vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-23 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: VA

Complaint narrative:
I opened a Citibank checking account with a promotion to receive XXXX XXXX advantage points.The promotion stated I had to spend {$1000.00} and pay a bill monthly for 3 months. The period began XX/XX/XXXX. I used my debit card to pay a bill of {$1000.00} and paid my XXXX online streaming account for more than 3 mos. On, XX/XX/2020 I recieved a notice that I had not fulfilled the requirements. I called Citibank and after being forward to three different agents, I spoke to XXXX who informed me that I had not fulfilled the bill payment requirement. I told her I fulfilled the requirement by paying my XXXX bill monthly over 3 months. 
Citibank should give me what was agreed upon and promised. The program seems to be some kind of flim flam trick to get one to open an account then deny one the offer promised through trickery and confusion. Im surprised a well known reputable bank would resort to offering an offer purposely deceitful and should be illegal if not fulfilled. The offer was to give me XXXX XXXX XXXX miles to my Advantage 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 explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: GreenSky, LLC
State: MA

Complaint narrative:
MY COMPLAINT IS WITH GREENSKY ONLY, PLEASE DO NOT CONTACT THE OTHER ENTITIES I opened an account with Greensky to finance a new roof on the house through XXXX XXXX XXXX  XXXX. The roof they did was not done properly and i put a freeze to prevent the merchant of putting a the final payment charge on my account, however what i didn't know was the charge already happened and had not posted yet. The charge went through and i was livid. The contractor did not finish the job properly. The contractor eventually refunded the final payment in the amount of {$3600.00}, and that charge is going to wind up in court. The initial payment was the down payment for the job was charged to me at {$1800.00}. 

However that charge of {$3600.00} was fraudulently charged. The fact that it was refunded, does not make it right and I want documentation on what happened. 

Greensky requires the contractor to get authorization from the borrower before any charge is processed. I never gave my authorization to the contractor. There was no communication that authorized the final payment, because at that time, I made it clear that elements in the home improvement contract was not complete. Additionally the building inspector has furnished a letter stating the roof is not built to code. 

Per Greensky, an electronic signature was put in under my name authorizing the final payment/transaction. I have demanded whatever documentation they have on that transaction, and they have refused. I want whatever documentation there is in relation to the charge itself. I want to data entered into the terminal, app, or system, a copy of my signature, or whatever box was checked showing my agreement to that charge. 

Greensky openly acknowledges that it is a technology company and not a financial instituion. My loan is through XXXX XXXX, XXXX XXXX refuses to talk to me because I do not have the bank account information due to a Greensky " error ''. Greensky refuses to give me my bank info so I can complain to the bank itself and not Greensky who is not bound by consumer protection laws in regards to finance. I demand my bank account so when I say the word " Fraud '', it is to a bank and not a technology company, and that action will be taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23 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:
THERE ARE MULTIPLE FRAUD ACCOUNTS AND INQUIRIES ON EACH CREDIT BUREAU FOR ME. NOT SO MANY BUT ENOUGH FOR CONCERN, IM NOT ALLOWING THIS STUFF TO REMAIN ON MY REPORT, I WILL NOT STOP UNTIL THESE FRAUD ITEMS ARE GONE. 

IVE BEEN DISPUTING THE VALIDITY & RESPONSIBILITY TO THESE ACCOUNTS WITH THE CREDITORS AND THE CREDIT AGENCIES & NEITHER PARTY HAS SUPPLIED ME ( THE CONSUMER ) WITH ANY PROPER PROOF OF VALIDATION THAT THESE ITEMS BELONG TO ME CONSENSUALLY. 

IM A CLEAR VICTIM OF IDENTITY THEFT, IVE IDENTIFIED THE ITEMS THAT DON'T BELONG TO ME DIRECTLY WITH BOTH THE CREDITORS AND CREDIT BUREAUS, IVE DISPUTED CORRECTLY ALONG THE LINES OF THE 605B LAW IVE SENT THEM : A CLEAR PROOF OF IDENTITY OF ME, A FEDERAL TRADE COMMISSION ID THEFT REPORT, WITH STATEMENT CLARIFYING THESE ACCOUNTS AREN'T DUE TO ANY TRANSACTION MADE BY ME. 
A SHEET LISTING THE ACCOUNTS AND INQUIRIES IVE IDENTIFIED AS A RESULT OF ID THEFT. 

YET, THESE ITEMS HAVE NOT BE BEEN BLOCKED FROM MY REPORT, HECK THEY HAVEN'T EVEN BEEN PUT UNDER PROPER INVESTIGATION. SO IM HERE, FORCING THEM TO DO THIS THE RIGHT WAY UNDER CFPB 'S SURVEILLANCE.

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 2020-07-23 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:
THERE ARE MULTIPLE FRAUD ACCOUNTS AND INQUIRIES ON EACH CREDIT BUREAU FOR ME. NOT SO MANY BUT ENOUGH FOR CONCERN, IM NOT ALLOWING THIS STUFF TO REMAIN ON MY REPORT, I WILL NOT STOP UNTIL THESE FRAUD ITEMS ARE GONE. 

