vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear CFPB : In a conversation with several staffers from Citibank, I was informed by credit card payments were placed on hold because there were of large values. Keep in mind I made a payment of {$5.00} on XX/XX/XXXX and {$600.00} on XX/XX/XXXX. I contacted my bank after the monies were withdrawn by Citibank. Its XX/XX/XXXX and the balance is incorrect and Citibank refuses to update the correct balance. In addition, Citibank informed the credit bureaus that my available balance was still below {$300.00} which is well above {$1000.00}. Citibank has failed to provide me in writing the reason ( s ) for said hold and I've reached out to them on three separate occasions to no avail. I have submitted a separate CFPB complaint about a similiar situation in early XXXX, when Citibank representative XXXX informed me this once occurs once a year to all their clients well apparently this is the fourth time a payment was delayed to be reflected on my account for more than 2 weeks. 

I'm seeking an immediate release of all funds and an increase of credit or {$600.00} worth of credit applied to my account for the inability to use my card and the incorrect reporting of my balances to the credit bureaus. 

I'm also requesting CFPB investigate Citibank unethical and scandalous withdrawal 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 2020-05-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have opened Citibank Account Package ( including interest checking and savings accounts ) and enrolled to Citibank {$400.00} Checking Offer. 
Owner of the eligible accounts must make the Minimum Deposit in New-to-Citibank Funds, within 30 calendar days of checking account opening according to the Offer Terms and Conditions. 
I received only a banks confirmation letter dated XX/XX/2020 to prove my checking account opening. I didnt receive any other information of account opening, which is confirmed or contained a particular date. 
Based on this date i made a minimum deposit of {$15000.00} ( wire transfer ) on XX/XX/2020 which was the latest appropriate date within the 30-day period. 
However my first bank statement indicated statement period from XX/XX/XXXX to XX/XX/2020 that means my accounts was opened on XX/XX/2020 and Im not eligible to the Offer because my minimum deposit was late. 
Thats absolutely doesnt match all the information bank provided for me. 
Citibank doesnt provide me with important information about my accounts on time, all procedures during accounts opening was confusing and not clear to understand my rights and obligations. 
I tried to talk about the issue and wanted to confirm my eligibility for the Offer with Customer Service by email. Citibank representatives refused to explain my eligibility and didnt resolve the problem. 
Citibank answer : We understand your promotion eligibility inquiry. You will need to wait the promotion fulfilment time frame, which is up to 120 calendar days from the date to all the terms and conditions were met in their entirety.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I was on the phone with an Ace Loan Person as they were walking me through the signing process on XX/XX/2020. The contract says XX/XX/2020 which is wrong. I am going through my Documents sent back to me on XX/XX/2020 and they arent matching what I was told or signed off on originally. It doesnt say the APR exactly on the Credit Disclosure Statement it just Annual Percentage Rate Example : 568.39 % the CSO fee XXXX and the interest of {$18.00} for example. I went to compare my documents and it has for example : 469.10 % cso fee {$1300.00} interest of {$20.00} you get to the MP on the documents and it says XXXX is the actual percentage rate and the their numbers for example arent adding up and are very misleading if they are just for example. In the first forms they arent giving you the real on their loans. Its for example and you are being mislead by what you really will be paying. I even asked the guy who I talked to on the phone my monthly payments and asked questions and he was misleading. He never mentioned the APR exactly. He never explained the ridiculous fees. They need to be upfront exactly about what youll be paying and better people over their phone line with explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: CA

Complaint narrative:
I have been trying to get a home loan, but my lender told me that they received a fraud alert notification on just my Equifax, the other bureaus released my credit with no issues. I contacted Equifax for the first time in XXXX. On XX/XX/2020 I called Equifax about the issue and they said that I do not have an account with them, or they do not have my correct information. So I sent my driver 's license, social security card, and current address with a cover letter explaining that I wanted to verify my identity and remove the fraud alert from my account. I received a letter XXXX XXXX from Equifax stating that I still do not have a file with them and it could be because I have not had a credit line.This is false because I have a car loan from XXXX XXXX XXXX XXXX XXXX and I have student loans. I called them again on XXXX XXXX to see what else I can do, and they said to call my bank and make sure they are reporting to Equifax. I called my bank on XXXX XXXX and a representative told me that they do report to all three credit bureaus including Equifax, they also sent me a letter confirming my car loan and on time payment history. Equifax says there is nothing they can do because I have no credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital one well not respond to my mail, calls or disputes I sent a 609 credit letter and capital one still has failed to respond or give me anything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: NV

