vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
On XX/XX/2020 the XXXX  dollar annual fee for my CitiBank XXXX XXXX Platinum Select Card post to my account. On XXXX XXXX I contacted Citibank 's Consumer Credit Division to ask if it was too late to cancel the card and have the annual fee refund. The Citi representative replied that it was not too late to have the annual fee refunded if I canceled the card, as Citi would refund an annual fee as long as the card was canceled within 60 days of the fee posting. Given that information, I asked and was approved to close my Citibank XXXX  Platinum Select on XX/XX/XXXX. When I noticed that the annual fee had not been removed from my account the following day, I again called Citibank and was informed on XX/XX/2020 by another representative that the fee would be removed as I had cancelled within Citi 's 60 day refund window. I assumed the matter was closed and did not monitor the account further. 

On XX/XX/2020 I received an email, noting that I had a XXXX  dollar past due payment on my Citibank XXXX  Platinum Select Credit Card. After verifying that the fee was in fact still on my account, I attempted to contact Customer Service with seven separate calls. I was placed on hold for more than two hours for two of the first six calls. For four of the first six calls, the automated system ended my call during my wait period with no explanation. I was finally about to speak to a Citi customer service representative on my seventh attempt. The representative informed me that she could not remove the annual fee from my account, as Citi had recently changed its annual fee refund policy, saying that while it had previously been 60 days from the fee posting it was now 37 days. I pointed out to the representative that was not what I had been told when I cancelled the card, and noted that if I had known I would need to pay the annual fee regardless, I would have at least chosen to keep the card for the additional year to take advantage of the benefits. I also pointed out to the representative that no where in Citi 's Card Member Agreement do they define a specific timeline for how long a client has to request a refund after an annual fee posts to their account. I also pointed out that I had never received any notification regarding Citi 's refund policy change. Most importantly I felt it was completely unjust that I am expected to pay an annual fee for benefits I will not be able to use, as I had already cancelled the card based on different advice.

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 2020-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
Following up on unresolved complaint XXXX. The previous response addressed by TransferWise was the wrong transaction, I am referring to the transaction # XXXX. 


I locked in my rate to transfer from USD to XXXX to support my brothers XXXX XXXX struggling in XXXX with TransferWise. Consistent with previous transfers, I was informed I had 24 hours to send the money. I received a message that my transfer had been canceled without consulting me ( within 12 hours of locking it in ) because the rate had changed. Disappointed is an understatement. Its evident the only reason they cancelled my transfer was due to the fact that I had locked in the transfer at a good rate and that subsequent changes in the dollar were more favourable to TransferWise. As a foreign exchange business surely its a business practice to hedge rather than arbitrarily cancel customers transfers. How on earth can customers trust this business? This affects people, their families and their businesses. On top of this, they are choosing to engage in shady cancellations during one of the most tumultuous and stressful times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On XX/XX/2020, I opened a checking account with Wells Fargo. As a condition of opening this account, I was eligible to receive a {$400.00} bonus if I received {$4000.00} in direct deposits within three months of opening the account. On Friday, XX/XX/2020, I reached that objective. On Tuesday, XX/XX/2020, I logged into my Wells Fargo checking account and learned that the account had been closed by Wells Fargo. Ive attempted to call Wells Fargo customer service multiple times, and repeatedly get the message that They are experiencing unexpected high call volume and are unable to take my call at this time I also have my mortgage, 401k Retirement account and credit card with Wells Fargo. I believe the checking account was closed simply because I achieved the goal to receive the {$400.00} bonus.

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 2020-04-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
see attatched ID THEFT case XXXX XX/XX/XXXX USAA Rep XXXX CONFIRMS " YOU HAD NO FRAUD REPORT XX/XX/XXXX YOU HAD DISPUTES ** THEY WERE NOT IN YOUR FAVOR. see attatched CREDIT CARD FRAUD CLAIM LETTER dated XX/XX/XXXX CLAIM DATE XX/XX/XXXX {$470.00} CONFIRMS UNAUTHORIZED TRANSACTIONS DID OCCUR & TEMPORARY CREDITS MADE PERMANET. XXXX has finally explained WHY THERE ARE NO USAA CREDITS TO MAKE PERMANET. ( *** USAA DENIED MY RIGHT TO REPORT FRAUD XX/XX/XXXX. *** ) USAA HAS HELD ME LIABLE FOR FRAUD SINCE XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank I am having trouble paying my bills with my debit card last night. ( I HAVE A CHECKING ACCOUNT ) have than enough money in my account to cover bills ( I already had enough money on my account, and made more deposits last night ). 

Why does my debit card continue to decline? Ive already called 5 times. 

Customer service rep 1 : Everythings ok, your card shouldnt of been declined I tried paying my bill. Same issue. Declined. I called back 10 mins later. 

