vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank customer service representatives continue to lie and delay action. I messaged via online chat and was told 'Thanks for confirming i have successfully processed the refund and you can expect to see the fund in 3-5 business days. ' After over a week had passed I reached out again 'It will be there with in 2 business days ', 'As per the recent update it may stil take 4 more days. ' and most recently spoken with a customer service supervisor who said she would follow up, but clearly something is broken with Citi 's processes.

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 2020-03-03 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:
XXXX HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.

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 2020-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT 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 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i have two companies that trying to get the same money ... XXXX XXXX XXXX  the original credit reports charge off balance XXXX ... and still report account incorrectly ... .they sold account to XXXX XXXX XXXX XXXX XXXX .they are asking XXXX ... ..will upload proof two letters from both companies asking ... XXXX XXXX XXXX  should not be reporting anything it should show sold/transferred they are in violation.

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 2020-03-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: MD

Complaint narrative:
I have an account with lending club and I had always made a payment on a timely manner. Unfortunately, around XX/XX/2019, I tried for them to lower my monthly payment to $ XXXX monthly instead of {$640.00}, however they refused. So I had a past due balance and when I finally started making payment again in the full amount of {$640.00}, they still not reporting it to the credit bureaus as they have promised me that, if I start making payment, it will help me. Due to their failure of accuracy report, I am currently having a bad credit report which leads to three of my major credit cards decreasing my limits from {$8000.00} to {$500.00}. I am catching hard times and they are refusing to lower my monthly payments. At this point, I dont know what to do, I am living on the edge, because I am a single mother of XXXX young children and my credit cards have been helping me a lots, due to failed business venture and lack of regular child support. Please help me because each time I called, someone different is telling me something different.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX is reporting as an collection account on my credit reports. I never received any bills or collection notices. I have never opened up any XXXX account in XX/XX/2019. I have requested for validation of this debt and still havent received anything as of today. This account was opened fraudulently. I have disputed this account and havent gotten no where. I dont have no acknowledgement of this collection and its ruining 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 2020-03-03 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: HI

Complaint narrative:
Mail them this letter : Experian XXXX. XXXX XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please send an updated credit report reflecting any changes that were made.

I demand the following accounts be verified or removed immediately.

Please send me an updated copy of my credit report reflecting any changes made.

Account name and number Provide Physical Verification XXXX XXXX XXXX Unverified Account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX I went to Chase bank at XXXX XXXX XXXX, to withdraw XXXX dollars. 
I was asked for my social security number which I refused to give. 
XXXX the teller was given a valid Ca.identifcation by me.He then called XXXX who also agreed that my social security number was needed. I called another branch ( XXXX XXXX ) and was given the managers name, so that I could report this negative experience, which was giving my full S.S number so that I could withdraw XXXX dollars. 
I was then in touch with XXXX XXXX on XXXX Who called me at home hours after having XXXX that same day. 
On XXXX I spoke to XXXX XXXX & explained my situation, I told him which bank I was going to this day, which was the XXXX XXXX. XXXX. 
I got to the bank around lunch time, thought I had done my business when the teller informed that my account was being closed so they wanted to do a reversal of my transaction. 
I was directed to banker XXXX I then called XXXX XXXX who wanted to talk to XXXX in a bit. 
I then asked to wait for XXXX the manager whom I have known for many years. 
XXXX then closed out my account, being totally freaked out. 
I have direct deposit & needed a check so I could pay my rent. 
I am a XXXX year old woman that did not need to have almost 5 thousand dollars on her person when leaving this bank. 
When I got home I called XXXX XXXX about what was going on he informed me that I was in an altercation at the XXXX XXXX XXXX branch. 
That is not true & why didnt XXXX XXXX inform me of this before I went to this branch, now I know why he wanted to whether I was going to XXXX XXXX branch or the XXXX XXXX XXXX. 
I am shocked at this behavior as XXXX XXXX knew about my XXXX a week ago. 
XXXX XXXX could have shown dignity as well as empathy. 
I have no qualms transferring to a new bank but not to have been sent a letter or told that my account was being closed to avoid checks being returned & my social security checks which are direct deposited This was a terrible experience & I hope no other senior faces this total lack of service &  demeaning experience I am a XXXX Year old XXXX woman & I believe the police would have been called if I was in a active altercation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I called Capitol One Credit Card Company and requested a statement as I did not know why they were still pulling monthly funds from my bank account and I havent received any statements in months. They said I could go online to check. As soon as I tried, the page said it had to send a verification code to an old cell phone. I told customer service I no longer have that cell phone. He asked me for my full name, other details and asked for my full social security number which I thought was unusual. Usually its only the last 4 digits. I complied. He then said I can not have a copy of my statement or interest or payments until I also send a picture of my drivers license to them online. I told him I did not feel comfortable snapping a photo of my drivers license as well as all the other information I gave him. He said he can no longer help me unless I give him a copy of this. I told him I wanted to speak to a supervisor. He said he didnt have one but would transfer me to the fraud department. I spoke to XXXX, who also demanded my drivers license copy even though he kept saying I didnt have to provide it but they wont give me my statement without it. I asked him for a number to report this and he didnt know it then last minute gave me an inaccurate number. The entire process seemed unusual. They refuse to tell me anything about my statement and keep taking money from my account every month. I want to know what my statement looks like and how much interest they are charging me. I thought that would be against the law refusing to mail my statement or email it, apparently they do this to consumers all the time. Unethical practices. I thought Truth in Lending states that they have to provide detailed information pertaining to your account such as your interest rates. If they keep refusing to send me statements or be able to view them online, they can  just make changes whenever they want and keep taking money from my account that I cant even make changes to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I have an account with XXXX XXXX and I had always made a payment on a timely manner. Unfortunately, around XX/XX/2019, I tried for them to lower my monthly payment to $ 150-200 monthly instead of {$550.00}, however they refused. So I had a past due balance and when I finally started making payment again in the amount of {$260.00}, they still not reporting it to the credit bureaus as they have promised me that, if I start making payment, it will help me. Due to their failure of accuracy report, I am currently having a bad credit report which leads to three of my major credit cards decreasing my limits from {$8000.00} to {$500.00}. I am catching hard times and they are refusing to lower my monthly payments. At this point, I dont know what to do, I am living on the edge, because I am a single mother of XXXX  young children and my credit cards have been helping me a lots, due to failed business venture and lack of regular child support. Please help me because each time I called, someone different is telling me something different. They never told me my account has been changed off but still collect my payment and they charged it off for the same amount of the loan which was given to me, although I have be making payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: TN