Complaint narrative:
XXXX  XXXX well not respond to my mail, calls or disputes I sent a 609 credit letter and XXXX XXXX still has failed to respond or give me anything

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 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern, on XXXX I  called up 2 credit card companies which I am an authorized user on my cousins cards. For some reason they are not showing up on my credit report. I called up both companies and on there end, they stated I was reported and they had no problems. The 2 cards are melaleuca by XXXX XXXX ending in XXXX and the other is XXXX XXXX ending in XXXX. I was told that I have to notify each credit service and they will fix this misunderstanding and update me on credit report. As I have been paying with no problems since added by my cousin.

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 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
In complaint XXXX dated XX/XX/2017 this company responded to a complaint I filed with your bureau and advised that they would be removing the account from my credit as promised in the next credit cycle. To date that has still not happened. I have both contacted the company directly, and disputed online at least 5 times and each time the company replies that it is reporting correctly. This is still negatively affecting my credit, and stopping me from obtaining new credit/credit increases. It has negatively affected my interest rates. I don't know what other recourse I have. This is my third time reaching out to this bureau for this account to be removed as the company told me they would do, and then you as well.

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 2020-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANNER CORPORATION
State: WA

Complaint narrative:
On the morning of XX/XX/XXXX, I had a balance of {$.00}. I have a budget and a certificate in bookkeeping and know how much money is in my checking account at all times. I deposited my stimulus check at approximately XXXX XXXX and had a balance IN THE BLACK of XXXX. Well, now, my prestigious bank is saying that I had been overdrawn following the last statement on XX/XX/XXXX. This bank is constantly fudging the dates of my purchases and sometimes money just disappears. I may have XXXX  issues, but I'm not stupid. They are exploiting the poor, XXXX, and most vulnerable in society. It's Banner Bank based in XXXX XXXX, Washington. 

My Social Security Number is 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 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, on XXXX I called up 2 credit card companies which I am an authorized user on my cousins cards. For some reason they are not showing up on my credit report. I called up both companies and on there end, they stated I was reported and they had no problems. The 2 cards are melaleuca by XXXX XXXX ending in XXXX and the other is XXXX XXXX  ending in XXXX. I was told that I have to notify each credit service and they will fix this misunderstanding and update me on credit report. As I have been paying with no problems since added by my cousin.

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 2020-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I believe the ppl that stole my funds from wasihington can u plz help report this to a officer not from any of the states that have XXXX workin at the law office because they are part of fraud thank u

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I had an auto loan with XXXX XXXX  and it is now Paid in Full as of XX/XX/2020. I received a letter from XXXX XXXX  confirming and verifying that my auto loan is now paid in full however, it is not reflecting on my credit report as paid in full.

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 2020-05-01 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: IL

Complaint narrative:
I had an auto loan with XXXX XXXX  and it is now Paid in Full as of XX/XX/2020. I received a letter from XXXX XXXX  confirming and verifying that my auto loan is now paid in full however, it is not reflecting on my credit report as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: IL

Complaint narrative:
I had an auto loan with XXXX XXXX  and it is now Paid in Full as of XX/XX/2020. I received a letter from XXXX XXXX  confirming and verifying that my auto loan is now paid in full however, it is not reflecting on my credit report as paid in full.

