vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for the Citi Double Cash Card in XX/XX/XXXX and was told by a representative it had 0 % interest and in fact it still does show on their website under the " 0 % intro APR '' which is a complete and utter lie -- this should be illegal. 
https : //www.citi.com/credit-cards/compare/0-percent-intro-apr-credit-cards I have always paid the minimum payment on time then recognized after reviewing my bill that it was generating interest when it wasn't supposed to be -- this really upset me as a consumer who felt lied to. 

In early XXXX, I had my credit line increased so Citi could make more money off me by trying to saddle me with debt -- below is an article about how XXXX XXXX started this practice. 
https : XXXX On XX/XX/XXXX, I spoke with a representative at Citi Card and he told me he reversed 3 interest charge payments -- except he didn't. 

Apparently it went above him for approval and was denied -- except this was never told to me ... until I called in today on XX/XX/XXXX and spoke with a supervisor who told me " I'm sorry this wasn't communicated to you '' -- these people are liars. 

So then my account generated interested from XX/XX/XXXX to XX/XX/XXXX when I had paid off the entire {$12000.00} balance ( except for the interest fees that were going to be credited back to me ). 

Citi Bank are liars and frauds.

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 2021-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I have an active account with XXXX XXXX XXXX. I have my 2 Capital One credit cards listed with XXXX XXXX XXXX. XXXX XXXX XXXX shows these 2 credit card accounts as being resolved, waiting payments. XXXX XXXX XXXX will be submitting those payments for me. 
Capital One Account Services has " robocalled '' me several times for a 'very important matter '. It's about these 2 accounts. Each time I tell them to contact XXXX XXXX XXXX. Each time I call the number back that office is closed, usually on the weekend or late evening. I am then told to call back the next business day. 
The last call I received was Saturday, XX/XX/2021 at XXXX XXXX. I was told to call XXXX to resolve this matter. When I called them back the customer service agent informed me that the department " auto calling '' me was closed till Monday and to call back then. I informed them once again to call XXXX XXXX XXXX. 
I believe they are trying to harass me into paying them myself, thereby disqualifying the agreement arranged by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
We purchased a vacation rental with our Barclay mastercard in XXXX XXXX for a 2-month stay in XXXX. Guaranteed in the contract was a full credit voucher for a later stay in case the border closed. This gave us the confidence to book, plus it was paid through the supposedly reputable company " XXXX '' who has their own " Booking with Confidence/Payment Protection Plan ''. 

The border closed on the day of our flight ( XXXX XXXX, XXXX ) and we were denied our credit voucher. XXXX would not help us, despite their protection policies. They said we were on our own to deal with the overseas owner, with whom we have no leverage. This is a major deception in business practices and false advertising/misleading guarantees/bad faith. No one would ever book with a company like XXXX if they knew they had no protection and were on their own with overseas owners. 

We purchased a vacation rental, whether it was for XXXX or a later date. It is a tangible product and though we paid for it in entirety, we have been refused the product and have nothing to show for our over {$4000.00} payment. Barclay has refused to issue a refund, siding with XXXX despite our not having the product we paid for. We have had several phone calls with both Barclay ( who will not answer their customer service phone ; we were on hold for 3 hours and refused requests to speak with a manager ) and with XXXX who refuse to help. Certified letters including dozens of documents have been sent to Barclay, and also to XXXX, but to no avail.

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 2021-04-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Revenue, Inc.
State: PA

Complaint narrative:
On XX/XX/2020 l was approved for a debt relief program for this debt. On XX/XX/2020 Eastern Revenue was notified by Mrs XXXX XXXX, director of student accounts of XXXX XXXX XXXX XXXX that my account was paid and this account had to be closed. But they keep calling me yet and keep the account open hurting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CL Holdings LLC
State: NC

Complaint narrative:
I have been trying to get correspondence regarding a repo Jefferson Capital Systems. I do know anything they report to the credit bureaus they must have proof of what they are reporting. The information must be 100 % accurate, 100 % verifiable, and 100 % timely. If they do no this is considered illegal and purposefully harmful. The reporting of this information has hindered me from obtaining credit. I have mailed two letters requesting proof of what they are reporting. Both sent certified mail ( attached ). The letters were hand-delivered to XXXX XXXX XXXX XXXX XXXX, MN XXXX. The first letter was received on XX/XX/XXXX. Since I received no response as a courtesy, I mailed a second letter on XX/XX/XXXX. Both of my letters gave them 15 days to respond. 

In my letter, I gave the specific language of what should take place if no response. " Please know this is my second time writing you with no response. Please provide me with copies of the legal notices and proof of the commercially reasonable manner of the resale of the vehicle listed. If no proof is provided within 15 days of receipt of this letter, the alleged claim of a deficiency will be considered null and voided and any collection efforts or continued reporting activities of this invalid claim on my credit reports will be considered a violation. Delet this inaccurate account immediately and send me an updated copy of my credit report top the address listed above. '' I am requesting that Jefferson Capital Systems stop reporting this inaccurate information to all three credit bureaus. 

