vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Comenity Bank owns the Victoria Secret credit card. They closed my credit card and there is a credit balance of $XXXX. I spoke to manager XXXX on XX/XX/XXXX at XXXX; he told me I will receive it by end of XX/XX/XXXX. I still have not received a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/2019 CitiCard sent me a new card--I did not ask for a new card.  The new card was never activated.  Nevertheless, my Costco membership in the amount of $XXXX was charged to the card.  As I did know the card existed and it had not been activated, I did not see the bills or pay for the unauthorized charge.  Eventually I started getting collection calls from CitiCard.  So, I paid for the membership, $XXXX, in XX/XX/2019 and asked that under these circumstances late fees and interest be waived.  They did so as of the date of my $XXXX payment.  On my check for payment, and in a letter enclosed with the check, I clearly stated that cashing the check would acknowledge that this was payment in full for all charges incurred to date. XX/XX/XXXX/XX/XX/XXXX or thereabouts CitiCard  sent me a letter saying they had waived as I requested.I am now getting bills for late charges and penalties/interest, etc. that accrued after they sent me the letter waiving same.  I have complained to Citicard and they say that I still have to pay (letter received).  They have ignored their own correspondence and my check noted payment in full for all charges incurred to date.I believe this is fraud, to charge a card not activated and pursue late fees, interest, etc. after waiving same.

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 2019-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
LoanCare, LLC is a mortgage lender who makes loans secured by real estate in New York, including the law requiring it to pay borrowers a minimum of 2% interest on money put in impound escrow accounts. LoanCare appears not to do so, and the complaint claim that the company has violated New York's Unfair Business Practices Act and breached its contracts.1) I kept asking Loancare to remove me from having an escrow account and wanted to pay the property taxes and insurance myself. They refused to comply with my request, stating it was mandated. When asked to show where this is specified, no one provided specifics and my follow-up requests were ignored.My account history shows the following:XX/XX/18 $XXXX Interest on Escrow applied and then deductedXX/XX/18 $XXXX interest on escrow, but it's not applied.I called Loancare stating that the escrow was not paid and asked they correct it and apply interest on escrow towards the principal. Specifically, to NOT place it in escrow, as I was continuously trying to get Loancare to remove me from having an escrow account, so that I can pay the taxes and insurance myself. They did not comply.

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 2019-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I had XXXX, i had met all my outer pocket and deductible. This procedure was 100% paid for by my insurance. After the procedure, the doctor sent my XXXX  to a out of network company. Which i was billed this $XXXX medical bill. This medical bill belongs to the hospital.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Around XX/XX/XXXX, I have opened my first checking account with HSBC bank an "Advance checking account" after I have received an offer in my mail with a personalized code which i have used that advertised the following: "you will receive $XXXX bonus if you open an advance checking account before XXXX XXXX XXXX and deposit to the account a minimum of $XXXX within 30 days of account opening and Hold the funds in the account for 90 days as well as not having a previous account with the bank. then I will receive the $XXXX in about 90 days after i meet all the requirements."I have deposited a check of $XXXX  to my new account on XX/XX/XXXX which is one week after opening the account and I have maintained a daily balance of more than $XXXX from XX/XX/XXXX to XX/XX/XXXX and until today I have received no Bonus offer or anything. Initially I have met all the requirements of the offer on XX/XX/XXXX and I was supposed to get the $XXXX on or before XX/XX/XXXX. but it has been more than 8 months after I met all the requirements and still nothing. I have tried to contact HSBC on XX/XX/XXXX. to ask them for the reasons of them not giving me my bonus knowing that they still advertise it until today and I still get HSBC bonus offers to open a new account in my mail; but I was not able to get any explanation from them except from this "We show the requirements to receive the promotion were completed. As thepromotional funds were not placed in your Checking account, we haveopened an investigation into this situation."

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I applied to (2) two Chase backed credit cards after being heavily solicited by both. The first was a Chase backed Southwest Airlines Reward card. I was denied but the reason says it was because I do not already have a "Chase" card. This makes no sense and I have an excellent credit rating 750+.The second was a Chase backed Marriott Reward card. I was denied but again the reason says it was because I do not already have a "Chase" card. This also makes no sense and I have an excellent credit rating 750+I am more than qualified based on my credit score, history, and income. I believe that I was denied credit based on my political affiliations, race, or other reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
This company continues to harass me, Calvary portfolio and XXXX  regarding a debt that is not mine. The cards were opened by an ex with an affair, not paid from any of my personal accounts and no record of discussion with anyone regarding debts that are not mine. This is not my debt. Know nothing about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: NV

Complaint narrative:
Please reverse the late payments reported on the following accounts: XXXX XXXX XXXXxxxxxxxxx and XXXX XXXX XXXX XXXX XXXXThe accounts were never past due, i never made a late payment to this company ever please change this , i have a good relationship with these companies.

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 2019-08-19 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: NV

Complaint narrative:
Please reverse the late payments reported on the following accounts: XXXX XXXX XXXXxxxxxxxxx and XXXX XXXX XXXX XXXX XXXXXXXXXXXThe accounts were never past due, i never made a late payment to this company ever please change this , i have a good relationship with these companies.

