vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
A checking as well as a savings account was opened with Citi bank on XX/XX/2018. As part of opening the checking account, a bonus of {$400.00} was advertised provided certain conditions were met with the account. These terms were as follows : Opening as checking and savings account with Citi, depositing {$15000.00} to the checking account and maintain a minimum balance of {$15000.00} in the account for sixty ( 60 ) consecutive calendar days. The {$400.00} bonus would then be deposited to the account within 90 days of meeting these requirements. 

On XX/XX/2018 a deposit of {$15000.00} was deposited to the checking account. A balance of {$15000.00} was maintained in this account until XX/XX/2018 when {$5000.00} was transferred from the account. 

Per the terms of opening the account, the {$400.00} bonus was required to post by XX/XX/2018. This did not occur. Citibank was contacted on XX/XX/2018 to determine the delay of the bonus being credited to the account. Case number XXXX was entered into Citibank system on XX/XX/2018, but there was no further communication on progress of the term violation or resolution ( crediting the bonus to the account ). As of XX/XX/2018, the bonus still has not been credited to the account. Overall, Citibank has violated the terms set when the account was opened and has not acted on resolving this issue within a reasonable amount of time.

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 2018-12-16 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: FL

Complaint narrative:
I HAVE IDENTITY THEFT ON MY EXPERIAN REPORT XXXX XXXX XXXX XXXXACCT XXXX XXXX, AND XXXX XXXX XXXX ... ACCT XXXX ... XXXX ON XXXX XXXX. 
THESE ARE FRAUD ACCOUNT I HAVE BEEN DISPUTING FOR 2 YEARS AND THEY REFUSE TO REMOVE THEM. I HAVE SENT SEVERAL DOCUMENTS FORM THE CLERK OF THE COURTS, AND XXXX COUNTY CLERK SHOWING I HAVE NOT LIVED OR EVER BEEN EVICTED FROM THESE PLACES. THE CREDITOR DOES NOT EVEN HAVE MY SOCIAL SECURITY NUMBER ON THESE ACCOUNTS. XXXX XXXX AND XXXX  ALREADY REMOVED THEM DUE TO FRAUD BUT EXPERIAN REFUSES TO REMOVE THEM/. THESE ARE NOT MY ACCOUNTS THE IDENTITY ON THEM IS NOT MINE. PLEASE HELP ME TO GET THESE REMOVED I AM XXXX XXXX XXXX XXXX THE FRAUD ACCOUNTS DO NOT MATCH MY NAME OR SOCIAL SECURITY NUMBER

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 2018-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: STATE FARM BANK, FSB
State: TX

Complaint narrative:
On XX/XX/2018, I received an e-mail about opening an " account '' with State Farm Bank. I promptly called my local State Farm agent ; they promptly notified their office. I had a very pleasant phone call and they said they would block any and all attempts to open any kind of account in my name. That was for account : XXXX. 

I received an important notice regarding another ( different ) account opened in my name at State Farm Bank. This was dated XX/XX/XXXX for an account ending I XXXX. 

Whatever State Farm said they were going to do, either they didn't do it or it didn't work!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Last night I tried to get free credit reports from XXXX, Transunion, and XXXX. XXXX  was very helpful and we received their free credit report promptly. Transunion tries to get you to subscribe to a monthly paid service to obtain your credit report and Fico score. After multiple efforts, we finally were able to submit a request for a free report and they denied the request on the basis that they did not have enough information to confirm my identity. We paid off our last mortgage almost 24 years ago and I did not remember what the amount of the mortgage was. 

XXXX  told me that I was not entitled to a free report, in clear violation of Federal law. As a result I contacted the Federal Trade Commission, got the right phone number to get the reports from Transunion and XXXX, called that number rather late at night. A woman answered my call, asked me for some brief information, and said that I should receive the reports within 15 days. 

I initiated a Credit freeze wih XXXX after checking the Credit Report that they provided. This process was simple and quick. 

I get the impression that both Transunion  and XXXX  are gaming the system. They resent having to provide free credit reports as required by law.

