vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I am filling this complain because HSBC disqualified me from earning a checking account bonus due to the fact that I have an existing credit card account with the bank. However, the terms and conditions included regarding opening the checking account and earning a {$200.00} bonus specifically mention that customers can not have a consumer deposit or investment account prior to opening the checking account for a specified period of time. It's disappointing that the person who handled my response " XXXX '' who has a senior position can't tell the difference between a deposit account and a lending account. The first one is an account where customers deposit money and the second one a product where customer have a specified line of credit. 

I don't accept HSBC 's disqualifying me from an offer that I am clearly eligible for since I never had a deposit ( checking, savings ) account or an investment account with the bank before applying for my existing checking account and a credit card account is definitely not a deposit account. 

The terms and conditions didn't disqualify people based on previously having " Any type of account ''. They specifically mentioned Deposit or Investment account which I never had before.

I urge HSBC to honor the terms and conditions stated in the original offer and credit my checking account with {$200.00} bonus.

If HSBC senior employees can't tell the difference between deposit products and lending products then the best course of action would be to move my funds to a different bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: GA

Complaint narrative:
On XX/XX/2018 I made my final payment on a charge off account. On XX/XX/2018 a failed to pay was still reported to XXXX credit report. I filed 2 disputes and capitalone still refused to remove the failed to pay for XXXX. I received monthly failed to pays for over a year before XX/XX/XXXX even though I made monthly payments. This affects your credit adversely every month u lose points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Innovis
State: WA

Complaint narrative:
Tried to place a freeze with XXXX and Innovis and they are mailing me my PIN in 3 days. XXXX, XXXX, XXXX give it to you immediately online. My area has rampant mail theft and common mail mix-ups. On the likely chance I do not receive this mail, I will not be able to unfreeze my credit with them, and a random stranger could do it instead. It is very insecure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc
State: NC

Complaint narrative:
Hi I am filing a complaint for Hunter 's Warfield inc. This company has depressed me to death as i do suffer through XXXX XXXX, Hunters warfield keep harassing me, calling my family, friends, and job threatening me wrongfully to pay them {$1800.00} that that cant show proof of original document of I even sent out a validation letter and never gotten a response from them after they harrassed me for 3 months straight. They even keep playing with my credit report first they say I owe {$550.00} and then they say I owe {$1800.00} and then they update by decreasing {$1.00} now {$1800.00} but they don't want to respond to my letter i sent them to show original proof under section 609. These guys are causing me emotional distress and playing with my report, job, and messing with all my friends and family by harassing me saying there going to show up at my home and have me arrested for an owed debt they cant prove originally. This isn't fair or right this is a violation under FCRA and must be remove from all my bureas. 

Thank you Cfpb for helping were glad that you are here to help in situations like this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
Tried to place a freeze with Chex and XXXX and they are mailing me my PIN in 3 days. XXXX, XXXX, XXXX give it to you immediately online. My area has rampant mail theft and common mail mix-ups. On the likely chance I do not receive this mail, I will not be able to unfreeze my credit with them, and a random stranger could do it instead. It is very insecure.

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 2018-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Unfortunately, I have moved three times in the last 10 months, after my husband filed for divorce. I hate airing my dirty laundry, and being the one with the sob story, but here it goes ; again. I tried explaining this to Citi card, after not receiving my bill for months. I had my mail forwarded with USPS ( multiple times ). Understandably, a few of my bills have been lost and/or never received. This applies to my Citi card. Let me also add, I am no longer even possession of this card. It wasn't stolen, but I cut it up and threw it away a long time ago. The only reason I was ever made aware of this default account is getting an email from XXXX. I have received ZERO phone calls/voicemails advising me of my overdue/late payment. I now have hundreds of dollars in late fees with Citi. I made a minimum payment ( {$300.00} ) today, the same day I received notification from XXXX, over the phone with Citi. I asked the customer service representative if she could remove the previous late fees, due to unfortunate hardship and my bills being lost in the mail. She was able to remove one. ONE. I have incurred a monthly late fee of {$25.00} since XX/XX/2018. In late fees alone, that is {$150.00}. That doesn't include the interest rate that these late fees have incurred. I offered to pay off my entire account ( {$950.00} ) in-lieu of getting the late fees removed. The answer was no. I requested to speak with a supervisor, explained my pathetic situation again, and was again told no. How is it right that I am being punished for something ( the mail ) out of my control. I did what I thought was right by having my address changed with USPS. I called immediately once I was notified of my default account and made a payment over the phone. Do we not have any forgiveness for people that are going through a hard time? I can't afford these late fees. I can't afford the interest that has been incurred in addition to these late fees. I'm a single mother with a XXXX year old boy. A XXXX year old boy that has had to move three times in the last 10 months. I haven't used that card in years ; the card was originally an XXXX with XXXX. Citi Card is a multi-million dollar enterprise. My measly {$950.00} balance will get paid, by me. Do what is right and remove the {$150.00} late fees.