Thanks for your corporation with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: IL

Complaint narrative:
To whom it may Concern, This is a reply to the alleged response Midland Mortgage claim they sent me. I never received a reply to my original complaint that was mailed to their office on two occasions and I have received confirmation letters stating they received both of my letters. 
My claim that my escrow analysis covered a period less than 12 months is true and I have attached a copy of the document. The reply from Midland to CFPB is contradictory. First, they say at the time of my analysis I was due for a XXXX payment and that all payment made since my previous analysis were utilized in my current analysis. That being said I have a credit for XXXX and XXXX Escrow payments and I dont. If you look at the Escrow Statement reviewed XXXX my Escrow History covers XX/XX/XXXX thru XX/XX/XXXX whereas my Statement reviewed XXXX my History covers XX/XX/XXXX thru XX/XX/XXXX which is not 12 months as I stated in my original complaint. My complaint stands that my payment was based on an inaccurate Escrow Analysis. I dont understand how my account being due for a XX/XX/XXXX payment at the time of an XX/XX/XXXX analysis would cause a larger escrow shortage. What that statement says to me is that at time me of my analysis Midland had received my XXXX, XXXX and XX/XX/XXXX payments and my XX/XX/XXXX analysis should have a Escrow credit for XXXX, XXXX and XXXX. I dont have a credit for XXXX or XXXX. Also, once my mortgage payments were brought current my past due escrow payment should have been reflected in my Escrow History and they are not including in my History. What happened to my Escrow payments for XX/XX/XXXX, XXXX thru XX/XX/XXXX? What you will see on my History is there was a double payment in XX/XX/XXXX to cover XXXX and XX/XX/XXXX. Nothing recorded for XX/XX/XXXX or XXXX thru XX/XX/XXXX. However, in XX/XX/XXXX I received credit for {$1000.00} which include two payments at {$330.00} and one payment at {$430.00}. I was only short one payment of {$330.00} and several at {$430.00}. 
It is my understanding that I am required to have a 12-month Escrow Analysis and Midland has not provide me with a proper Analysis. I believe my payment have been misapplied to my account, I just dont know how far back this misappropriation goes.

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 2021-04-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am writing because I opened a PayPal line of credit in XX/XX/XXXX account number XXXX. Since I had the account, it has been paid on time with no late or missed payments. Suddenly at the peak of the COVID-19 situation in late XX/XX/XXXX Synchrony Bank who is the parent company closed this PayPal account and two others under Synchrony Bank umbrella.

When they first closed all three lines of credit that I had with PayPal, Mattress Firm and Lowes totaling over {$67000.00} worth of credit limit. They said at the time that I was a high-risk account. This had me confused considering I was only using a total of about 13 % or so across the board of my available line of credit. None of the cards were maxed out or anywhere close to. Nonetheless, on XX/XX/XXXX PayPal solicited me via email to promote or offer me a line of credit to an account that they closed in XX/XX/XXXX as mentioned above.

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 2021-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase targeted me for a promotion where I would receive {$5.00} in BTC if I successfully completed two reoccurring deposits. I completed three reoccurring deposits. The {$5.00} was not deposited to my account. When I reached out to support they did not help me. I have followed up multiple times since then and still this simple thing has not been resolved. Very disappointed with this company. It's just {$5.00} and I completed it successfully. This is a multibillion dollar company that can't handle a {$5.00} reward. 

My account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have sent you multiple letters disputing these accounts. The first letter I sent on XX/XX/2020 asking for you to verify these accounts you responded with verified. I sent you a second letter on XX/XX/2020 I asked you to provide me with account level documentation from your investigation and on how you verified these accounts you responded again with verified which is an unacceptable response under the FCRA I have a right to any and all information used to verify any account added to my Consumer report please provide me with the documentation used to verify these accounts or delete these accounts immediately! 
XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I Had Disputes that were that I won and we're supposed to be deleted off of my credit reports. There were 2 Disputes that said Deleted and taken off my report, but I noticed that the highest one was still on my report so I messaged Experian and asked them to fix it and take it off. ( XXXX XXXX XXXX ) report # XXXX on XXXX XXXX. Well they opened another dispute and it came back on with another bill. Once again the larger of the two stayed and the other was taken off my report. I contacted Experian and asked what was going on and they told me they have no record of the original Accounts saying they're Deleted and taken off my reports. So now after talking with them there is 3 more collections from the same company and the original is still on my report. Also I had informed them of fraud that happened on XXXX that they took care of but didn't take into account about my original complaint. I would like these accounts that said they were deleted and taken off to be taken off my report. Along with all of the rest because if I can win 2 Disputes of this company they shouldn't have a leg to stand on and keep coming after me with different amounts just because they think they can. That's not right and I've proven they don't have original documents to prove other wise. I'm getting screwed by Experian & the XXXX XXXX XXXX at the same time back and forth.