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 2018-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Complaint against XXXX XXXX XXXX, insured by NCUA. 

Offers products to Consumers, such as bank accounts, loans, mortgages, auto loans, interest bearing accounts, popular banking products. 
Checking accounts are opened and rated by.Credit Bureau worthiness and credit score values. Consumers who's.credit scores don't meet the threshold of credit values ; are offered an alternative account. 

" Checking Limited '' accounts are opened with restrictions, ultimately designed to entrap Consumer from benefits, fees, funds availability, normal convenience and ability to make final transactions ; which are normal to everyday commerce. 

A Checking Limited Accounts, are no different than " prepaid ATM/Debit cards '', no different than " cash only accounts '', designed to operate only with " teller services only ''. 

ATM Visa Debit is attached, but.does n't function necessarily as credit rather debit, depleting funds ; ..when funds may not be made available ; given a " hard 5 -- 7 day hold on all funds '' ... checks, and cash via ATM machine. 

Consumers operating with a Checking Limited Account are doomed to be able to access funds in a timely manner and access positive balances after deposit is made. ONLY CASH is available immediately and only cash ; ... is the only way to make deposit. 

This product should be able to mature or expiration dates should apply, after Consumer has established a short or long term banking history. 

At this point, the only way to upgrade to " Checking Unlimited '' ... .is by additional credit ratings and credit scores scanned periodically after period of time. 

This method of banking is below standards and is only causing hardships, additional fees and mismanagement of personal banking needs.

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 2018-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Since XXXX of 2018 I have been locked out of my Chase Account. Chase refused to fix the issue and I have spent hours on the phone with them. They are illegally blocking me from my account to charge late fees and raise my interest rate. They have reported to the credit bureau one time and the supervisor said that they do not have anything to do with the credit bureau. I still can not gain access to the account and they there automatic system is always down. I see that there are similar cases reported online. These practices are unethical and a way for Chase to gain money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a letter from the IRS stating that someone was applying for a job by using my social security number. They provided websites of the 3 credit reporting agencies where I could obtain a free credit report. 

Transunion required a credit card as part of a log-in and did not display a price for services. I had searched registration page each step of the way for dollar signs and there were none. Transunion proceeded to charge my card {$19.00} and enroll me in a monthly service at a price of $ XXXX/mo.

I called and told them that there was no such authorization to charge my card. They said that they would end my subscription and that the initial {$19.00} is non-refundable. 

This is inappropriate, as they did not request on the webpage that they could charge my card for this service. At the very least, they are engaged in deceptive practices.

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 2018-12-16 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: NJ

Complaint narrative:
According to my recent credit report request from Equifax, XXXX, XXXX, there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED Court name : U.S. Bankruptcy CourtDate Filed : XX/XX/XXXXType : Chapter XXXX BankruptcyStatus : DischargedReference number : XXXX THIS ITEM IS NOT MINE CAN YOU PLEASE REMOVE IT OFF MY CREDIT REPORT Court name : U.S. Bankruptcy CourtDate Filed : XX/XX/XXXXType : Chapter XXXX Bankruptcy Status : DismissedReference number : XXXX THIS ITEM IS NOT MINE CAN YOU PLEASE REMOVE IT OFF MY CREDIT REPORT Court name : U.S. Bankruptcy CourtDate Filed : XXXXType : Chapter XXXX Bankruptcy Status : DismissedReference number : XXXX THIS ITEM IS NOT MINE CAN YOU PLEASE REMOVE IT OFF MY CREDIT REPORT bk of mo Act. # XXXX {$150.00} Past Due THIS ITEM IS NOT MINE CAN YOU PLEASE REMOVE IT OFF MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I bought merchandise at XXXX  's with my XXXX  's revolving account on approximately XX/XX/2018. I would normally receive an email to pay the bill at a certain time ( which we always paid promptly ). However on this occasion I never received a bill. So we forgot about it and by the time we figured out we owed a debt the charges went from what I paid for the merchandise, {$180.00} to {$340.00} ( penalties and interest ). I thought the penalties and interest was outrageous so I thought that since we had been a great customer all those years they would drop the penalties. But after a few calls to outsourced debt collectors, the effort to negotiate became futile. So to be fair I wrote them a letter and paid the {$180.00} with an additional {$17.00} in interest which I thought to be fair. They accepted the payment only as a partial payment and then continued to call me numerous times throughout the day and send bills in the mail. They still refuse to negotiate with me or even get away from their written responses. As a result, my credit rating has gone down and the family is afraid to answer the phone.

