vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
On XX/XX/2018 I was ordering online a mattress pad from XXXX 's online when a pop up asked if I wanted to apply for a XXXX 's card. I had unlocked my credit to apply for a XXXX 's ( which went smoothly ) and a XXXX  's card from XX/XX/2018 to XX/XX/2018 to do so.I was told by XXXX that it would be good to place a fraud alert since I was removing my credit freeze for 3 months. So I said that would be fine even tho I have never had any fraud. I applied for the XXXX 's on the pop up on XX/XX/2018. I could not see anywhere on the pop up that the application had gone in. On XX/XX/2018 I called the XXXX, s number and asked if they had received the online application. The representative said just give me your information and I will put it in and they will contact you. I then received a letter from XXXX, s XX/XX/2018 saying declined unable to verify identity information. They had used XXXX. On XX/XX/2018 a letter from XXXX, s again saying declined because I was recently declined.They had used XXXX. I called XXXX  's to explain the above situation of 2 applications. The representative had no answer for me on what to do. On XX/XX/2018 I received a 3rd letter from XXXX 's saying I was declined because unable to verify credit reference due to security alert. ( which XXXX  had recommended ) and they had used XXXX. I called XXXX  for my credit report and it was fine.They had no answers for me. I would like to know why I could not get a supervisor at XXXX 's or XXXX  to look into this and help the consumer ( me ) .I understand XXXX  's is not obligated to issue credit to anyone.This is however a very frustrating to me since I trusted both XXXX and XXXX , s.

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 2019-01-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
my sears card was completley paid off, i contacted sears and was advised of the balance in an effort pay off total balance, one month later after paying off card, sears sent a bill for XXXX $ in interest.

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 2019-01-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has had to remove over {$7000.00} of fraudulent charges and interest from my card after a complaint was submitted to CFPB. The account still shows as a " Charge Off '' ; the account still shows a balance due ; the account still shows having mulitple delinquent payments. 

This is in complete error : Since Capital One was forced to remove nearly 90 % of the charges and interest on the account there would be no way for the cardholder, myself, to know what was actually due and when. Capital One also has no way to back up any claims of late payments since the vast majority of the alleged debt has been removed as fraud. Capital One still can not provide me with the totals due monthly for the periods they are stating were delinquent. They also can not verify that there is still {$510.00} in charges left on the account. Any attempt to work with Capital One is simply responded to with " it's pending '' or that they are correct in their claim without any evidence to back up their statements or any attempt to allow me to communicate with a senior account manager to keep this from a damage to credit issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Late payment showing on my account. 
No payment has been made late to this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX I funded a bitcoin wallet with Coinbase from my checking account and purchased XXXX bit coins. In XXXX I tried to access and close account and was unable to as I was unable to reset my password. I reached out to Coinbase support by email as that was their only method of communication and did not receive a response. When I tried to access my account in XXXX I no longer had the same email and phone number that was used to set up the account. This created issues with completing a self reset, which according to customer support is the only way to reset a password due to fraud. They had me go through a account verification process where I had to open another account, then provide my ID and Pic of myself captured from my mobile device. I was informed once I had provided them all this information they would be able to change my phone number and email address so I can self reset my password and get access to my account. This attempt was unsuccessful after completing the steps they had provided. I called again today XX/XX/XXXX and they wanted me to go through the exact same process which was unsuccessful previously. The value of bitcoin dropped significantly after XXXX and so I have lost money as a result of them holding onto my funds. I have engaged an attorney to help me collect my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lendmark Financial Services
State: DC

Complaint narrative:
On XX/XX/2019, I received a call on my cell phone from XXXX identified only as originating from " North Carolina ''. I greeted the caller, and a woman who identified herself as " XXXX '' explained that she was calling from Lendmark Financial Services because I was listed as a " reference '' for my cousin, XXXX. I told her I was happy to serve as a reference but I was in transit to work and perhaps she should call later. I said this in an effort to cut off the call because I had not spoke with my cousin XXXX in years. I thought to give myself an opportunity to reach out and check into the validity of the request. XXXX then says she has been having trouble reaching my cousin and perhaps I could tell XXXX to call her. The request seemed odd to me so I asked XXXX to call me back so she could leave a voice mail message with her contact information, that I would not answer, and that she could leave a detailed message so I could then forward it to my cousin. The voice mail message is attached. 

