vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I've recently went through a significant reduction in income due to a re-organization at my employer that resulted in me having to accept a position with lower pay. This has put me in a tough position financially and I am unable to make ends meet. 
On XX/XX/2018 I called USAA to ask for help with regards to a financial hardship program. They stated I did not qualify because I was not past due, and to call back when the account was past due. on XX/XX/2018 I called back as the account was now past due but they advised me that I still did not qualify and were unable to tell me why. I am extremely frustrated as I am trying to not let my finances spiral out of control but without a little bit of cooperation from my creditors I will not be able to continue to hold it together and make my basic living expenses. I have cut down drastically on my unnecessary financial expenses and I am still barely getting by.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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:
I'm here to complain Citibank that 1 Citibank made the promised sign-on bonus illegible by closing my checking 's account without notification. 

2 Citibank made misleading advertisement on their sign-on bonus offer. 

I signed up for Citibank 's sign-on bonus offer in XX/XX/XXXX per their ad online. I can't find the version but the current version can still be seen at where the only difference I can see is the updated date : XXXX XXXX   XXXX? XXXX & XXXX On that page it states 4 requirments : " Heres How it Works : Open a new eligible checking and savings account in the Citibank Account Package between XX/XX/XXXX XX/XX/XXXX . 
Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the new checking and/or savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 consecutive calendar days. 
Get {$400.00} deposited to your account! '' I funded {$15000.00} to the saving 's account and kept the fund there for over 60 days which is due on XX/XX/XXXX. I called in and talked to a Citibank 's financial adviser and was confirmed that I'm qualified for the offer. But I received an email from Citibank on XX/XX/XXXX to inform me that I " have not fulfilled the Offer 's required activities '', and the reason is that my checking 's account is closed by Citibank per their policy of " XXXX  balance for over 90 days '' but without my permission and without any warning/alert/Notification. 

Therefore, this " non-XXXX balance in checking 's account '' should be the fifth requirement on top of those four mentioned in their advertisement, but Citibank failed to stated it clearly along with the current 4 requirements in their advertisement. Instead, it's only in the fine printing, which is very misleading. 

I called Citibank multiple times and talked with 2 supervisors, they wont make it right but only agreed to submit a dispute for me.

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 2018-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a business checking account on XX/XX/2018 with a {$300.00} bonus offer attached to my account. I have met the bonus terms already but do not yet see the payout into my account. Bank states offer was never attached but it was definitely done as confirmed by the bank rep at the time. 

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 non-monetary relief
Consumer complaint received 2018-12-17 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: NC

Complaint narrative:
I TALKED TO EXPERIAN SPECIAL HANDLING DEPARTMENT SEVERAL MONTH BACK IN XX/XX/2018 CONCERNING ACCOUNT SHOWING UP ON MY CREDIT FILE WITH A ADDRESS IN XXXX SOUTH CAROLINA. EXPERIAN PULLED MY FILE UP AND STATED DO YOU LIVE AT XXXX XXXX XXXX, XXXX SOUTH CAROLINA XXXX, I STATED NO! I TOLD THE FRAUD AGENT I HAVE ALWAYS LIVED IN NORTH CAROLINA MY WHOLE LIFE. THEY DISPUTED THIS ACCOUNT AND ADDRESS AND IT CAME OFF WITHIN ONE WEEK. I CALLED BACK AND ENDED UP TALKING TO A LADY NAMED XXXX IN THE SPECIAL FRAUD HANDLING DEPARTMENT AND SHE STATED THE ACCOUNT IS BLOCKED AND IT WILL NEVER REPORT AGAIN. NOW EXPERIAN IS SAYING MY POLICE REPORT AND FTC REPORT IS NOT TRUE. THAT WAS A SLAP IN MY FACE!!!! ONE THING I HAVE NEVER DONE IS LIE!!! I WAS RAISED BETTER THAN THAT. I WAS A HEAD JUDGE FOR 30 YEARS AND HAVE A GREAT NAME IN MY STATE OF NC. I CONTACTED THE POLICE AND SHERIFF DEPARTMENT CONCERNED ABOUT THIS ISSUE WITH EXPERIAN SAYING I LIED ABOUT THIS POLICE REPORT. THEY STATED ( DEPUTY XXXX XXXX ) ITS AS REAL AS REAL CAN BE. NEXT IS IM FILING LEGAL ACTION AGAINST EXPERIAN AND XXXX XXXX FOR ALLOWING SOMEONE TO USE MY CREDIT WITHOUT MY PROMISSION. XXXX XXXX  CANT EVEN SHOW ME THE CONTRACTS AND EXPERIAN KEEPS INVESTIGATING IN OVER AND OVER AGAIN AND NEVER SHOW RESULTS. THEY REMOVED XXXX XXXX XXXX, XXXX SOUTH CAROLINA XXXX AND THE INQUIRES FROM THIS LOAN BUT WANT REMOVE THIS ACCOUNT FROM MY FILE, EXPERIAN STATED THE ADDRESS IN S.C. WAS REMOVE AND INQUIRE WAS REMOVED AND BLOCK AND WAS FRAUD!!! BUT NOT THE ACCOUNT IT WAS SET UP UNDER. I WANT IT REMOVED OF LEGAL ACTION WILL BE FILED ON XX/XX/2018. THIS IS ABUSE TO A SENIOR CITIZEN ( I'M 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 2018-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a business checking account on XX/XX/2018 with a {$300.00} bonus offer attached to my account. I have met the bonus terms already but do not yet see the payout into my account. Bank states offer was never attached but it was definitely done as confirmed by the bank rep at the time. 