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 2018-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OR

Complaint narrative:
Hi, I'm in the loan forgiveness program and my student loans are managed through XXXX. I received a letter on XX/XX/2018 stating my new monthly payment was recalculated for {$450.00}, but on my billing statement it stated I owed : On XX/XX/2018- $ {$230.00} On XX/XX/2018- {$210.00} On XX/XX/2018- $ {$210.00} The XX/XX/2018 letter stated : " Since you are enrolled in Direct Debit, we will automatically extract your monthly payment amount totaling {$450.00}. 

On my billing statements it states : " You previously made payments in excess of the amount that was due. Therefore, you currently have a reduced payment due this month. However, even though you currently do not have a payment due, we will still automatically extract your regular scheduled monthly payment and any additional amount you requested. '' I never requested to pay an additional amount. I've been paying {$450.00}. 

I recently had my payments recalculated because I was having troubles making payments. I have all my billing statements and related letters. 

Thank you for your help and happy holidays! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 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: TN

Complaint narrative:
I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent back in XXXX and XXXX, I asked the following creditors to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that XXXX, Equifax, and XXXX   all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. XXXX failed to send me any correspondence at all after numerous requests. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. As you may be aware, " Estoppel by Silence '' legally means that the credit bureaus and the listed creditors had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense since I have a track record of you not sending documents back to me. Please forward me an updated credit report after you have completed your deletions and corrections of the following accounts from Equifax, XXXX, and XXXX. 

XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX   XXXX- XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 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: CA

Complaint narrative:
Transunion has taken the debt companies explanation of terms and conditions of a XXXX office where I never received any service nor signed any wording abligating me to pay for services my at the time XXXX year old daughter never recieved. There is no valid proof of the debt from a sleepy debt firm with thousands of complaints for extortion and an account that is completely invalid the office extorted me to take my XXXX   review down in order to wipe the debt that never should have exsisted XXXX XXXX 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 2018-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergys
State: TX

Complaint narrative:
They have called me 5 times a day after I've told them I can't make a payment until I get paid on my pay day. They continue to call 5 times a day.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have written several rounds of verification letters ( FCRA 609 ( a ) ( 1 ) ( A ) TO  EXPERIAN CERTIFIED SINCE BEGINING OF THE YEAR THEY RESPONED TO THE FIRST ROUND OF MY DISPUTE AS VERIFIED WHEN I SENT A MORE DETAIL VERFICATION LETTER CERTFIED AS WELL AS EXPLAINING THE METHOD OF VERIFICATION THEY FAILED TO REPLY WHEN I SPOKE TO THEM ON THE PHONE THEY COULDNT DO ANYTHING I SENT LETTERS TO THIS SO CALLED COLLECTION ACCOUNT AND THEY FAILED TO RESPOND HOW HARD IS IT FOR THE PEOPLE WHO WORK AT THE AGENCY RESPOND BACK TO A REQUEST

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 2018-12-16 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: TN

Complaint narrative:
I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent back in XXXX and XXXX, I asked the following creditors to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that TransUnion, XXXX, and XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. XXXX failed to send me any correspondence at all after numerous requests. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. As you may be aware, " Estoppel by Silence '' legally means that the credit bureaus and the listed creditors had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense since I have a track record of you not sending documents back to me. Please forward me an updated credit report after you have completed your deletions and corrections of the following accounts from XXXX, XXXX, and Transunion. 

XXXX  XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX/XXXX XXXX- XXXX XXXX XXXX XXXX XXXX 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