Using the number provided in XXXX 's voice mail message, I called and asked XXXX to give me her full name. She said " XXXX XXXX. '' I then asked if she was calling in regards to providing a " job reference. '' XXXX denied that it was a job reference and said instead that is in regards to my cousin 's account with Lendmark Financial. I asked her if she was using a ploy to contact my cousin about debt. She repeated the term " account ''. I asked to be transferred to her supervisor, who she identified as XXXX XXXX. I spoke with XXXX XXXX and he provided only the same information as XXXX - that I was listed as a " reference '' on an account. I learned later the same day that XXXX left a message to the same effect with my brother. That voice mail message is attached. 

The next day, XX/XX/2019, I had an opportunity to communicate with my cousin. She said that she never provided Lendmark Financial with my name or my brother 's name, much less our personal cell phone numbers. 

I called Mr. XXXX for points of clarification the same day, XX/XX/2019. He said that my cousin provided my name not as a reference but as a contact person to call should XXXX XXXX have difficulty reaching my cousin. When I asked for a copy of the document providing my contact information as provided by my cousin, he said he could no longer speak with me and that I should contact his " home office. '' Mr. XXXX did not seem confident when telling me exactly who in his home office I should contact. I asked if I could speak with XXXX XXXX, the person who initially called me to ask where or how she received my personal cell phone number. Mr. XXXX replied that I should contact the home office.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: CA

Complaint narrative:
XXXX  XXXX XXXX listed a 30 day late payment on my credit report for XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on Experian and XXXX. Please remove the 30 day late payment from my credit reports.

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 2019-01-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Bank listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX and XXXX. Please remove the 30/60/90/120 day late payments from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
There was fraudulent activity on my account on XX/XX/XXXX. Unauthorized checks came through my account that I didn't write nor did I authorize anyone to write. ( Hence since Ive had the account Ive never written a check or ordered checks ) After 30 business days I have not gotten any correspondence or information on the status of the investigation. I was told initially I would be contacted in 10 business days. To date I've called, went to the branch on several occasions and to no avail no one seemed to have an answer on the progress of the investigation. I called today XX/XX/XXXX and spoke with a TD representative, she gave me the name and the phone number to the agent that was handling my case ( XXXX XXXX ), however the number happened to be disconnected. I am aware that after 10 business days if there is no resolution on the investigation than a provisional credit will be issued. I spoke to a TD rep on XX/XX/XXXX and was told that was not the case. At this point I am very frustrated ; this has been a financial hardship and a great inconvenience. I need my money to be returned and my account to be cleared.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Clarity Services
State: MS

Complaint narrative:
I have been receiving " per-qualified '' offers and cash advances. I went to XXXX and opted out like all of them said to do. I received and mailed back the form to be permanently opted out. I am still receiving offers. One of them has XXXX  and one of there divisions XXXX XXXX XXXX or Clarity Services Inc ( as their e-mails says ). 

I contacted Clarity and was told I had to opt out with them directly and they were not part of XXXX. They are part of XXXX  their own customer support e-mail says they are. 

I believe this is all just a way for XXXX  and other Major credit bureaus to get around the opt out. They are making a lot of money with " selling '' my information so why would they stop. There is no incentive for them to stop. We don't have any ability NOT to be on any of these and we have no rights over how our information is used. We should be compensated by any company that violates the opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: CA

Complaint narrative:
XXXX XXXX XXXX  listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on Experian and XXXX. Please remove the 30/60/90/120 day late payments from my credit reports.

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 2019-01-25 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: CA

Complaint narrative:
XXXX XXXX listed multiple 30 and 60 day late payment on my credit report from XX/XX/XXXX to XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on Experian and XXXX. Please remove the 30/60 day late payments from my credit reports.