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 2020-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC
State: FL

Complaint narrative:
A letter was sent to an address that is NOT mine, I am only just hearing that I owe this debt and consider it completely invalid since they couldnt even bother to find my address. This debt is not possible for me to have considering that the account they were talking about is CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One credit card paid as agree since XX/XX/XXXX it is on XXXX as charge off this account was deleted from other credit bureaus companies XXXX and XXXX. It has been almost 2, years fighting to get this now with this pandemic I have to suppor my family I am a small business owner i have an exceptional payment history on my credit and due to this issue I haven't got a small business loan by my XXXX XXXX because this charge off shows on my credit report by XXXX this is the credit bureau this bank use. Please this capital one credit card was open XX/XX/XXXX it has been 9 years already I am struggling with this issue. I paid this credit card and close the account. I demand this account to be deleted from XXXX credit reporting agency I demand capital one to authorized this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX made a purchase for a XXXX scooter it seemed like a good deal at XXXX actually exactally XXXX. 
I got nervous because it seemed too cheap especially with free shipping for a scooter which weighs 26 lbs. so I XXXX the website. Where I found that a lot of people were scammed from this site. It was about XXXX. But I immedently went through the process of trying to dispute the charge. I started with PayPal because they facilitated the payment although I didnt log into PayPal I checked out as a guest. Then I started a dispute with the XXXX XXXX  people that is the digital and physical card that I have that I used to buy this scooter. I realized I had to wait til the next day. Anyway Im in contact with both them trying to get something done and receiving no response from the merchant at all. I looked up the number on the website. It was an international number but still it was disconnected. And emails to the merchant with nothing just a receipt it was obvious I was scammed and was never to recieve a scooter. Never got a tracking number. Until about two weeks later I received an email from the website I purchased the scooter giving me a track number which said my package was delivered less than 24 hours after I purchased it. And XXXX said it weighed 11lbs. This is shocking and untrue. I filed a complaint with ups. And even though I gave them being the XXXX XXXX  customer service XXXX and several representatives from PayPal irrefutable evidence of my case. I have links and screenshots and testimony from other people online ripped off by this website and i will give it you. And also representatives for PayPal telling be how they see these scams a lot and gave me an explanation of how this site was able to pull it off. But PayPal didnt really want to work with me because i checked out as a guest and must not have looked at the evidence I submitted which showed by ups that there was no package. I have all of this documented my claim denied. I dont have a lot of money or time Iam ill but willing to fight for myself in this. I dont know if 100 is even enough to report through this channel but I need to try something I researched it and that led me here. The website is XXXX then ripped me off and the institutions i went for help in this denied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: FL

Complaint narrative:
XXXX  XXXX credit card paid as agree since XX/XX/XXXX it is on experian as charge off this account was deleted from other credit bureaus companies XXXX and XXXX. It has been almost 2, years fighting to get this now with this pandemic I have to suppor my family I am a XXXX  XXXX XXXX i have an exceptional payment history on my credit and due to this issue I haven't got a small business loan by my XXXX XXXX because this charge off shows on my credit report by Experian this is the credit bureau this bank use. Please this XXXX  XXXX credit card was openXX/XX/XXXX it has been 9 years already I am struggling with this issue. I paid this credit card and close the account. I demand this account to be deleted from experian credit reporting agency I demand XXXX XXXX to authorized this.

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 2020-05-01 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: AES/PHEAA
State: MI

Complaint narrative:
Interest isnt suppose to be added during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2020-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I reached out to I.C systems when this debt for XXXX dollars appeared on my credit report. I asked them to provide me when a signed original contract from XXXX and they have not responded. I disputed this through XXXX and nothing was done. I have not received the validity of this debt that I requested from the I.C systems Inc I requested.

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 2020-05-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
What has happened to me is that Im a victim of identity theft for the third time on my life. My automobile was stolen a couple years ago and it had some valuable information in it my drivers license, social security card, all in my wallet! Someone has used my credit to get a Capital One with a {$5000.00} limit I have submitted a Police Report, A letter from Consumer Affairs, A identity theft report!!! And XXXX they take it off one day and a month later they put it right back on I mean I dont understand they have all the paperwork and still nothing has happened! XXXX and XXXX has removed this account!!

Company response to consumer: Closed with non-monetary relief