Complaint narrative:
I sent Transunion a letter to dispute inaccurate unverifiable personal information as well as unverifiable accounts on my Transunion Credit Report XXXX XX/XX/XXXX XXXX. I have sent several letters prior as well to them, but no changes are being made, which has severely hurt my chances of being accepted/approved for credit. I have suffered so much pain and mental anguish behind this issue, and I plan to seek litigation very soon against Transunion for reporting these erroneous statements on my credit file. There were several inaccurate Student Loans and Civil judgements that Transunion removed from my report on XX/XX/XXXX, because they could not verify the accounts. However, they keep putting these unverified accounts back on my report. In the letter I sent out today, I asked Transunion for the 3rd and final time to provide the method of verification that they used.

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 2020-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied online for an XXXX XXXX serviced by Synchrony Bank. In my application I was asked for, and stated that, I do not communicate by telephone, therefore Synchrony Bank would contact me IN WRITING to complete the application process. THEY DID NOT. Instead, they sent a standard denial letter stating " Invalid phone number of applicant '' and " Applicant associated with multiple phone changes '', both of which are untrue and total 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 2020-03-03 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MN. XXXX XXXX : XXXX Date of birth : XX/XX/XXXX Date : XX/XX/XXXX Dear Equifax Sir/Madam. 

I would like to investigate the accounts listed below as it is not reporting on my credit report : Creditor Name & the account : XXXX I would like to see my payment history this account. Can you please send it to me. I paid off i have a zero balance. please look all 3 credit bureaus with different reporting this needs to be remove from my file and the credit bureaus it not reporting not accurately I wait your response, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank checked my credit report on several different occassions. 
XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These unauthorized caused hard inquires on my report. Please investigate.

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 2020-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/XXXX, I activated an offer for my Marcus Savings Account to receive a {$100.00} bonus after depositing {$10000.00}. I made the deposit and was cleared for the funds. A CD then matured a few days later and the funds were moved to into my savings account. I transferred some funds to an external account and took {$15.00} too much so I only had {$9900.00} left from my initial deposit. Realizing that the offer would be inactivated I called immediately on XXXX and they tried to put a stop to the transfer, but said it was too late even though it was mere minutes later. I then continued to transfer more money out of the account since I saw the offer was no longer active. 

After talking to customer service again I realized that the offer was running until XX/XX/XXXX so I could still qualify. I reactivated the offer on XX/XX/XXXX and attached is the email confirmation. I checked my account and it showed my offer was active so on XX/XX/XXXX I deposited the {$10000.00} to clear the threshold again. I checked my account on the XXXX and realized the offer was gone. I then called customer service and was assured that as long as I had the confirmation email I was fine and they saw the {$10000.00} threshold was met. They told me someone on the promotions team would reach out in 1-2 days.

I then did not hear back from anyone for the next 10 days and placed 7 calls to customer service on Friday XX/XX/XXXX. I finally got someone on the promotions to give me a call back, but it was an inopportune time and all I learned was that they voided my offer because of previous transfers. There is no mention of previous transfers in the conditions of the offer and I raised my balance by over {$10000.00} with new funds post activation. Since activating the offer I have not issued any withdrawals as well. Upon calling back customer service two more times I had a 35 minute conversation with a considerate associate named XXXX who told me that they are unlikely to honor the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
In XXXX my spouse was forced to resign from a job he has had for over XXXX yrs and we proactively reached out to XXXX for a solution to assist in catching up on the missed payment that we missed for XXXX or XXXX of that year. Over the years my husband and I have acquired at least 4 mortgages between the both of us and we had never missed a payment until this point. Prior to M & T obtaining the loan around XXXX or XXXX, we were in the process of a repayment plan with XXXX to catch up on a missed payment of the mortgage on our house. During this process we were verbally told by XXXX that our loan would remain in good standing as long as the catch-up payments that were kept current which they were. We missed 1 payment during the entire year of XXXX but it shows on our credit report as it was consistently late for more than 5 months. We contacted M & T and they assured us that everything was fine and we were in good standing. In late XXXX of XXXX, our home in XXXX XXXX suffered a tremendous loss due to extreme water damage from the pipes bursting and completely flooding all 3 levels of our home. Our home had over {$200000.00} dollars of repairs done that took several months longer than projected due to M & T withholding the funds and paying the contracting company in a timely manner which was agreed upon between the 2 companies. Needless to say the process was very stressful. We still continued to keep the mortgage payments in good standing. Since all of this has transpired, the mortgage loan was paid off early and in full in XXXX of XXXX due to the sale of the home this loan was associated with. With this repayment plan our initial payment was {$4400.00} and the following payments were in the amount of {$3300.00} for 6 months or more in order to get this the missed payment caught up and we were told that our credit report was going to show we were in good standing, but to our dismay we discovered just recently that this was not the case.

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