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 2019-01-25 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am experiencing an issue where Chase Bank is not fulfilling their obligations regarding transaction disputes and Visa network rules. I experienced a problem with a deceptive travel website and after I was charged, immediately called the merchant to let them know of the mistake and demand a refund. They refused, so a filed a dispute with Chase. They have denied my dispute and refuse to take any action, even though the practices I experienced with deceptive and misleading. Here is the information I provided to Chase : Dear Sir or Madam : As I indicated on the enclosed form, I do wish to continue with the dispute process. I believe the website design used by the merchant is deceptive and misleading to consumers. Also, I believe that even a reservation disclosed as non-refundable should be able to be cancelled if due to a typo or honest mistake and addressed immediately. It is unreasonable and unethical to refuse to honor an immediate cancellation for a misunderstanding caused by a misleading website. 
Here are additional details regarding the scenario for your reference : - On the date of the charge, I was searching for hotel rooms using several travel sites, including XXXX. My date of travel was approximately one week away. 
- I noticed that the default date search range was for two weeks out, past my intended travel date. Naturally, I changed the search parameters to meet my intended travel date and browed several results, read reviews, etc. 
- I did the same at several travel sites simultaneously. I never closed out my XXXX browser window. 
- Back on the XXXX site, I navigated back to the search results, picked a property and made the reservation, paying little attention to the dates selected, as I had changed them already. I was not aware that the behavior of the XXXX website discards your selection and changes their dates to make prices appear more favorable. This is a deceptive, unethical practice. 
- As soon as I received my email confirmation, I noticed the error and immediately called XXXX. This happened in less than 5 minutes after the reservation. They claimed they would negotiate with the hotel to cancel the reservation. I do not know what they actually did, but when getting back to me, they told me they were not successful and I could not get a refund. They offered to move my reservation for a substantial increase in price. I declined. 
A website may attempt to claim and enforce unenforceable terms and conditions, however I did not agree to this practice and there was no meeting of the minds. 
Thank you for your consideration and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : DEBT RECOVERY SOLUTIONS Balance {$750.00}, {$510.00}. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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:
XXXX XXXX listed multiple 30 and 60 day late payment on my credit report from XX/XX/XXXX to XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX  and Transunion. Please remove the 30/60 day late payments from my credit reports.

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 2019-01-25 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: CA

Complaint narrative:
XXXX XXXX listed multiple 30 and 60 day late payment on my credit report from XX/XX/XXXX to XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX and XXXX. Please remove the 30/60 day late  payments from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I want to report deceptive banking practices of Citibank. They were offering a promotion to open a checking account and deposit XXXX within 30 days ( leave in for 60 days ) and receive a XXXX bonus. It seems to me that they would intentionally set up roadblocks to prevent the customer from achieving the benchmarks needed to fulfill the requirements. First off, they do not have a local branch in my state, so everything must be done online or with phone call ( involving being on permahold ). The account was applied for on XX/XX/XXXX, but was not yet approved. After receiving an email in early XXXX that they would need more documents and information before my account would be fully functional. After completing all the extra documentation, I had to go through the process of adding an external bank account so that I could wire funds ( again, no local branch, can not go in person and just deposit money ). I have a transaction on my account that states I transferred XXXX on XX/XX/XXXX, which should be within the 30 day time frame they require. 
After waiting the appropriate 5+ months ( 60 days for the XXXX balance and waiting 90 days for promotion payout ) I reached out to Citi to ask about my promotion. They stated I would receive an email after they looked into the matter. I received an email on XX/XX/XXXX that I do not qualify for the promotion because I did not deposit XXXX within the 30 day time frame because they show that the transfer I did on XX/XX/XXXX did not clear in their system until XX/XX/XXXX. I don't think it is the customer 's fault that it takes 5 days for a transfer to clear their system. I tried very diligently to meet their requirements, but I believe that they make it difficult to do so, and use banking delays deliberately in their favor.

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 2019-01-25 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX/XXXX  XXXX  listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX and XXXX. Please remove the 30/60/90/120 day late payments from my credit reports.

Company response to consumer: Closed with explanation