vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I received a personalized email invitation to sign up for a checking account with Citibank and earn a {$200.00} bonus with qualifying activity ( depositing at least {$3000.00} in a certain timeframe ). I completed all the requirements to earn the bonus, which was supposed to be awarded within 90 days of completion. I opened the account in XXXX 2021 and it is XXXX 2021 and citi has not awarded me the bonus. After chatting with them online and spending an hour speaking with a representative who kept giving me contradictory and senseless information, they have failed to properly credit my account. This is a fraudulent, unfair, deceptive act designed to defraud customers. 

the email i received said : " when you open a Citi Checking Account and deposit {$3000.00} NewtoCitibank Funds within 30 days of account opening and maintain it for 60 days '' I would receive the {$200.00} Invitation code : 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 2021-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I previously filed a claim against this company ; claim number XXXX. The creditor responded, but not correctly. The creditor said I didn't sent them a request for debt validation. I've uploaded/attached my debt validation request letter dated XX/XX/, 2021. To date, I haven't received a response to my request.

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 2021-12-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I have 100.00 frozen and PayPal refuses to unblock my PayPal account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On the Dates below a creditor Synchrony Financial continues to inquire unauthorized 'Hard Inquiries ' on my credit report. All inquiries made by this company listed below are unauthorized 'Hard Inquiries ' : 'Hard ' Unauthorized Inquiries : SYNCHRONY FINANCIAL ( Finance ) XXXX XXXX, 2021 SYNCHRONY FINANCIAL ( Finance ) XXXX XXXX, 2021 SYNCHRONY FINANCIAL ( Finance XXXX XXXX XXXX, 2021 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 non-monetary relief
Consumer complaint received 2021-12-14 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: CT

Complaint narrative:
I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item XXXX not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: LA

Complaint narrative:
My property located at XXXX XXXX XXXX in XXXX, LA was catastrophically damaged by Hurricane Ida. My insurance company has assessed the damaged at {$96000.00}. The funds dispersed total {$88000.00} ( total damage less {$7700.00} in recoverable depreciation ). The loan balance is {$51000.00}. 

I was issued an insurance claim packet, which I successful filled out to completion. I have since been asked to provide additional estimates from my contractor, which is in excess of the requirements spelled out in the insurance packet. 

It is now 76 days since Hurricane Ida made landfall, and I have yet to receive any money for repairs on the property. 

Roundpoint continues to put up road blocks, find excuses, and delay issuing funds required to repair my property. 

Furthermore, Roundpoint is retaining funds that exceed the balance of the mortgage by {$39000.00}. 

I was told on XX/XX/21 that funds in the amount of $ XXXX have been dispersed, however, I have yet to receive them.

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 2021-12-14 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: IA

Complaint narrative:
There is a charged off account on my credit report from XXXX XXXX I began disputing it back in XX/XX/2021. The information for this account changes every month ( balance, date of first delinquency, etc. ), the information as to when it actually charged off between the XXXX bureaus is completely different which per the Fair Credit Reporting Act ( FCRA ) signifies inaccurate reporting. This account is sinking my credit score and I have attempted to work with both the XXXX credit bureaus and the original creditor to no avail. The company refuses to even send me a settlement letter or billing history verifying this debt, which I'm pretty sure is also a violation of my rights under the FCRA. The credit bureaus also are supposed to provide information regarding how they went about verifying the accuracy of a debt when which was not done when I requested an investiagtion. What is the point of having the FCRA if the credit bureaus and companies can simply do what they want and get away with it?

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 2021-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
I started the application XX/XX/2021. The first time by myself, they said due to DTI, added fiance, all good. Straight refi, no cash out, reducing interest and removing my dad and adding fiance. They said I need to remove my dad and add my fianc to title to make closing easier, done within 2 weeks, they said we should close by end of XXXX, then moved it to first week, kept pushed back and back. I kept callinf asking for a real status, asking for a supervisor. Never got a call from a supervisor or a real reason for the push. Every week or other week I would be told all is good and they are just waiting on stuff on their end. They ended up waiting for my rate to expire, they sent me a new XXXX. I asked why are they charging me when the delay was not my fault and they told me they would honor my original XXXX, they then asked me to write a statement that they can repull my credit... again I asked for why the delay and requested reassured I would be honored my original.terms discussed, they sent me the original XXXX, again no one reached out to me we are at the end of XXXX begging of XXXX, by mid XXXX they send me the last XXXX, and they request all information again and they now said I need an appraisal, even though I did not 5 months ago. I sent an email again requesting to be assured that I am not charged nothing other than on our original terms since the delay was not our fault, and that includes the appraisal fees. 
By the end if the day they call me to tell me the loan is denied because my fiance 's credit is noe XXXX. 
I feel they were holding on the loan waiting for the interest to go up or to be able to charge me credit points. I see no other reason they sat on the loan for 5 months and no supervisor or Loan officer could call me. I am glad they claim to record all calls so you can listen, I have all the emails we complied as requested. I think this is a pattern to up their fees. 
Bank : Freedom.mortgage, XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX Loan Originator XXXX XXXX XXXX XXXX XXXX : # XXXX I will forward emails when you request

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 2021-12-14 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: TX

Complaint narrative:
On this XXXX XXXX account I was advised because of the Pandemic when I contacted them in XX/XX/XXXX, they would remove the late payment in XXXX. Instead of removing it they left it and added fraudently late payment history for XXXX in which I never used the card this year at all because I was going through a XXXX process. The account is showing now XXXX  times past due which is incorrect and as a result of this incorrect information I was denied a XXXX loan applied for this year. This information was added after my closing because there would have been no way to close on my XXXX which this deliquent information on my 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 non-monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Used my XXXX credit card. Was billed for the amount I charged. 