Customer service rep # 2 : it seems fine, but I cant do anything our system is down. Try calling us at XXXX your time. 

Tried paying my bill again. Same thing happened. 

Called back 10 mins later. 

Customer Service # 3 : hangs up on me without even opening my mouth. 

Call 4 and 5. Been on hold for more thank 30 mins. 

Please help. Ive already written to them on BOTH your XXXX accounts ( Citi and Citibank US ), I sent a PRIVATE MESSAGE to Citibank US on XXXX, and I left a COMMENT on your XXXX  Account @ citi, and sent a PRIVATE MESSAGE on XXXX @ Citi with the same message. I also emailed them. 

They finally respond back on XXXX, telling me to call their Fraud department which I did. The Fraud department doesnt know whats going on, and is convinced that its not them. I straight up sat with the Fraud department and tried 3 different retailers : XXXX to pay my insurance XXXX XXXX 3 different retailers are telling me its CITIBANK, and not them. Fraud Department leaves me hanging, and transferring me over to customer service. I was place on hold with customer yet again for the 8th time now ... someone picks up and hangs up on me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Choice Recovery, Inc.
State: GA

Complaint narrative:
on XX/XX/20, I received an email from by credit card company notifying me that my credit score had dropped. This prompted me to check my credit report to see 2 collection accounts on my credit file from Choice Recovery , Inc. ( collection agency ) each for {$35.00} with XXXX XXXX XXXX. I had never heard of Choice Recovery , Inc. until XX/XX/20. I called XXXX XXXX XXXX and they confirmed they had made an error and the account had a XXXX balance. 

Choice Recovery , Inc. has 2 collection accounts on my credit file and did not validate the debt or give me opportunity to dispute the debt. The false reporting remains on my credit report. Choice Recovery, Inc. needs to be held responsible for making false reporting to the credit bureau 's and causing damage to people 's lives. 

thank you for your role in helping with this situation and putting Choice Recovery , Inc. on notice for their actions.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Since XX/XX/XXXX I am requesting XXXX XXXX to show a second mortgage account as closed in my credit report and they ignore me. I even talked to them over the phone last year and they recognized it was a mistake and agreed to fix it but the account still shows as an open account in delinquency. This house was sold by the bank by XX/XX/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 2020-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Credit score is frozen and lowered to a misrepresented score that doesnt match history. No inquiries or no new credit accounts. All payment history represents stellar payment history for over 15 years and 1 open account with a payment history reflecting stellar for 4 years never delinquent. The two credit bureaus owned by transunion Llc are TrasUnion and XXXX these are the only 2 reflecting negative scoring. These scores were altered and its history by transunion to reflect negative scores.While they both have different scoring models somehow they show the exact same score of XXXX. The score of XXXX does NOT reflect 15 years of stellar payment history nor is it a reflection of the current account of 4 years stellar payment history.

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 2020-04-19 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: FL

Complaint narrative:
There was a home Invasion at my house, One Of The Items That Was stolen Out Of My House Was My Laptop With All Of Me and My Wife Personals Information. Me and My Wife have Been Victim Of Identity Theft They somehow Open Fraudulent Accounts Using Our Information. 
Attached You '' ll find Police report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
On XX/XX/20, I received notice from credit card company that my credit score had decreased by 100pts!!. This prompted me to check my credit report. There was a collection account posted XXXX on my report by First Financial Asset Mgmt for XXXX XXXX XXXX in the amount of {$210.00}. I have never heard of First Financial Asset Mgmt until XX/XX/20. I have disputed the validity by phone and in writing with First Financial Asset Mgmt., but the false reporting remains damaging to my credit report. I need to report the practices of First Financial Asset Mgmt. I would like them to be held responsible for the damages caused to me and my family for making false reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: WY

Complaint narrative:
On XX/XX/20 I logged into my bank account and noticed a {$240.00} charge to " CashApp. '' After searching around online, I discovered this was a virtual money transfer service. However, since I do not have a CashApp account, the charge was clearly fraudulent. I then contacted my bank to report the fraudulent transaction. The Bank opened an investigation and recommended I call the merchant. Upon searching the internet for the merchant 's contact information, I found that CashApp does not provide consumers with a customer support line, email service, or web support service. Furthermore, I found a deluge of complaints from people online suffering from similar instances of fraud related to CashApp. However, because CashApp offers no means for consumers to report fraud or flag a fraudulent account, the only thing victims of fraud can do is report the transaction to their bank and wait. This is ridiculous. I can not believe this company is essentially permitted to facilitate fraud. Clearly, since someone was able to open an account with only my debit card number, CashApp requires no real identity verification measures. And, since I can not flag the account or contact CashApp, the user can keep it open in my name. Please do something to put a stop to this company 's horrendous practices. 