IVE BEEN DISPUTING THE VALIDITY & RESPONSIBILITY TO THESE ACCOUNTS WITH THE CREDITORS AND THE CREDIT AGENCIES & NEITHER PARTY HAS SUPPLIED ME ( THE CONSUMER ) WITH ANY PROPER PROOF OF VALIDATION THAT THESE ITEMS BELONG TO ME CONSENSUALLY. 

IM A CLEAR VICTIM OF IDENTITY THEFT, IVE IDENTIFIED THE ITEMS THAT DON'T BELONG TO ME DIRECTLY WITH BOTH THE CREDITORS AND CREDIT BUREAUS, IVE DISPUTED CORRECTLY ALONG THE LINES OF THE 605B LAW IVE SENT THEM : A CLEAR PROOF OF IDENTITY OF ME, A FEDERAL TRADE COMMISSION ID THEFT REPORT, WITH STATEMENT CLARIFYING THESE ACCOUNTS AREN'T DUE TO ANY TRANSACTION MADE BY ME. 
A SHEET LISTING THE ACCOUNTS AND INQUIRIES IVE IDENTIFIED AS A RESULT OF ID THEFT. 

YET, THESE ITEMS HAVE NOT BE BEEN BLOCKED FROM MY REPORT, HECK THEY HAVEN'T EVEN BEEN PUT UNDER PROPER INVESTIGATION. SO IM HERE, FORCING THEM TO DO THIS THE RIGHT WAY UNDER CFPB 'S SURVEILLANCE.

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 2020-07-23 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: TX

Complaint narrative:
There is an account listed on my credit that showing late payments and that is not correct. The account with with XXXX the last four of the account is XXXX. I had spoken with the company and they agreed that it was due to their error and that there should be no late payments listed. I have attached a copy of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: MO

Complaint narrative:
I recently sent letters over 30 days ago to this bureau and they are disregarding a regular consumers dispute. This has been very stressful and I have been sending letters before this complaint and still have gotten no response.

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 2020-07-23 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: TX

Complaint narrative:
There is an account listed on my credit that showing late payments and that is not correct. The account with with XXXX the last four of the account is XXXX. I had spoken with the company and they agreed that it was due to their error and that there should be no late payments listed. I have attached a copy of the letter.

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 2020-07-23 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: TX

Complaint narrative:
There is an account listed on my credit that showing late payments and that is not correct. The account with with XXXX the last four of the account is XXXX. I had spoken with the company and they agreed that it was due to their error and that there should be no late payments listed. I have attached a copy of the letter.

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 2020-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called to get a promotional balance transfer. I was told yer and given promotion over the phone. Now Regions bank will not honor the balance transfer. They are charging 19.9 % interest rate and a balance transfer fee of {$230.00}. I am 100 % sure it was a promotional rate if not would have never done. Their employee made mistake and does n ; 't even want to honor.

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 2020-07-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: LA

Complaint narrative:
When the CARES Act came to fruition I went on my mortage company 's website ( Citizens One ) to inquire about the deferral program everyone was talking about to see if it was legit or not. I used the companies secure messaging service to do so. ( Im sure copies of this correspondence are available and recorded. ) All I did was inquire about the program, when they replied and told me it was a forbearance, I replied, " No thank you '' and never inquired again. I received a forbearance packet in the mail which I shredded and did not respond to. When I tried to refinance my mortgage I was told that my mortgage was in forbearance and was not eligible. I immediately contacted the mortgage company ( Citizens One ) via their secure messaging service and informed them that I had not requested to be placed into forbearance and they needed to remove me immediately. I received a call from a lady named " XXXX '' in the office of the Chairman from Citizens One, and I explained all of this to her. I told her that had negatively impacted my credit and caused me to lose the opportunity to refinance. I told her I wanted a letter stating that I was mistakenly placed into this program and that I had made all payments during the period, that I could present to the company I was attempting to refinance with. SHe said she would have to call me back. She did in fact call me back, stating that I was now out of the program, as the 90 days had passed, ( So it appears that I voluntarily opted into this program and it simply ran its course ) but said that she could not send a letter. I want a letter from Citizens One stating that I was mistakenly placed into this program by no choice of my own, and that all payments were in fact made during this period. To date I still have not received this letter. 
Citizens One, Loan number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: CA

Complaint narrative:
Emails to " Executive Office of Discover Financial Services XXXX '' being FULLY IGNORED. Documents for verification have been attached, as well as original complaint. 

DISCOVER BANK HAS NO INTEREST IN RESOLVING THIS, THEY ARE FRAUDULANTLY HOLDING MY MONEY - EVEN WHEN I HAVE ATTACHED : 1. California Drivers License 2. Copy of 2 first pages of my Tax Return ( Slightly redacted ) 3. Copy of XXXX XXXX XXXX, showing amount of my refund - same as check You responded to my complaint ( s ) on CFPB, however have ignored all of my emails since your first on XX/XX/XXXX. 

