vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
XXXX froze my mothers account 8 weeks ago. When they initially called their questions made me uncomfortable as they sounded like they could be a scammer so I hung up. 2 weeks later I received a letter about it and called them. Our financial and tax advisors helped me submit what was requested and after 3 weeks they contacted me for additional info but also I had to resubmit documents I had already sent. After numerous phone calls to find out the status and more resubmissions its now been under review for a week. They have told me that the only way to know if the freeze has been lifted is by calling in. NO notice will be sent to me. 
This is my mothers primary account, she is XXXX and has XXXX and XXXX needs to be paid! They are now bouncing checks and this includes a {$19000.00} payment. I have also asked how they will help fix the problems they have created ( declined payments ) Their answer has been that thats not their problem.

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 2018-10-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: STERLING JEWELERS, INC.
State: NV

Complaint narrative:
I have a closed account showing on my credit report from XXXX XXXX that is NOT accurate. Says I opened the account in XX/XX/XXXX which I did not do. The only time I had a XXXXXXXX XXXX account was in XXXX when I was young and stupid and messed up my credit because of delinquent payment history so if I were to apply for another account, I'd be denied anyway. When I checked my credit report 2 years ago, it showed an exact duplicate account for XXXX XXXX in the amount of {$1000.00} owed. I have had contact with the company who bought that account and it was removed from my credit report. {$1000.00} was NEVER my credit limit. I do not understand what is going on or why this is happening but this information should NOT be on my credit report and I have tried to dispute this case many times and nothing is changing. If this error is not corrected and this account is not removed from my credit report within 30 days of this dispute, I will sue XXXX XXXX under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I submitted a complaint on the actual day and time when it happened because I never left the ATM machine .The person from the company on the XXXX number told me I did not need a confirmation number or a complaint number. If any thing he has my name he submitted the claim he has my account number.I went into the bank to retrieve my card and show them the receipts from the error at their ATM machine with my cash and they said they had no record of such claims .I HAVE RECEIPTS, IT HAPPENED AT BRANCH BANK NOT RANDOM ATM.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 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: CA

Complaint narrative:
I XXXX XXXX set up a long term hardship program last XX/XX/XXXX or XXXX. I did all what is necessary. I made a downpaymemt and setup an automatic payment. One month after XXXX XXXX credit card collection department is calling me again cause sometjing went wrong on the enrollment process but when i ask what went wrong the answer is i dont know. But a representative called me XXXX and confirmed that im in the program. Now to enroll again they are asking for another downpayment. I paid it to enroll but its a hardship for me cause all the while i thought im already enrolled and just going to pay the minimum amount due. Now i have to pay more than what im expected and thats very hard.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
During hurricane Irma my mortgage company : Caliber Home Loans offered me a natural disaster hardship deferment for 3 months. I have never missed or was late with any payments until the hurricane. I was told that the 3 months would he put at the end of the mortgage. Then in XXXX they sent a letter and said if I didnt pay the entire amount of the 3 months mortgage payment or I will face foreclosure. Since then they said I didnt qualify for any programs and I must pay. They have also took off of my credit report that I was a victim of a natural disaster and put that I am 90-120 days late which has significantly lowered my score. I have paid my mortgage on time since then deferment ended and am only behind the 3 months they lied about putting at the end of my mortgage. Please help me keep my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had open a bank acount with us bank and my acount was close becused I didn't hand money in my bank acount I thought that my funds where sending me a check yo my address but I never open my mas il and I rescued a letter that st and XXXX that my acount was close for not having funds and I disputed my bank acount all I got was a letter stating that all was geting but I believe that us bank close my acount before I had access to my funds

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 2018-10-20 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
The inquirer name is XXXX XXXX XXXX. the date it happened was XX/XX/2017. It was reported to XXXX and ChexSystems. I disputed it with ChexSystems and they refuse to removed 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 2018-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2018 I discovered unauthorized debit of XXXX USD 3 times for a total of XXXX USD from my checking account. I contacted Citibank same day to notify them of the fraud. Representative took the information and informed me they will issue me a new card and that I'm not liable of the unauthorized transaction as well within 10 days I should receive a temporary credit of the missing funds. 
Within perhaps 1 to 3 hours after filing notice of the missing funds I receive a notice via email of the account being closed and that I have 30 days to remove any funds I have as the checking account will be closed!! My money gets stolen and even before any investigation on their part I get notice they are closing my account all together!! I opened the account few weeks before to take an advantage of their promo if you open new account and deposit XXXX USD and maintain it for 60 days you will receive XXXX USD. That obviously never happened as they simply kicked me out for reporting missing funds!! I did not care that they dont want me as their customer but on XX/XX/XXXX I received a notice of their investigation that since my card and pin was used they will not issue me a credit back for the missing funds! I have no idea how someone obtain my pin or used my card ( since I never received their original debit card, only the replacement ). Horrible practice, abuse of power, to close an account even before any investigation is a strong indication of profit before service and care for customer.