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 2018-09-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/2018 via online chat at XXXX I inquired about closing my account and paying my balance. After XXXX told me the reasons why I shouldn't I agreed and I asked the person I was chatting with online to NOT close my account. He continued to close my account. He told me he could not rectify the issue. and gave me a 1-800 number to call. That was the wrong number ( the number for XXXX credit cards, not store credit cards like mine. ) I was then transferred to another phone number that lead to an automated machine that could not help my situation. XXXX has not been any help. I took pictures of the chat. Let me know which email I can send it to. Thank you.

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 2018-09-28 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: GA

Complaint narrative:
On XX/XX/2018 I made my final payment on a charge off account. On XX/XX/2018 a failed to pay was still reported to Experian credit report. I filed 2 disputes and capitalone still refused to remove the failed to pay for XXXX. I received monthly failed to pays for over a year before XXXX XXXX even though I made monthly payments. This affects your credit adversely every month u lose points.

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 2018-09-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am reporting a complaint for Experian I asked him to please verify the 14 inquiries on my credit report that I do not recall. They never respond to me they're giving me a hard time here under Section 609 under the statue of limitation of fcra if they can't verify with my signature and must be removed. This is a violation under fcra that if they do not respond to any of my letters or orders and follow fcra policy it is {$1000.00} violation I am asking for this to be removed it doesn't belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: College Foundation, Inc.
State: NC

Complaint narrative:
I have an FFEL Master Promissory Notes ( student loan ) with College Foundation of North Carolina. I am trying to determine if they can validate that I approved of, or provided authorization of loan dispersements in XXXX, XXXX, and XXXX. Thus far they have communicated that disclosures were sent to me at the address I had on file at that time. 

I am only trying to determine if CFI can validate that I signed any of the following : 1. Electronic Funds Authorization, 2. Master Check Authorization, 3. Loan Check, in connection with my Master Promissory note. 

I need to know if I signed any of the documents listed, or if they can validate that I have done so by providing a copy of said documents with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ocwen Financial Corporation
State: HI

Complaint narrative:
I have been receiving monthly bills by mail & and paying online ( no problem ) ; without notification they, OCWEN, changed their policy that, if I receive a paper bill by mail, I can not pay my bill online with out a $ XXXX charge. 
I called them about the issue, & they said basically, tough luck, thats our policy. 
Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: DISCOVER BANK
State: TX

Complaint narrative:
In Reference to XXXX Beginning in 2014 I began a membership with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX these are all the same entity, an international dating and overseas bride introduction service as they claim. 

! ) Over more than 2 years there were several charges and amounts made by this company some of which were authorized by myself and some were charged to my account without my authorization. The amounts could vary from {$390.00} to {$240.00} to {$99.00}. 

2 ) XXXX XXXX does not run a legitimate service! They run an illusion that does not functionally exist, only as per billing the customer and deceiving the customer with artificial software, staff writers portraying themselves as female members, fake profiles, and a slick graphic onscreen presentation will you find services rendered but they do not perform the services they advertise and imply! Those services are supposedly communicating with women interested in meeting and marrying a western or American man. They have no intention of delivering that stipulated service that they advertise! It is all a scam and just because Discover says they talked with the other party does not resolve my dispute as this company XXXX XXXX will lie cheat and steal from their customers so hwy would they tell the truth about their credit card billing? 
Discover has no desire to rightfully resolve this dispute! This makes them as criminal as the entity that deceived me! 

3 ) Discover has made no serious effort in the slightest to resolve what should be a clearly proven case for a refund! They are merely stonewalling while negatively reporting my credit score! not only do they shirk their responsibility to the consumer they are enabling a criminal operation to continue making million on thousands of other male customers! I demand a refund and correction of my credit status and Discover is refusing using their policies as an answer to criminal acts that have no related statue of limitations!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
XXXX of XXXX i recvd a call from my then XXXX year old cousin. He said his parents had kicked him out. I drove 4 hours to pick him up. He turned XXXX on XX/XX/XXXX. I took care of his needs financially until he got a job in XXXX. He asked if i would finance a car for him. We bought an old, used truck, he said he wanted. I put lots of money into this vehicle over the time he drove it. He signed a contract to purchase the vehicle and agreed to pay me XXXX monthly. He also agreed once he was working to pay me XXXX a month for rent, utilities. Some of these payments he did by wire transfer from his account to mine. XXXX to XXXX i believe. He became angry that i wouldnt let him drink so he left, leaving the car. He went to the bank and committed fraud by disputing the wire transfers. They pulled XXXX dollars out of my account, unaware of a contract. I want the money put back into my account. We both bank at arrest bank and i was on his account. The bank now has a copy of my contract with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On Wednesday, XX/XX/XXXX I went to a branch of Citi Bank located in XXXX XXXX XXXX in XXXX. 
After I spent about an hour, answering to hundred of questions like phone numbers and addresses of my previous employers, and their phone numbers, I finally got the paperwork and termporary debit card. 