All best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: FL

Complaint narrative:
There was a home Invasion at my house, One Of The Items That Was stolen Out Of My House Was My Laptop With All Of Me and My Wife Personals Information. Me and My Wife have Been Victim Of Identity Theft They somehow Open Fraudulent Accounts Using Our Information. 
Attached You '' ll find Police report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: FL

Complaint narrative:
There was a home Invasion at my house, One Of The Items That Was stolen Out Of My House Was My Laptop With All Of Me and My Wife Personals Information. Me and My Wife have Been Victim Of Identity Theft They somehow Open Fraudulent Accounts Using Our Information. 
Attached You '' ll find Police report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: TX

Complaint narrative:
sent ftc for bankruptcy that lexisnexis is reporting XXXX XXXX and other information about me is not correct filed FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: PA

Complaint narrative:
Trying to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased a clearance mattress from Mattress Firm, which they offered financing for. When I applied for this loan, I was under the impression, rightly or wrongly, that I was applying for an installment loan, or some other closed line of credit, but it was opened as a credit card with Synchrony Bank. I was never provided a Regulation CC disclosure during the process. The only indication I had that I had applied for a credit card was the receipt I signed, which stated 'Terms : This transaction is covered by your credit card agreement with Synchrony Bank . ' A credit card agreement I did not have access to. 
Had I had access to the terms of the credit card loan, I would have considered my other options. Having an open-ended loan affects my ability to access as much credit in the near future. When I spoke to the store manager, she told me 'Well if you close it now, it will hurt your credit more. ' The district manager was apologetic, but told I should have asked for those disclosures. It is not the responsibility of the consumer to request those mandatory disclosures, it is the lender 's.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-19 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: OH

Complaint narrative:
Credit score is frozen and lowered to a misrepresented score that doesnt match history. No inquiries or no new credit accounts. All payment history represents stellar payment history for over 15 years and 1 open account with a payment history reflecting stellar for 4 years never delinquent. The two credit bureaus owned by XXXX XXXX are XXXX and Experian these are the only 2 reflecting negative scoring. These scores were altered and its history by XXXX to reflect negative scores.While they both have different scoring models somehow they show the exact same score of XXXX. The score of XXXX does NOT reflect 15 years of stellar payment history nor is it a reflection of the current account of 4 years stellar payment history.

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 2020-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Integrity Funding Ohio, LLC
State: TX

Complaint narrative:
I tried to get an extension due to the loss of my job because of COVID-19. I left them a message after they called me about my payment on or before XX/XX/2020. I asked for an extension on my balance of {$580.00} ( approx ). I was told the main office would not open until Monday of the week of the XXXX. 

They called me on Monday the XXXX to let me know I had to pay {$270.00} and the rest in XX/XX/2020. I told them I did not have the money. I asked for a better extension and was denied ( spoke to XXXX ). I was told them all I had was {$200.00}. This money was supposed to be for my light and water bills. They took the {$200.00} and refused to give me an extension for the XXXX payment because I had an agreement I had to fulfill. The agreement was made in XXXX when I filed a complaint against them. 

It is out of my control that we are dealing with Covid19. I am now struggling to pay my utility bills because I had to pay them the {$200.00} on the XXXX of XXXX, 2020. 

It is sad to say, while they were taking all my interest money in the past they were very happy with me as a client. Now they are rude and ugly to me. I gave them so much interest money it is pitiful they treat me like this now. 

My balance is now approx {$390.00} and I can not pay this in XXXX. I am willing to pay it in the installment of {$130.00} in three months. If they refuse and take my car I will sue them. I have never refused to pay them. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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 — Investigation took more than 30 days
Company: ONEMAIN FINANCE CORPORATION
State: TX

Complaint narrative:
One XX/XX/XXXX when signing the original loan documents papers with Onemain Financial. During the signing process the loan representative changed the original loan documents causing the original loan approval to be deleted. The loan representative keep trying to get the loan reapproved but his actions resulted in multiple hard credit inquires and letters that the loan was declined. I was finally able to sign for the loan on XX/XX/XXXX. I called XXXX  but was told that I need to file a police report and send them a copy of the report. They refused to open a dispute. 
I mailed a letter dated XX/XX/XXXX to Onemain Financial disputing the multiple hard inquiries. I confirmed, by phone, that the letter was received on XX/XX/XXXX. 
Their response was to send me letter why my loan was turned down instead of investigating the issue. I have made several calls to get a update on my dispute but only receive a run around. My last contact with Onemain Financial was on XX/XX/XXXX. I was told that my file was given to someone who was investigating the dispute and finished it XX/XX/XXXX. I was also told that I may to start the dispute process over.

Company response to consumer: Closed with explanation