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 2021-04-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My account was closed and paid in full. 

I submitted a dispute with the credit bureaus to update the balance along with the receipt and the bank refuses to update the information on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: NC

Complaint narrative:
My account was closed and paid in full. 

I submitted a dispute with the credit bureaus to update the balance along with the receipt and the bank refuses to update the information on my credit.

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 2021-04-17 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: PA

Complaint narrative:
I recently challenged the validity of XXXX XXXX XXXX # XXXX {$620.00} LXXXX XXXX # XXXX {$530.00} XXXX XXXX XXXX # XXXX {$710.00} XXXX XXXX  XXXX XXXX XXXX {$810.00} and XXXX XXXX XXXX XXXX # XXXX {$13000.00} accounts that's being reported on my most recent credit report. Upon challenging this, XXXX credit bureau deleted the accounts based on lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with XXXX credit bureau the agency verified the same accounts. We agree XXXX is in violation of FCRA and my consumer rights. Each Violation is {$1000.00} per violation We also agree with the cogent observation by the fifth Circuit that the plain language of the statute places the burden of re-investigation on the consumer reporting agency. See Stevenson, 987 F.2d at 293. The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I recently tried to open a bank account with XXXX XXXX XXXX XXXX in addition my wife attempted to add me to her account with XXXX XXXX. On both occasions I was denied due to Bank of America having incorrectly reported fraud to XXXX XXXX XXXX. I have repeatedly requested my report from XXXX and repeatedly called Bank of America requesting this incorrect information be removed. This reporting has been detrimental to my family. I am essentially unbanked. I can not make the regular transactions a hard working, tax paying citizen should be able to make. My wife & I are trying after 6 years of saving, to buy a home. This report is negatively impacting that process as well. Bank of America has shown no remorse for this situation and refuses to correct this issue. I respectfully request the CFPB to compel Bank of America to remove this inaccurate, devastating reporting from the file with XXXX XXXX XXXX. In addition, I respectfully request CFPB to compel XXXX to provide me with evidence of the fraud they so claim. 
XXXX has been the subject of NUMEROUS class action lawsuits for this very same disgraceful behavior. This can not stand. They are harming American citizens with no regard to the lasting impact to their families.

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 2021-04-17 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: PA

Complaint narrative:
I recently challenged the validity XXXX XXXX # XXXX {$3200.00} XXXX XXXX # XXXX {$500.00} XXXX  XXXX XXXX {$2700.00} XXXX # XXXX {$650.00} XXXX XXXX XXXX # XXXX {$300.00} XXXX XXXX # XXXX {$500.00} XXXX # XXXX {$1700.00} XXXX # XXXX {$7800.00} PHEAA # XXXX {$12000.00} XXXX  # XXXX {$4300.00} XXXX # XXXX {$5900.00} and XXXX # XXXX {$8600.00} accounts that's being reported on my most recent credit report. Upon challenging this, XXXX credit bureau deleted the accounts based on lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with Experian credit bureau the agency verified the same accounts. We agree Experian is in violation of FCRA and my consumer rights. Each Violation is {$1000.00} per violation We also agree with the cogent observation by the fifth Circuit that the plain language of the statute places the burden of re-investigation on the consumer reporting agency. See Stevenson, 987 F.2d at 293. The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.

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 2021-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: GA

Complaint narrative:
Dear CFPB, I would like to file this complaint against MoneyLion INC who acted very dishonestly with my credit report today where they flagged my XXXX XXXX account 30 days past due where 56 points dropped from my credit report and I want it to be clear to them and rectify my credit report right away.l or I am gon na file a lawsuit against them to respect people. They have a very bad product which called XXXX which is a fake product that they use to raise money and destroy people 's credit reports.They allow you to pay XXXX $ With like an installment XXXX $ pay payment, I started this with them where I paid them XXXX $ which is not something I owed them but giving it to them to help build back my credit.Anytime I wan na pay that XXXX $ their billing system doesnt allow me to make my payment and I have real debit card and real bank account information .I contacted them to let them know about the issue but they never replied me, never reply me at all.Today I contacted them again in order to fix the payment issue instead of doing that they flagged my credit report 30 days past due so that means they heard me but they never contacted me to resolve this issue but the fact that they are so greedy for money and have no interest to people, they prefer to report my account 30 days past due and flagged my credit report and dropped 59 and 70 points total.The purpose of this complaint is for them to fix this issue right away which is the billing error and the 30 days past due in my credit report.They heard me but they showed me i am not that important to deserve a reply.They have zero customer services, They never reply text, message and any calls.Their mission is to garnish people credit report and finances.I give them 30 days to get this fix.Thank you!

Company response to consumer: Closed with explanation