Same day, when I tried to activate my card, I got an error message. After a few tries I decided to call but the lady wasn't able to locate any of my accounts. 

I was trying to reach them next day, but the answer was the same. Then I called to the branch, but didn't get a clear answer. 

The next day, I spent another hour on a phone when another lady picked up the phone and told me there is no account, and I should go to the branch to start the process from scratch.

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 2018-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
I have a complaint for chexsystem I sent them a letter about some information that was inaccurate that didn't belong to me and it's giving me a hard time to open up a bank account. Under the statue of limitations at CRA if there's no response and must be removed or it's a violation and can be sued each Bureau and collection of {$1000.00} fine. I am asking to please remove XXXX XXXX XXXX XXXX from my chexsystem as an exchange. 


Thank you so much I appreciate your business sincerely

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 2018-09-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Premier Student Loan Center
State: OK

Complaint narrative:
I was contacted by a company called XXXX XXXX XXXX about student loan forgiveness. They said they would be enrolling me in loan forgiveness program and consolidating my loan so I enrolled with them on XX/XX/2018 and gave them a lot of personal information. However, all they did was enroll me in a free income based loan repayment plan for a year. They charged me four payments of {$230.00} for this service I could have done for free I found what was going on on XX/XX/2018 and cancelled. If I had not cancelled I would've have been chard another payment of {$230.00} and then {$30.00} a month for 120 months for a " recertification fee '' for a service the government does for free.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX my account was closed and I was told to withdraw my assets. I attempted to do so, but each time the website gives me an error " XXXX verification required Before you will be able to complete this withdrawal, you must provide additional information ''. There is no way to provide the additional information. The link provided simply redirects me back to the account closure page. There is no way for me to withdraw my assets. 

Here is a history of the times I have contacted the firm to attempt to resolve my issue : XX/XX/2018 email Case # XXXX XX/XX/XXXX email Case # XXXX. 
XX/XX/XXXX call Case # XXXX XX/XX/XXXX email XX/XX/XXXX email XX/XX/XXXX email XX/XX/XXXX email XX/XX/XXXX email XX/XX/XXXX email Case # XXXX XX/XX/XXXX call. 

I received a response in most cases, and the response was the same each time. You apologized, said the case would be escalated to a specialist, and then failed to contact me or follow up in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: 1st Franklin Financial Corporation
State: AL

Complaint narrative:
I am filing this complaint on behalf of my NON-ENGLISH speaking XXXX-year-old mother. She can NOT read or WRITE English and has been diagnosed with XXXX. She was given this loan via check mailed to her which was taken and deposited at her bank. She did not understand that this was a loan. I attempted to contact and explain the situation to this lender and they refuse to help.

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 2018-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I put on credit freeze on my Transunion account in XX/XX/XXXX. 
They have removed the freeze without my consent on XX/XX/XXXX and have allowed mutiple credit inquires initiated by an identity thief since, which affected my credit score. 
I have put back the freeze on my account again on XX/XX/XXXX. However Transunion allowed furthur credit inquiries from a leasing office in LA initiated by an identity thief on XX/XX/XXXX. I called Transunion but a Transunion person says any leasing office can retrieve my credit score even though I put freeze on my Transunion account. That is their  exception policy. 
In short, my issues are 1. Transunion allowed someone to remove the freeze on my account without my consent.

2. Transunion allows any leasing office to retrieve my credit score even though my Transunion credit account is frozen.

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 2018-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp.
State: TX

Complaint narrative:
True Accord has been harassing me by email to collect a debit. I received 34 emails from different staff members at True Accord trying to collect a debt that I owe to XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Federal Cash Advance, LLC of Oklahoma
State: TX

Complaint narrative:
I sent a intent to pay and a Notice to Cease Communication letter to XXXX XX/XX/18. I received a letter from them XX/XX/18 by mail.

Company response to consumer: Closed with explanation