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 2018-10-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZARVAD III S.A.
State: LA

Complaint narrative:
I TOOK OUT A PAYDAY LOAN A WHILE BACK WITH MYPAYDAYLOAN.COM FOR {$1400.00}. I PAID THEM BACK WHAT I COULD AND THEN IT WENT INTO DEFAULT CAUSE I GOT HOSPITALIZED. THEY LOAN AGENCY TOLD ME THEY WERE OUTSOURCING THE COLLECTION OF THE ACCOUNT TO XXXX XXXX XXXX. NEVER HEARD FROM XXXX AND THEN ALL OF A SUDDEN I STARTED GETTING VOICEMAILS FROM XXXX XXXX XXXX OF XXXX, NY. THEY HAVE CALLED ME FROM SEVERAL DIFFERENT NUMBERS AND GIVE ME NAMES FOF XXXX XXXX AND XXXX XXXX, BUT IT SOUNDS LIKE THE SAME PERSON. THEY HAD ME SO FREAKED OUT CAUSE HE SAID HE WOULD SUE ME FOR THE PAYDAY LOAN. HE ALSO CALLED VARIOUS MEMEBERS OF MY FAMILY AND MY SUPERVISOR AT MY JOB AND KINDA TALKED TO HIM ABOUT ME AND THE DEBT. HE CALLS FROM XXXX, & XXXX EXT XXXX FILE NUMBER XXXX. I HAVE BOTH VOICEMAILS SAVED ON MY PHONE AND I HAVE A LETTER ALSO FROM THEM CONCERNING PAYMENTS. I WAAS STUPID AND PAID TWO MONTHS TO THEM ALREADY THEN DID SOME RESEARCH ONLINE AND IT SAID TO NOT PAY THEM ANYTHING AS THEY WERE A SCAM, AND USING SCARE TACTICS TO GET PEOPLE TO PAY. NO LONGER WILL MYPAYDAYLOAN WORK WITH ME EVEN THOUGH I HAVE TRIED TO EXPLAIN TO THEM WHAT THIS FLY BY NIGHT SCAM IS DOING.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to cancel this service multiple times over the last 2 years however when I last contacted them XX/XX/XXXX, they claim they are unable to find my account. This is not the first time I have tried and each time I become so mad and frustrated I give up. Experian has now sent me an email stating they will be increasing the monthly service for the membership I do not want and they seem to not be able to find when I try to call or email them. I have not logged into their site in over a year and can't reset the password when I have tried because " they can't find my account ''. I have no desire or value in this service and have not wanted it in some time. Their IVR in the phone system is a joke- no matter what prompt you push you CAN NOT connect to a live person. HORRIBLE HORRIBLE company.

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 2018-10-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Ad Astra Recovery Services Inc
State: MS

Complaint narrative:
Send letter to resolve debt no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA

Complaint narrative:
1st first Virginia is a loan place they have called and taken so much money for a XXXX loan they said its nothing I can do but let them take it the money the loan has been paid for its XXXX I have paid XXXX in interest. No one should ever go there Im so sad and sorry I used them for service! Please dont go to that place!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery calls my phone several times a day from various area codes none of which are the area code I live in, when I answer the phone there is no one there most of the time. I called the number back today ( number from Virginia and I live in Illinois ) to find out who is calling my phone. They asked for personal information from me and I told them I had no idea why they were calling and that they called me first I wanted to know who they were and why they were calling. I gave them my name but nothing more. Again was asked for social security number and I told them I would not give out my personal information without knowing who is calling and why. Their only reply was this was a personal business matter, I explained I didn't know who they were and I had no personal business with their company. She said she was going to end the call because it wasn't getting anywhere. I told her they were going to be reported to the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-20 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I made a XXXX payment on XX/XX/2018 for month of XXXX and on XX/XX/2018 they took it upon themselves to take out XXXX in which it bounce my checking account XXXX and the XXXX payment was not due to XXXX therefore becoming an unauthorized transaction, I had called them and refunded the XXXX payment and was told to submit bank showing insufficient fee and faxed them twice, and then they told me it wasnt their fault and will not reimburse me, now it cost me XXXX extra because i had to go to XXXX and faxed this to them so now i am out XXXX for their XXXX, if it wasnt their fault, then why they reimburse me the XXXX they took out, because i turned around and gave back them that same XXXX in XXXX for XXXX so i am asking for immediate action on this, they took out an unauthorized transaction and they will not refund my XXXX insufficient fee.