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 monetary relief
Consumer complaint received 2018-12-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2018 an unknown person went to several banking institutions in XXXX, NC ( XXXX XXXX # XXXX, XXXX XXXX # XXXX ) and made cash withdrawals through Bank of America tellers. The offender had a copy of my debit card as well as my PIN number. Through a series of transactions they took {$3000.00} from my savings and {$3100.00} from my checkings and checked the account balances on an ATM at a fee of {$2.00} for a total of {$6100.00}. Bank of America provided me with a temporary credit for this amount and I submitted a claim. Bank of America then denied my claim on the grounds that the offender had my PIN number, which is protected information. I have never given my PIN number to anyone and there are a variety of ways that the offender could have illegally obtained it other than my telling them. I re-submitted the claim to be reviewed by a second financial analyst at Bank of America. Meanwhile I left Bank of America and withdrew all of my money. As a result, when Bank of America took back the temporary credit my accounts went negative. The second review of my claim was supposed to be completed by late XXXX but Bank of America has not yet responded to me with a conclusion. In the meantime they have closed my remaining accounts,  informed me I am no longer welcome to open accounts with Bank of America, and have attempted to collect the debt from me. They have indicated that if I do not pay the debt soon, it will negatively impact my credit for 7 years. I have disputed their attempt to collect debt and have submitted police reports with XXXX ( where I was living at the time of the fraud ) 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 monetary relief
Consumer complaint received 2018-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UMB FINANCIAL CORPORATION
State: WA

Complaint narrative:
In XX/XX/2018, UMB Bank was the custodian of my health savings account ( HSA ) and I asked that my funds be transferred to a new custodian. UMB Bank did not disclose that they were planning on taking {$25.00} from my HSA as a " fee ''. I contacted UMB Bank to request a refund for the {$25.00} they appropriated and they said that what they were doing was customary and they would not refund the " fee ''. I asked them if it was customary to charge an undisclosed " fee '' to customers. They responded with the following non-sequitur : we can provide a copy of a transfer form which mentions the fee. They also said that they had disclosed the fee to " XXXX XXXX XXXX '' which was briefly ( i.e., for a few weeks ) my HSA administrator.  When I asked UMB to provide a record of that disclosure they said they would not do so since " XXXX XXXX XXXX '' was their client.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX I sent a response to a Collection Agency named XXXX  XXXX XXXX XXXX who claim that I have a debt of {$970.00} through Capital One. This Account is not mine and the address associated with this account I have NEVER lived at. I have asked them to provide signed documentation that proves I have contractual obligation to this account and even asked them for a copy of their State Licence and number and they did not provide this. Per the Fair Debt Collection Practices Act they are to provide me with this data to prove that this is my account and they have failed to do so so they must remove this account. The only Proof they have been sending is credit card statements from years ago that dont even have my real address, this is not valid evidence that this is my debt, especially since I never lived at the address on those bills. They sent several letters to me with the same identical packet of information and nothinng new or what I asked them for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX reported judgment against me for a debt that does not belong to me. I have no idea what kind of company is this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
I am currently a XXXX  and have been for XXXX  years, also a veteran. I received an update the week of XX/XX/XXXX and saw that my payment went from {$170.00} to over {$400.00} a month while I'm in the loan forgiveness program. My income for last year went down and nothing else has changed and having no understanding of why this was so much. I was told that I did not fill out the application correctly and then went back in and did just what I was told to do. On XX/XX/XXXX, I was told that they would not accept my application after I was told to do what they told me to do. I have had enough of this and the scam of this program. I was under the impression when the whole idea of this program was to eliminate this bill and all that this has been has been a huge headache. Every time I talked to someone at Navient they say that they are following the rules that have been set by Congress and they have no control over the program. I want this fixed. I have no problem paying the proper amount however this seems to be a huge scam because I have been paying on this bill since I graduated in XXXX. The account number is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On or about XX/XX/2018, I opened a Citibank Account Package ( checking account and savings account ) with a promotional offer for {$400.00}. The terms were : " Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 

Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days '' On or about XX/XX/2018, I deposited {$15000.00} of new-to-Citibank funds. I allocated {$10000.00} to the Citibank checking account and {$5000.00} to the savings account. 

On or about XX/XX/2018, I had held the {$15000.00} minimum balance continuously for 60 days. 

On XX/XX/2018, 120 days from meeting the promotional requirements, I have yet to receive any promotional funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Thank you, Someone made a fraudulent purchase to XXXX XXXX on the XXXX on the XXXX of XXXX this year. The amount of {$590.00}. 