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 2019-08-19 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: NV

Complaint narrative:
Please reverse the late payments reported on the following accounts: XXXX XXXX XXXX0xxxxxxxxx and XXXX XXXX XXXX XXXX XXXXXXXXXXX The accounts were never past due, i never made a late payment to this company ever please change this , i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.XXXX XXXX Hospital 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 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX XXXX  andXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX Hospital 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 2019-08-19 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX Hospital XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I asked for two card replacements because on the first one I never received my card on XXXX XXXX  th so I called about it on the XXXX XXXX of XXXX  and told them that I also was receiving emails saying that my XXXX  card was being used so I told them that my money was being used with my permission and they told me that I would receive a provisional credit 10 days from that date for XXXX XXXX XXXX XXXX, but I have not had that issued yet ! I get hung up on every time I call about it

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 2019-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
I contacted the company to verify the debt that was being reported on my credit report.  It was a supposed debt for my minor daughter. When I asked the collection company to verify the debt for me. I asked for them to verify this with very specific information that would not violate HIPAA. However, the information they provided violated my HIPAA rights by sending confidential medical treatment information for my daughter. I asked them to remove the reporting in a letter since they violated my HIPAA rights.  I did not get a response to my letter.  I sent a letter to the original creditor and the collection company and still never received an error.

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 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX and 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 2019-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi Bank has allowed me to go way over my credit limit (twice) and they expect me to make that monthly payment and include the total amount they let me go over!  This wasn't just one purchase, this was several.I feel that unless they text/call you or you contact them ahead of time, they should not allow their system to let you exceed that limit.I don't feel that this is fair practice!!  Sure it's nice if it's something you absolutely have to have, but contact the consumer first!I am livid over this!! I actually work for a major credit card company and we would never allow someone to go over their limit unless the customer contacts us first.  That limit is there for a reason.

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 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2019-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I tried making a deposit in the atm near me and the atm was down. I called us bank the next day and as a courtesy they said they would waive the fees. they never waived anything or returned the 2 XXXX fees.

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 2019-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: NM

Complaint narrative:
Had a home mortgage through XXXX XXXX XXXX  from XX/XX/XXXX-XX/XX/XXXX, then was switched to M & T Bank in XX/XX/XXXX. No notice was given to this switch until I was placed into foreclosure XX/XX/XXXX. The loan from my understanding was eligible for me to drop the insurance hazard insurance fee almost $XXXX  dollars extra/month due to me paying off  atleast 20% of the price of the phone. There was also another $XXXX  in late fees carried over to M&T bank when I was never delinquent with XXXX XXXX. However, when I discovered the loan was with M&T the $XXXX late charges were billed from them plus an additional $XXXX of late payment fees plus still no removal of the $XXXX  hazard insurnace. I had my Attorneys from XXXX XXXX XXXX XXXX write a letter demanding adjustment of these fees. There was no response until I received a phone call from M& T Bank on XX/XX/XXXX stating that if I did not pay 5 total payments of mortgage valued over $XXXX dollars then foreclosure would be accelerated and I would lose my home. I explained I just received notice of this and they said I could pay 4 months because XXXX was not due yet. I payed the four months to take this out of foreclosure and spoke with an XXXX   and it was agreed upon paying these 4 months would not get me reported to the bureau. As ofXX/XX/XXXX, M&T reported me delinquet for XX/XX/XXXX Payment when I paid the mortgage through XX/XX/XXXX. This caused my credit score to drop almost 90 points and kept me from getting an XXXX  Credit card.

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 2019-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have a Bluebird Account through American Express.  You must have a check pre authorized at which time the funds are deducted from your account.  I have now had them bounce my pre authorized rent check twice.  Not only have I incurred charges from my landlord but they are now in the process of evicting me from my home.They have not responded to my previous letter of XX/XX/XXXX and I have written to them again.  I have attached the materials to this email. Any assistance with this would be appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-19 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: MoneyLion Inc.
State: NJ

Complaint narrative:
I took out a loan with a company called  ''Money Lion '' & I made all my payments on time I WAS NEVER LATE. I decided that I would leave for vacation with my family so I called money lion to pay off the remaining balance of the loan for a total of $XXXX  so I wouldn't have to worry about it when I was away on vacation. I spoke to a money lion representative and he took my debit card number and told me congrats your loan is now paid in full. Soon after I received an email saying my payment has been scheduled for XX/XX/2018 '' YOUR LOAN IS NOW PAID IN FULL''  so I personally thought everything was fine to leave on vacation. When I finally arrived back I got a notification from a credit monitoring service saying I had a ''serious delinquent account 30-60 days late''. and I contacted the company about this matter to have this negative remark removed I've sent in pdf files of my bank statements and the email verification of the payment,  as well I asked for a '' deletion letter '' but they refuse to give it to me. I would really appreciate if you guys can help me solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I disputed a charge for $XXXX dollars at a hotel that charged me for an extra night when I checked out that morning. My bank disputed the charge but now taking the money back out because they said I was there. Why would I pay for one week at that hotel and stay an extra day!? I was gone way before XXXX because I had to work at XXXX!

Company response to consumer: Closed with monetary relief