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 2018-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: MN

Complaint narrative:
Discover Miles Card transferred my " Miles Points '' ( last seen on XXXX XXXX statement ) into a credit ( showing on XX/XX/XXXX statement ) without informing me of this transfer. I had accrued XXXX miles-points ; I don't know date I opened the Miles card because the Rep. told me they had no record of my start date. They gave me a money-credit for the miles I had accrued, of {$570.00}. I would have received full market value for points if I'd been able to use my points ( like I had wanted to do ) for actual airline travel. I could have bought a very expensive airline ticket with the XXXX miles, certainly worth more than {$570.00}. That's why I had been saving up my miles-points. Now I have only {$570.00}. They didn't tell me they were doing this. I simply saw a credit on my statement, and my miles-points had disappeared. ( One representative named XXXX in XXXX told me I should get XXXX x 2, so XXXX based on Discover 's system of : every XXXX miles equalled {$100.00}. ) Spoke with another Rep. who explained the correct credit was {$570.00}. I spoke w/ another Rep. XXXX, who said they couldn't change problem, that Discover had changed how they deal with Miles in XXXX & due to inactivity (? ) they credited my account for a lesser value than real travel would buy. They didn't tell me that. The Rep ( XX/XX/XXXX ) said I couldn't get my miles back, which is what I want. I'd been saving for many years. They said they sent me a check. I didn't receive a check. Going through my statements again, I see the credit has been missing for about a year. I spoke w/ a Rep. today ( XX/XX/XXXX ) & asked where my credit was. It was there on the XX/XX/XXXX statement & missing thereafter. Today after my call, they reinstated my credit. ( *Please note, I did change my Miles Card to the Discover it card after all this happened, XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I was taken in an ambulance to the hospital on XX/XX/XXXX. I got a bill from the Ambulance Company, XXXX XXXX XXXX. I paid the debt off which was around {$800.00}. Then about a year later in XXXX I was sent numerous letters saying I did not pay. I went to my bank, which at the time of the event and paying off of the debt was XXXXXXXX XXXX. I was able to get a print out proof from the bank stating that I paid the debt. It was submitted and the debt was removed. Now, it is XXXX and I have since moved from the XXXX, XXXX area to XXXX XXXX. I changed banks to XXXX XXXX. Commonwealth Financial Systems has since contacted me saying I have unpaid debt for {$1100.00}. They sent me a letter at the beginning of XXXX and I contacted them to try and tell them I paid off the debt but they would not accept my reasoning. So I reported them to XXXX as fraud and XXXX removed them from my credit score. Now, on XX/XX/XXXX I have gotten another letter from Commonwealth Financial Systems saying I have unpaid debt for {$110000.00} which is fraud. Since I reported them once to XXXX, the incident is flagged for a year on my credit report and I can not report them again. The current creditor is XXXX XXXX XXXX. XXXX XXXX is listed as the collection representative. I am going to try and contact XXXXXXXX XXXX to get a copy of my financial records that says I paid the debt off in XXXX. Please help me from getting contacted again by debt collectors for debt I have already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 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: FL

Complaint narrative:
I have been attempting to file disputes online with Equifax since XXXX of XXXX and filed a complaint with the CFPB in regard to this issue. 
I have received a copy of my credit report, via USPS, and spoke with someone at Equifax yesterday to find out when information would be deleted from my credit report. 
I found that XXXX XXXXXXXX XXXX XXXX is inaccurately reporting data and not showing a complete historical account information section on my credit report for the " DATE OF 1ST DELINQUENCY ''.

The date of 1st delinquency reported is XX/XX/XXXX, but the " ACCOUNT HISTORY WITH STATUS CODES '' shows XX/XX/XXXX. 
This account was opened in XXXX of XXXX. 
The date of 1st delinquency should have been in XXXX or XXXX of XXXX. 
I have previously disputed and sent numerous letters to XXXX XXXX XXXX XXXX in an attempt to retrieve all accurate information for review and to date, still have issues with this account. 
I believe that this is an attempt by XXXX XXXX XXXX XXXX to re-age the account for reporting purposes in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax allowed an UNAUTHORIZED entity XXXX do a hard pull to my credit file -- I DID NOT AUTHORIZE THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 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: FL

Complaint narrative:
I disputed the inquiry with XXXX XXXX XXXX and TransUnion but they refused to removed it. the inquiry took place on XX/XX/2017.

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 2018-10-20 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: VA

Complaint narrative:
XXXX XXXX did a hard pull on my credit file without my Authorization

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