vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a savings and checking account at Citibank at the XXXX branch in XXXX, CA on XX/XX/2021. The accounts were opened with a promotional bonus offer that consisted of two bonuses for {$300.00} and {$1500.00}. I deposited a total of {$300000.00} and met all the coupon requirements. I was supposed to have been credited the {$1800.00} as of XX/XX/2021, but did not get anything. I was told their system didnt capture the coupon code and that it could take weeks before there complaint department reviews and approves anything. The XXXX XXXX did not appear to care about anything when I spoke to him today. I asked him to expedite this but he could not guarantee anything. He said I can not close the accounts or else I will not get anything. This is misleading and false advertisement. This is also potential sales abuse because it appears they are targeting customers to open accounts and not abiding by anything. I would like tone {$1800.00} as soon as possible. I had been considering banking with them long term, but this seems shady and unethical.

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 2021-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Kansas XXXX. XXXX XXXX XXXX XXXX all XXXX XXXX collection agency-attorney 's representing American Express Bank. These debt collector produced a fradulent service and affidavit to the court with out a full validation of media and original contract and purchase agreements with no signatures. Only to produce copies. The debt collectors filed fradulent service on me a natural lawful consumer in a Missouri State Court using deceit to manufacture a avenue to move forward in this court proceeding knowing they were not following the rules of the FCDPA 15 USC 1962.

In response to the 3 debt collectors breach of contract claim and the 2 default judgment attempts attached it clearly shows that since XX/XX/XXXX in writing that fraud exist when plaintiff, original creditor, agents, and employee 's, debt collector 's which in fact are attorney 's have blatantly disregarded the rules of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Hello I applied for a credit card with navy federal credit union on XX/XX/XXXX of 2021 and it was denied and turn down due to incorrect credit rating and I send them my copy of my credit report and my other documents they have send me and trying to appeal the decision and I spoke to a supervisor and she was rude this happen on XXXX the XXXX of 2021 at XXXX XXXX  central time and I was unable to get appeal on my Loan/ and unsecured credit card application and I told her it was discrimination based on my race and XXXX and she hung up on me. I have the copies of my decisions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: NV

Complaint narrative:
Good Evening, unfortunately on XXXX of XXXX I was in a real bad financial situation and had to take on a secured loan for the amount of {$4500.00} and had to pay the consequences of being in debt for several years without being able to pay the loan amount in full. Fast-forward to XXXX I was able to negotiate with One Main company to Legally paid in full for less than the full balance with the condition that they would remove they're account from all 3 credit bureaus, needless to say I didn't know they would not or couldn't do that and at the present day I still have my credit score hurting me today ( XXXX ) and all 3 credit bureaus won't remove One Main account from my credit report until XXXX. I think it was a misleading and cheating tactic from One Main to get me to pay the full amount agree when they knew real well that my credit score was going to get impacted well after I pay the agree amount and decided to lie in my face anyways without remorse. Shame on them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-04 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: WI

Complaint narrative:
On XX/XX/XXXX I disputed a charge of {$5000.00} dollars ( made in two seperate XXXX dollar charges ) with Capital One for merchant XXXX XXXX who refused to issue a refund per their cancellation policy terms. On XX/XX/XXXX I discovered the credited amount exceeded my credit limit and rendered my card useless although a negative {$4000.00} balance was on the account. On XX/XX/XXXX I spoke with Capital One rep XXXX Id number XXXX who advises a credit balance adjustment was being issued by check and would be received in 15-20 business days. It ended up taking 90 days and a complaint to the Better business bureau. Capital One advised they had to allow a full XXXX business days for a response from the merchant although I was issued a letter dated XX/XX/XXXX stating the case is considered closed unless the merchant responds. Although I was there after advised once the case reaches its 90 day mark, if the merchandise did not respond the dispute would be considered closed with no option for the merchant to reissue the charge, I find that on XX/XX/XXXX the charges were rebilled to my account with notification to myself until today. This is after I filed a complaint with better business bureau, was finally issued a refund From Capital One and advised the issue closed XX/XX/XXXX and despite the fact the merchants 90 days to respond expired XX/XX/XXXX over a month prior to when these charges were rebilled to my card. This is theft and fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Why do my fico credit scores differ from one another on the XXXX XXXX app, the XXXX XXXX XXXX, from XXXX, XXXX, XXXX XXXX, Experian, XXXX  and XXXX? I have been working on building my credit since XX/XX/2020. They are all installment loans that help build credit!!

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 2021-07-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX I had a negative balance on my credit card of {$2600.00} On this date I did an electronic transfer of this entire amount from this credit card to my checking account, both accounts of which are in the same banking institution. Also on XX/XX/XXXX my bank charged me {$130.00} for a " {$2600.00} cash advance. '' I called the company on XX/XX/XXXX to have the " cash advance '' fee removed as my credit card had a negative balance, and I wanted to move this balance to my checking account XXXX my primary account for paying bills, etc ). The company said they could not refund the fee as the terms for a " cash advance : '' were in the credit card terms. I spoke to two employees at the company and they both said I had to pay {$130.00} to transfer my negative balance on my credit card to my checking account.

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 2021-07-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I have two separate credit lines with fortivia credit both lines show that my balance is not going down after a few months of making payments I realize my balance is still high and I have not used my fortivia XXXX  account since XX/XX/2021 my other account with for XXXX  I was penalized for making my payment early so I was charged for a late fee although my payment was early and then they did not apply my monthly payment to my account someone has kept my money no one wants to reimburse me nor do they want to apply that monthly payment to my balance to me that is actually stealing from someone I never knew that there was a fee for pain one day early I also would like my money back since they are not applying it to my balance nor my account I can not afford to keep doing this it took me months to realize what was happening but I now realize what's going on there are many bad reviews on fortivia credit card line online now I wish I had known sooner someone please help me XXXX 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 2021-07-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have a fraud alert on my credit profile because of a lost wallet I applied for a Kohl 's Credit increase some time during XXXX. I didn't get a response online and I had forgotten. 
XX/XX/XXXX XXXX XXXX XXXX  incoming call from XXXX stating to be with Kohl 's Credit. 