" On XX/XX/2020, you were advised that any valid funds would be released to you after 60 days ; however, based upon further review of the account, we have been unable to release the funds. In order for us to lift the suspension of your account, further verification is needed. '' I sent in my CDL when the account was opened. This is my IRS REFUND Check you are messing with. There is NO further verification needed, since : 1. I submitted my CDL upon account opening 2. I am not sending in any furtherdocumentation, short of maybe a page from my Tax Return - and that will show ONLY my name, address and refund amount - You will get NOTHING further. 

BLATANTLY IGNORING ME - SENDING AND HAVE RECEIVED 2 POSTAL LETTERS, CONDESENDING AND INSULTING - TELLING ME WHAT YOUR DOING WITH MY MONEY - CFPB IS NOT DOING ANYTHING TO HELP ... 
HOWEVER, I HAVE FILED WITH SUPERIOR COURT, AND SHOULD BE SEEING THIS ON CALENDAR WITHIN A FEW MONTHS. WHILE, I KNOW I DON'T HAVE AN ARMY OF LAWYERS - SOCIAL MEDIA WILL TAKE CARE OF THAT, AND SINCE YOU DID WRONG NOT ME - I AM LOOKING FORWARD TO FINALLY COLLECTING MY TAX RETURN, AND OVER 65 % ADDITIONAL FOR SUFFERING AND PUNITIVE DAMAGES. 

I WANT MY MONEY - NOT IN A CHECK - I WANT TO KNOW WHY YOU ARE IGNORING ME -

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citigold account and funded it with {$250000.00} USD. I was incredibly unhappy with the product and offering so on XX/XX/2020 I setup a wire to get the money out of my account and back to the bank where it came from. When this wire was setup, Citi proceeded to wrongfully close my existing Checking account without my permission or request ; thus, nullifying my {$250000.00} USD wire transfer. I have been told, this is because it left Citi " no account to take the money from. '' Effectively, my wire never left Citi, and now my Citi account was closed so the {$250000.00} USD was not returned to my Citi account. This left my {$250000.00} USD " stuck in the wire system '' with nowhere to go. 

I called first thing XX/XX/2020 and someone was able to re-open my wrongfully closed account and said my {$250000.00} wire return to this account by the end of the business day. It did not, and it is now XX/XX/2020 and my money is nowhere to be found. 

I have called Citi bank every single day since XX/XX/2020 to try and get my money back. Today is XX/XX/2020. Every single day, and every single call, I am told a slight variation of the same " hiccup in the system, '' story. I have been hung up on multiple times. I am constantly transferred from one department to the next, and when I have asked to be escalated I am place on long holds and eventually the call is ended by Citi. I have never spoken to an escalated party because no one has allowed me to. My money has not been delivered to the wire destination and it has not been returned to my wrongfully closed, now re-opened, Citi 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 explanation
Consumer complaint received 2020-07-23 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 — Investigation took more than 30 days
Company: AES/PHEAA
State: UT

Complaint narrative:
I had made a non-typical student loan payment via " phone '' in XX/XX/XXXX. Apparently, what I had discovered was that my original phone payment transaction did not properly post to my student loan account. The transaction did NOT post for lack of funds in my bank account but rather an error on the creditor 's part. Eventually, I was told by an AES representative, the debit card did not process correctly due to possible transposed digits It was listed in the AES system as, Per Debit Split Card Not in Network. 
In turn, per AES 's policy, they do not make any immediate attempts via phone or email to notify their barrowers that the payment transaction did not properly post because of such a transaction error. AES never made any immediate attempt to notify me that there was an error on the card payment but rather let this error sit and stagnate. 
With today 's technology, it's interesting how such immediate notifications via text, phone and borrower 's personal emails are so readily available for such issues that AES still remains to rely so heavily on their AES website inbox and/or U.S. mail. 
On XX/XX/XXXX, I then made the second transaction of {$15.00} plus my regular monthly payment of {$46.00} to correct their card payment error. 
At the time, I stated to the AES representative being a long-time borrower XXXX XX/XX/XXXX XXXX that my only concern was that this error does not negatively impact my credit rating. 
The rep assuring me that any negative reporting would not happen. 
The end result was that AES reported a 30-day late payment to all the three credit bureaus. 
I have the enclosed my dispute document that I sent to American Education Services XX/XX/XXXX for your review. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
It's says PNC has made a change which prevent you from linking your account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been unable to log in to myequifax.com since last year. It was locked without explanation. When I called the first time, they said it was a glitch in the system and should work within days. It never did. I called again this past week XX/XX/XXXX and was told the case will be escalated and was given the case number XXXX XXXX by XXXX. He told me all should be well by this Tuesday XX/XX/XXXX. I called today again and was told that they are still working on it, with no further information except that I would be emailed after they fix it. This has me so stressed out. How can this company be allowed our personal information and then be so incompetent?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XXXX Comenity Bank contacted my children and my husband on their private cell phone lines, about my debt to Comenity Bank. Due to the pandemic, i have been unable to keep up. I find this a violation of my privacy, my children and spouse do not need to know my financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23 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: PA

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation