus and on XX/XX/XXXX I received results from XXXX which confirmed again that I was 30 days late making payments for a credit card. It appears that Citi Bank considers penalties under FCDPA insignificant and is ready to bear them in order to harass its clients. 
As a result of multiple FCDPA violations by Citi Bank I had a credit card issued by XXXX XXXX closed and a new account request rejected by 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 2019-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I have filed a charge back with my Citi Card for a charge from XX/XX/2019. I got electronic paperwork from Citi on XX/XX/2019. They stated they would not honor my charge back without more evidence from me. They also stated that it included the merchants response in the letter to my charge back request. The merchants response is not included and I can not make a proper rebuttal to the merchants claims without it. I have included a copy of Citi 's electronic correspondence with this complaint.

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 2019-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX DOB XXXX. I have attached my DL for proof of ID Please update my address to XXXX XXXX XXXX, XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: IL

Complaint narrative:
XXXX XXXX is being reported on my Equifax report and the balance doesn't belong to me. This debt does NOT belong to me. i would like this to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Innovis
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX DOB XXXX. I have attached my DL for proof of ID Please update my address to XXXX XXXX XXXX, XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX DOB XXXX. I have attached my DL for proof of ID Please update my address to XXXX XXXX XXXX, XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased a health supplement on a trial basis. Company charged me XXXX in fees in XX/XX/XXXX Within 14 days I cancelled the trial. The company billed me {$79.00}. 
I disputed the charge with Capital One credit card customer service. 
Capital one gave credit of XXXX to account. 
I filled up the documentation required by capital one and sent on line in XX/XX/XXXX. 
Capital One reversed the credit and charged the amount back into my account. 
I re-disputed the account. 
Every month Capital One kept adding late fees. 
I have paid {$55.00} in fees in fees so far. 
Last I called Capital One to close the account. 
I was recommended I resend the paperwork I sent them in XXXX which I mailed to them. 
I keep getting late fees on the Late fees. 
Company would not close account. 
My credit is being affected due to amount past due. 
Credit card companies should not be allowed to add late fees on late fees. This is like 100 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: OH

Complaint narrative:
This company is cherging me {$300.00} for a XXXX phone bill i never had in XX/XX/XXXX. I have been using XXXX XXXX since XX/XX/XXXX and they are claiming i have an unpaid account from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: FL

Complaint narrative:
I have continually wrote Equifax about accounts on my credit report that I wanted investigated.i have sent two letters to Equifax requesting documentation showing that the accounts that are in question belong to me.equifax has responded by sending me copies of my credit report showing the investigation is closed and deeming the accounts have been verified but have not came forward with any proof or furnished the documents that onjave a legal right to request ... Equifax is erroneously reporting things on my credit report which is illegal.they have not proved the account are mine..they are parroting information from the credit agency.equifax is intentionally violating laws in order to negatively report things on my Credit ... the mentioned account is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My Navient account was put in forbearance for less than two weeks which has caused my payments to increase. This resulted because Navient refunded my monthly payment due it being " sent to the wrong address. '' A Navient customer service agent offered to put my account on hold while the matter was sorted, but I wasn't told capitalized interest would increase my monthly payment. If I had been told this, I would never have agreed to it. I've attempted to solve this issue, but I've been told there's nothing that can be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently discovered that there were a 4 consecutive month of unknown and unauthorized transactions in my chase checking account. I reported to Chase and received a provisional credit, but finally denied of it. Their reasons were have missed a reporting window of 60days. Any suspicious transactions must be reported in 60 days or lose the money. Secondly, they said, the transaction has contained correct spelling of my name that they construe that I authorized (! ). This is a bizarre excuse from them. Of course, any fraudster would try to create a transaction as real/accurate as possible. Chase denied of issuing credits. I am not disappointed about Chase fraud protection practice that shift the burden on the customers. In fact, most of credit card companies have measures to recourse fraudulent transactions in effortless manner these days. Chase doesn't want to follow this procedure on my checking account.

Company response to consumer: Closed with monetary relief