I hung up. I logged into my Kohl 's Credit account and spoke with a chat representative that stated it was them calling regarding a credit limit increase request. I said that I will not verify information over the phone on an incoming call and would reply to a letter where I CALL THEM. 

XX/XX/XXXX ( I called XXXX XXXX XXXX replied to letter that arrived to provide them with more information, but instead the representative told me that I had declined to pursue the increase request and that they closed it as denied. I said that no such thing happened and that my receiving calls from unknown numbers requesting personal information was very uncouth and that it's not going to happen unless I am provided a more secure method. 

That evening I reapplied for the increase online that said it's declined. 

XX/XX/800 XXXX XXXX XXXX I received another call from Kohl 's, asking if I still wanted to qualify for a credit limit increase. I said yes and they told me that there was a fraud alert and I need to verify some information. I did my name, address, and they wanted my DOB and last 4 SSN. I SAID NO. This is exactly what I said last time we will not be verifying my information with strange numbers, especially when I just posted about this issue publicly online yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
During my Re-finance loan process, I was told that my employer provided Long-Term Disability ( LTD ) benefits are not allowed as verifiable income, unless the company providing the LTD benefits, writes a letter showing the source, amount, frequency, continuance and receipt of the payments. [ email Wells Fargo employee of XX/XX/XXXX ] I provided Wells Fargo with an award letter from my LTD Company, dated XXXX, XXXX, showing the dollar amount, the frequency and that I would receive the payments ; I offered XXXX 's from XXXX as proof of continuing income. That was not acceptable. 

XXXX XXXX email clearly documents AND demonstrates - Wells Fargo is imposing additional documentation requirements from me ; which is discriminatory.

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 2021-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2021-07-04 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: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX I sent a letter regarding unauthorized inquiries on my credit report to this day 10 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 605b it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt it has been over 5 days after the date of receipt so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
In regards to XXXX XXXX XXXX ( XXXX ) XXXX POB XXXX XXXX, MI XXXX Everything here is false and misleading pursuant to 15 USC 1692e.

The information is violation of 15 USC 1692d

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 2021-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
After two failed attempts to make payments to my property management companies. Citibank blocked my checking account on XX/XX/XXXX and refuse to unlock or state any reasons. I tried calling the support as well as visit the local branch for assistance, and yet unable to get a clear explanation why my account is blocked. I was only advised I will be receiving a letter in the mail within a few days.

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 2021-07-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Westlake Services, LLC
State: LA

Complaint narrative:
I was going to purchase a used truck from the dealership and they had me with a predatory loan lender amongst the fact the truck had a critical engine failure and internal damage to the cylinder and head. The dealership knew the truck had these problems and still tried to make me take this vehicle with a lender who tried to charge me 30 % interest rate. My husband who is XXXX and in a wheelchair and myself brought this vehicle back to them and told them they can not make me take a vehicle that has this major problem and expect us to pay for it when you knew the vehicle had these major problems before they tried to sell it to us. Than the lender they put me with has been sued for being a predatory loan lender. The vehicle was returned 3weeks after costing me about XXXX and being told how bad of a shape the engine was in.

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 2021-07-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
In regards to CREDIT ACCEPTANCE CORP ( XXXX ) XXXX-XXXX  XXXX  XXXX XXXX, MI XXXX Everything here is false and misleading pursuant to 15 USC 1692e.

The information is violation of 15 USC 1692d

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 2021-07-04 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:
My identity has been compromised and even made me a victim of the dark web. I'm now dealing with unauthorized and unknown accounts that I'm demanding be removed from my credit file immediately. Not one single credit reporting agency delivered A Method Of Verification of any sort to my persons. Therefore, I'm requesting these accounts be removed. 

1 ) XXXX XXXX {$22000.00} 2 ) XXXX XXXX {$100000.00} 3 ( XXXX  {$41000.00} 4 ) XXXX XXXXXXXX XXXXXXXX XXXX 5 ) XXXX XXXX {$1500.00} 6 ) XXXX XXXXXXXX XXXX  {$870.00} 7 ) XXXX 8 ) XXXX XXXX  9 ) XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My identity has been compromised and even made me a victim of the dark web. I'm now dealing with unauthorized and unknown accounts that I'm demanding be removed from my credit file immediately. Not one single credit reporting agency delivered A Method Of Verification of any sort to my persons. Therefore, I'm requesting these accounts be removed. 

1 ) XXXX XXXX {$22000.00} 2 ) XXXX XXXX {$100000.00} 3 ( XXXX  {$41000.00} 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX {$1500.00} 6 ) XXXX XXXX XXXX {$870.00} 7 ) XXXX 8 ) XXXX XXXX  9 ) XXXX  {$1000.00}

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 2021-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
A representative of Rocket Mortgage, XXXX, contacted me about a prequalification. I stated on a recorded line multiple times that I did not want my credit pulled as we had not even began to look at houses. After the call was terminated, my credit report and my wifes credit report was pulled by Rocket Mortgage. I immediately called and demanded to know why my report was pulled without permission. I received an email stating they would investigate, and have not heard back. Since the call, I have multiple alerts that my credit report is being pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation