vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-07 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: NY

Complaint narrative:
Opened Bank account with {$15000.00} in funding split between Savings and Checking for {$400.00} bonus as seen here. 

XXXX XXXX XXXX XXXX XXXX XXXX Account was opened on XX/XX/XXXX.  Bonus terms said money had to be in account for 60 days. No bonus was posted after. Contacted Citi multiple times and still no resolution

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 2019-01-07 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: GA

Complaint narrative:
I have submitted letters and FTC letters to XXXX XXXX on several occasions informing them that the stated account do not belong to me. XXXX XXXX have proceeded to ignore my disputes and complaints. So I need your assistance in getting this matter taken care of.

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 2019-01-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get 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 non-monetary relief
Consumer complaint received 2019-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am filing this complaint for two charges made by XXXX  XXXX on my VISA card with Bank of America. The first charge was in the amount of {$11000.00} and the second for {$900.00}. Both of these charges were made in XXXX of XXXX, yet no products or services were received in exchange. This is due to the fact that the XXXX  organization was shut down by the FTC in XXXX of XXXX. 

I had several XXXX charges on multiple credit cards with various banks, and ALL of them with the exception of Bank of America have refunded my money on the basis of these being fraudulent charges which were made by an illegal enterprise. 

After much back and forth dialogue which was necessitated by BofA 's complete lack of clarity on the information they required, I realized that they wanted exactly the same info as the numerous other banks from which I successfully obtained refunds on disputed charges of exactly the same nature with XXXX. I made countless attempts to supply all the information which they requested to help resolve the dispute in a timely manner. Their requests for further information were confusingly vague, yet still I supplied all the information I had available. 

Without offering me a chance for rebuttal, they repeatedly denied my claim and supplied me with inaccurate information regarding the state of my dispute. I was told by BofA that they had sent me follow-up letters for further details, yet throughout the entire ordeal I never received anything from them but denial letters. It was only in these denial letters that they explained what further information was needed. With every denial I subsequently had BofA reopen the case and I then submitted all requested information. In each case I continued with many follow up calls to make sure BofA had everything they needed. On multiple occasions when I requested clarification regarding what info they needed, I was told that they had " forgotten '' to send me critical information which would have been crucial to support my case. 

Unbeknownst to me, time limit for a resolution on this dispute passed in XXXX, yet I was never informed by BofA of any kind of timeline until XXXX of XXXX during one of my many follow-up phone calls.

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 2019-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a request for appeal via certified mail to Navy Federal Credit Union in regards to an account closing. The aforementioned institution has placed me on restriction from using its products due to fraudulent activity in XX/XX/XXXX and has reported this restriction to XXXX XXXX XXXX XXXX, This has essentially placed my personal financial activity on hold with my other banking institutions and jeopardizes the closing of those accounts and the in ability to open another account/product with existing institutions or new ones. In this request, I sent copies of the transactions in question as well as all of my personal identification information, all of which proves that I not only did not initiate the transaction as the " Fraud Activity '' claim would infer, as I was a victim of a client who gave me 2 checks that I had no prior knowledge were drafted on a closed account. After my Navy FCU account was restricted, I made sure that the entire transaction amount was 'Paid in Full '' plus absorbant fees were paid as well. Despite my earnest efforts to explain and bring forth a positive closure to the this stress situation I have received absolutely no clarity or response form Navy FCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: TX

Complaint narrative:
I've called and mailed the bureaus and asked to have the info corrected. The problem is still here. I can not pull up or see my credit report nor my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Good Afternoon, I was shocked when I reviewed my credit report and found late payments reported on my credit report. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I still went ahead and made the payment as shown on the receipt attached, however there still discrepancies shown on my credit report the way it's reporting such as with the wrong balance, wrong date of last activities, etc. There are several and multiple inaccuracies reporting on my credit report with this account. Due to these multiple violations on the way, it's reporting, I'm asking that this account be updated and paid as agreed never late or completely removed from my credit file.

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 2019-01-07 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: CITIBANK, N.A.
State: NH

Complaint narrative:
This fall, I received in the mail and email a special offer if you activate and spend {$500.00} per month, you will earn {$30.00} additional XXXX XXXX for the months of XXXX, XXXX, and XXXX. I thought that was a good deal, so I activated my XXXX XXXX card and started using primarily that card for holiday shopping and vacation. I called the company questioning where the XXXX XXXX  were today ( XX/XX/19 ) and I was told I never activated the promotion. When receiving the follow up mail, it said if you already activated your card, ignore this. So now I am out the additional XXXX XXXX and since I wasnt using my normal card, I didnt get that cash back. I am very frustrated. And this is the third issue I have had with this XXXX XXXX/citi card since activation in 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 2019-01-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've called and mailed the bureaus and asked to have the info corrected. The problem is still here. I can not pull up or see my credit report nor my credit scores.

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 2019-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Good Afternoon, I was shocked when I reviewed my credit report and found late payments reported on my credit report. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I still went ahead and made the payment as shown on the receipt attached, however there still discrepancies shown on my credit report the way it's reporting such as with the wrong balance, wrong date of last activities, etc. There are several and multiple inaccuracies reporting on my credit report with this account. Due to these multiple violations on the way, it's reporting, I'm asking that this account be updated and paid as agreed never late or completely removed from my credit file. Please see the settlement offer shown attached!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My American Express Bluebird card account was stolen and all the money in my account was used to make purchases. I reported this to American Express, and submitted the Declaration of Fraud, and called them, and they refuse to recognize that my account was stolen..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
On XX/XX/2018 I reported a case with COMPLAINT id # : XXXX-XXXX and XXXX-XXXX. 

I have already made payment of {$270.00} to XXXX XXXX , XXXX XXXX on XX/XX/2018 on behalf of XXXX XXXX Hospital in XXXX Texas and XXXX XXXX Hospital is aware of it. 

Though the payment I made was not refunded back to me but immediately after that payment I started receiving another mail from XXXX ( XXXX XXXX XXXX ) XXXX. XXXX  XXXX, XXXX, OH XXXX asking me to pay {$240.00} for same purpose ( for visiting XXXX XXXX Hospital in XXXX Texas ). 

I called XXXX XXXX Hospital in XXXX Texas today and they told me my account is {$0.00} balance because I settle last 2 months. I later call the XXXX XXXX XXXX and they insisted I must pay the {$240.00} and when I tried to explain to her, she will only say your case will be reported to credit bureau. 

The Reference number they gave me in the mail is : XXXX and pin : XXXX and amount is {$240.00}. I am not owing XXXX XXXX Hospital in XXXX and XXXX XXXX XXXX need to delete my  information from their database. Thanks for your usual support.

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 2019-01-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX and XX/XX/XXXX ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-07 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:
I had an XXXX  collection that was sent to collection in error. I fought back and forth with XXXX XXXX and XXXX to make sure this error on XXXX 's part did not adversely affect my credit score. I was assured it would not. Once the error was corrected I paid off my balance with XXXX. Now I am being hurt by over 50 points on my credit score because this account is showing up on my XXXX   and Transunion reports. This is causing me to not be able to get my home loan that I have been working so hard to get. Currently my family is XXXX and we are living with my in laws because we were expected to have our home loan funded by this time, but now because this account is reporting we are not able to obtain financing.

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 2019-01-07 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: MD

Complaint narrative:
Ive never lived at the address XXXX XXXX, XXXX, PA XXXX address id # 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 2019-01-07 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: EQUIFAX, INC.
State: VA

Complaint narrative:
There is a balance of XXXX from XXXX XXXX ON MY XXXX MY EQUAFAX AND MY XXXX CREDIT REPORT WHICH WAS PUT ON MY CREDIT REPORT XX/XX/2018. THE AGREEMENT BETWEEN MYSELF AND XXXX WAS I WAS GOING TO PAY THE XXXX TO THEM ON XX/XX/2018. I CALLED XXXX ON THE PHONE AND TA ; LK TO A REPRESENTIVE AND I EXPLAIN THAT I DIDNT HAVE MY ACCOUNT NUMBER WHEN I MAIL MY CHECK OF XXXX TO THEM. I MAIL IT BY UNITED STATE POST OFFICE TO THE ADDRESS WHICH I SAW ON THERE WEBSITE WHICH WAS XXXX XXXX XXXX XXXX NEW JERSEY XXXX ON XX/XX/XXXX IN THE XXXX. ON XX/XX/XXXX I  RECEIVE ALERT FROM XXXX  THAT I HAVE A COLLECTION ON MY ACCOUNT. SO I WENT TO VIEW MY ACCOUNT I SEE A XXXX ACCOUNT WITH A BALANCE OF XXXX  PAST DUE IN COLLECTION. I CALLED XXXX THE NEXT DAY ABOUT IT AND THEY SAID THAT THEY DIDNT RECEIVE MY PAYMENT AS I EXPLAIN TO THEM I MAIL IN A CHECK TO THEM AND MY BANK HAS NOT CASH THE CHECK I ALSO EXPLAIN TO THEM THAT I HAVE NOT RECEIVE ANY EMAILS OR LETTERS FROM THEM CONCERNING THIS ACCOUNT WHICH THEY DIDNT CARE ABOUT IT. I EXPLAIN TO THEM THAT I CAN PAY THIS AGAIN SINCE I MADE PART OF PAYMENT EARLIER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There is a balance of XXXX from XXXX XXXX ON MY EXPERIAN MY XXXX   AND MY XXXX  CREDIT REPORT WHICH WAS PUT ON MY CREDIT REPORT XX/XX/2018. THE AGREEMENT BETWEEN MYSELF AND XXXX WAS I WAS GOING TO PAY THE XXXX TO THEM ON XX/XX/2018. I CALLED XXXX ON THE PHONE AND TA ; LK TO A REPRESENTIVE AND I EXPLAIN THAT I DIDNT HAVE MY ACCOUNT NUMBER WHEN I MAIL MY CHECK OF XXXX TO THEM. I MAIL IT BY UNITED STATE POST OFFICE TO THE ADDRESS WHICH I SAW ON THERE WEBSITE WHICH WAS XXXX XXXX XXXX XXXX NEW JERSEY XXXX ON XX/XX/XXXX IN THE XXXX. ON XX/XX/XXXX I RECEIVE ALERT FROM EXPERIAN THAT I HAVE A COLLECTION ON MY ACCOUNT. SO I WENT TO VIEW MY ACCOUNT I SEE A XXXX ACCOUNT WITH A BALANCE OF XXXX PAST DUE IN COLLECTION. I CALLED XXXX THE NEXT DAY ABOUT IT AND THEY SAID THAT THEY DIDNT RECEIVE MY PAYMENT AS I EXPLAIN TO THEM I MAIL IN A CHECK TO THEM AND MY BANK HAS NOT CASH THE CHECK I ALSO EXPLAIN TO THEM THAT I HAVE NOT RECEIVE ANY EMAILS OR LETTERS FROM THEM CONCERNING THIS ACCOUNT WHICH THEY DIDNT CARE ABOUT IT. I EXPLAIN TO THEM THAT I CAN PAY THIS AGAIN SINCE I MADE PART OF PAYMENT EARLIER.

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 2019-01-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please refer to my XX/XX/2019 CONSUMER FINANCE PROTECTION BUREAU correspondence for full details and allegations of " 18 U.S. Code 876 - Mailing threatening and other Federal and State of Texas Statute Violations Maliciously Used to Damage My Experian Report and Score ''.

Please note that I am attaching 2 copies of my XX/XX/2019 CONSUMER FINANCE PROTECTION BUREAU PDF copy that is unsigned for the purpose of clicking supporting links that can be reviewed and another duplicate signed copy that was scanned. 

Both letters describe full details of my allegations of 18 U.S. Code 876 - Mailing threatening and other Federal and State of Texas Statute Violations Maliciously Used to Damage My Experian Report and Score.

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 2019-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NV

Complaint narrative:
I have a student loan that I have been paying on for almost 8 years now, and I am looking to get them forgiven in year 10 with the public student loan forgiveness program. To initiate this process, you submit a form and the company, XXXX XXXX XXXX, sends you a status on how many payments of the 120 required for the forgiveness I have completed. When I received my notice, it stated that only 15 of my 70-80 or so payments have qualified, basically disqualifying me from the program as I will have paid my loans off before I reach 120 payments. I have my loans split, and one that I have been paying on for 8 years says that only 5 of my payments have qualified, noone I have talked to on the phone can explain why and state it is easy to see I have made all my full ontime payments since I have opened my account. 

This information is incorrect, I have paid my full amount due each month and in the right repayment plan. I requested an audit of my payments and account on XX/XX/XXXX. Over the past 11 months, I have received no information on where I stand with the review of my account. I have called approximately 6 times to inquire and each time no information or updates have been provided, and have been told to continue to " be patient ''. All the while, requests for my income and increases to my monthly payments are handled and implemented in less than a week. The company is quick to resolve matters that favor them, but has done 0 to assist me. 

I have recently sent in emails to the company, 3 have been acknowledged as received in their system, but no responses, and a phone call today XX/XX/XXXX also ended in a " continue to be patient '' response. 

I am now requesting help in resolving this as the company is taking 0 action to help me and I have no where else to turn. I would like to have my audit completed to know where I stand with my loan, or if there is still an error, find out what I can do to rectify the problem. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I accidently sent a check made out to an individual to Capital One. After the individual did not get the check I realized the mistake. Capital One processed the check that I had made out to the individual for {$1500.00}. Keep in mind that I have a loan with them but the payment is only {$370.00}. I am not understanding why they did not send the check back to me or even notify me of the error. This raises questions as to the practice they use to handle funds especially those that are not made out to Capital One. Check # XXXX was made out to XXXX XXXX.for {$1500.00} on XX/XX/XXXX and processed at Capital One on XX/XX/XXXX. This should have never happened and the fact that I was not notified alarms me. Perhaps an audit should be done!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My daughter was the victim of fraud in her checking account. The account was a teen account for which I had to sign when she was under the age of XXXX. She is now XXXX and the account was never updated so my name still on it too. 

Due to the issues she had with her account Wells Fargo cancelled my credit card I had for 15 years. My history is clean and I make my payments on time. I think this is an arbitrary decision on their part and they took it without even trying to contact me first.

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