They used the paypal credit/bill me later option. 
I only found out a few days ago when someone called to collect a debt as the account was past due. 
I contacted Paypal and spoke to several people. All saying they could not help because it was beyond their 6 month policy. I explained I didn't know about the purchase during the 6 months. I recieved no mail from PayPal. 

I keep my cred in good standing. Please help me keep it that way. 

My name is XXXX XXXX. I live at XXXX XXXX XXXX, XXXX Calfornia, XXXX. 
My phone, XXXX & XXXX. 
PayPal card # XXXX. Exp XX/XX/XXXX Please help me resolve this issue.

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 2018-12-17 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: Skopos Financial, LLC
State: OK

Complaint narrative:
We initially contacted Skopos Financial in XX/XX/2018. My credit report had not been updated with my current payments since XX/XX/2018. We spoke to representative there that advised it would be updated in the first week of XX/XX/2018. The first week of XXXX came and went and nothing was reported. We contacted them again and were advised it would be updated immediately per the Credit Reporting dept that we were transferred to on the call. As of XX/XX/XXXX, it still had not been corrected, so we filed a complaint with the XXXX XXXX XXXX that did reach out to them -Case # XXXX. They finally updated the credit report in XX/XX/2018, but only up through XX/XX/2018. As of XX/XX/XXXX, they had not updated the report to show any payments were made since XX/XX/2018. We sent them an email asking for this to be updated. We did not get any response from them, nor was the credit report corrected. This has hurt my husband 's credit score greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
My student loan payments were higher than what I could afford, I contacted Navient and asked if I could have the amount due lowered and was told that was not possible. Another time later I had contacted Navient and asked how I could have my co-signer taken off the account and was told that I could only have the co-signer removed by proving they were financially unable to pay for the loan. My loan amount due dropped to XXXX for approximately a year without any explanation then increased to higher than it was before.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: Ditech Financial LLC
State: CA

Complaint narrative:
I HAVE A DITECH LOAN IN MY NAME ACCOUNT NUMBER XXXX BALANCE IS XXXX. 

IM DISPUTING THIS ACCOUNT BECAUSE I WAS PROMISED THIS ACCOUNT WAS SUPPOSE TO BE DELETED FROM CREDTI REPORT, AND DITECH PROMISED ME. 

PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, two letters were sent to transunion. This is part of the letter sent by XXXX XXXX, requesting a correction because her credit file does not show up under her social - it shows up under her daughters social. Additionally, her daughter ( XXXX XXXX ) sent a letter requesting to have her mothers items removed from her credit report. As of today, XX/XX/XXXX, Transunion removed SOME of the accounts from XXXX 's credit report but not all. XXXX 's credit report also still has all of XXXX 's information on it, stating the wrong names, addresses and the wrong date of birth. As of this time, nothing exists under XXXX 's social so that problem has not been rectified despite multiple calls and two clear requests sent in writing. 

XXXX XXXX MISSING FILE NUMBER XXXX XXXX Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to dispute the following information on my TransUnion consumer report for these reasons : o My entire credit report is missing. 
o All of my credit items are listed under a different social/name.

o My social security number is NOT in Transunions system.

o All my credit inquires are being posted on a file that does NOT belong to me.

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 2018-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NH

Complaint narrative:
Hello, I was referred to you by the attorney generals office. We have had ongoing problems with our mortgage company. They are falsely saying that we owe them thousands of dollars that we do not. And our house is in foreclosure even though we never missed or were even late on the mortgage payment. 
At this point, we do owe them one months mortgage because they refused to cash the last check, because they said we are in pre-foreclosure. 
We had only owed them {$1900.00} for a check they sent to the town for property taxes and the town cashed it and paid our taxes in advance. We had paid the taxes up to that point. We have had a mortgage on the house for 15 years and never had escrow. Now they are saying that we owe them {$6500.00} and they want it paid to satisfy the debt on their terms or we will lose our house. 
They have actually sent us letters with false information saying that we did not pay our mortgage for XXXX, XXXX and XXXX. And We have cashed, cleared checks proving that we did pay and were not even late. 
Please help or please direct us to who can help. 
I am afraid that we are not the only people they are doing this too. And another person or someone elderly who is confused may just pay them the money and they may be getting away with this? 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I HAVE A XXXX LOAN IN MY NAME ACCOUNT NUMBER XXXX BALANCE IS XXXX. 

IM DISPUTING THIS ACCOUNT BECAUSE I WAS PROMISED THIS ACCOUNT WAS SUPPOSE TO BE DELETED FROM CREDTI REPORT, AND XXXX PROMISED ME. 

PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT.

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 2018-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX was the company that I paid {$490.00} to, to help me forgive my student loans to a XXXX balance. They consolidated my loans and promised to submit my income every year to Nelnet but I have not been able to reach them at all. There number is disconnected and their email is no longer able to receive email. Phone XXXX was the number I have and the other name for the company is XXXX XXXX XXXX XXXX. Please help I want my XXXX back! They collected 3 payments of XXXX on XX/XX/18, XX/XX/18 and XX/XX/18. Account number I believe is XXXX

Company response to consumer: Closed with explanation