Payed the bill in full at the address I had in my bill pay, given to me on my original credit card statement. 

Check was cashed. 

Never received credit for my payment. Have contacted Commenity bank. Have sent documentation several times. Called them. Contacted their old account holder for help. 

No help. Keep receiving new statements with interest charges and fines. Bank will not help. 

Found out XXXX  changed banks from XXXX  XXXX XXXX to Commenity and never notified me of the new address for payment. 

They cashed my check to XXXX at their other account but will not give me credit or work with me. Trashed my credit score from 800s to 600. 

I need help. Would like to take legal action for relief and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.

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 2021-12-14 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.

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 2021-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
i applied for the citi business credit card saturday the XXXX of XXXX when i spoke to a rep  today XX/XX/2021 i informed i was denied. for me that is a shock because i had a XXXX XXXX  & a XXXX XXXX score for business credit. when spoken to a rep after a 2 hour hold and transfer process i was told i opened to many new accounts on my XXXX that is felonious i literally have one inquiry before this one from XXXX. i will add my current credit report below. just because you are a commercial bank does not give you rights to lower my credit score with a hard inquiry & deny a more then copiable applicant.

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 2021-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
My car was vandalized & my purse was stolen on XX/XX/XXXX, I immediately contacted XXXX XXXX ( Netspend  ) & informed them that my card had been used at XXXX while I was at the park walking my dogs. They canceled my card. 
I have been on the phone with them for a combined total of over 4 hours trying to get the stolen funds returned to no avail. 
these are the amounts : Debit : Overdraft Fee assessed due to {$210.00} transaction on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX - {$20.00} XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX {$4.00} XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXXXXXX - {$210.00} XX/XX/XXXX I believe it says the XXXX because those were the dates the charges posted not when the charges were made.

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 2021-12-14 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: FL

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
I am preapproved through prosper and for whatever reason they discontinued my account and they told me I could never apply for a loan with no explanation why.

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 2021-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Summit AmeriFirst Holdings, Inc.
State: MD

Complaint narrative:
I had a home improvement loan with Amerifirst. This loan was established in XXXX with XXXX and XXXX XXXX XXXX. The loan apparently was transfered to Amerifirst sometime after XXXX. I'm not exactly sure why or how but this is the company that I have made home improvement payments to. The original loan was between my husband ( now deceased ) and myself. I have made the payments the entire term of the loan agreement.. I am at the end of the debt and have made what I believe was the last principal payment which included interest. The XX/XX/XXXX statement reflected that the principal balance owed was {$160.00}. However the bill was for XXXX, which was my monthly payment. My principal balance owed was less than my monthly payment, but my monthly statement didn't reflect that. Once I made the payment in full, the statement reflected that I had a balance of {$2.00}. I attempted to make that payment and the Amerifirst online system would not accept anything less than {$25.00}. There are multiple issues going with my complaint. 1 ) My first problem is that I am disputing what Amerifirst claims that I owe over {$500.00} in service fees. 2 ) Secondly, Amerifirst hired another company to manage their online billing. The company did not provide statements or account balances until perhaps enough customers complained for months. 3 ) I was assessed a late fee of {$17.00} on XX/XX/XXXX after paying the principal balance in full on XX/XX/XXXX. 4 ) I received a call from a representative from Amerifirst and was told that the call was being recorded that if I did not pay the service/late fees this loan would be charged off as a bad debt. After paying off the debt in full. I have communicated in writing and over the phone with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I refer to your last statement, dated XX/XX/2021, in which you declined my complaint and duplicated Coinbase 's position. On XX/XX/2021 from XXXX to XXXX XXXX I was the victim of a hacker attack whose software somehow infiltrated my device ( laptop ) while using Coinbase services and when I logged into my Coinbase account, my cryptocurrency funds first tried to transfer in full amount ( equivalent to about XXXX USD ) in the form of BTC, Dogecoin and Cardano cryptocurrencies. After Coinbase withdrew this transfer ( apparently because of the transfer limit ), the funds started transferring XXXX USD each for half an hour until I had no funds left in my account. In addition, hackers transferred about XXXX USD of credit funds that Coinbase provides to customers, and Coinbase demanded I return them, after that Coinbase simply blocked my account. I find this situation egregious especially in terms of Coinbase 's response to my claims. Back on XX/XX/XXXX, Coinbase itself admitted that someone logged into my account from a third-party IP address on XX/XX/XXXX, thus essentially admitting its guilt. However, Coinbase obviously refuses to take responsibility for it. I demand the recovery of funds stolen from me. The two-factor verification was not requested during the transfers to verify them because the funds were transferred from my device or for some other reason. I did not provide a password or access to the hackers. I still have evidence on my device.

Company response to consumer: Closed with explanation