vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I'm having an issue with CitiCards. When I make a payment for my statement balance in full, the last two times they have always requested/received TWO full statement balance payments from my bank. So,  I've had the same issue happen twice now. 
It happened once on XX/XX/XXXX. 
It just happened again today/yesterday. The payment is still processing/pending with my bank. 

So, inXX/XX/XXXX, I scheduled a payment for {$900.00}. It was scheduled at some point in advance of XX/XX/XXXX. On XX/XX/XXXX, my checking account with XXXX XXXX XXXX that was being used to pay the credit card bill is charged for {$900.00} TWICE. My credit card bill then starts to show a balance of NEGATIVE {$900.00}. I didn't think much of it at the time because I thought I may have scheduled two payments on the same day by accident and not checked the scheduled payments. I carried a negative balance on the card for a while and had no need to make a payment in XX/XX/XXXX. When the billing cycle payment due date came around in XX/XX/XXXX, I had a bill for {$91.00}. I used the mobile app to schedule payment XX/XX/XXXX. I checked it to confirm there was only ONE  listed scheduled payment. That was all I ever saw. I received an email from Citi cards telling me that my payment was received and then I saw something showing I had a NEGATIVE balance again. 

I contacted CitiCards today through their chat platform. The person was helpful, but I have no sense of this actually being resolved. I contacted my bank, XXXX XXXX XXXX, to confirm it wasn't on their end. They said they received two  authorizations in XX/XX/XXXX and there are two more coming in for this recent instance. XXXX XXXX XXXX offered to put in fraud claims for any/all of the charges, but I elected to not pursue that at this time because I don't want " block '' myself from paying my own credit card bill. I was concerned that would lead to late fees or interest fees with Citi that I would have to discuss with them. 

I requested that I receive an email or phone call of some kind to verify that this is taken care of. It seemed as though they will apply this information to my account, but I have no idea if anything will change. I just wanted to get this out there because if people are carrying a relatively low checking account balance, this DOUBLE billing practice may result in fees from their bank or wherever they are drawing from to pay their credit card.

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 2019-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
I had originally disputed this debt on XX/XX/2018 directly with XXXX after sending two disputes to the credit bureaus. I went on the CFPB 's website and found a sample letter to dispute this account and request what was needed to dispute & validate the debt. 

I received a very vague response on XX/XX/2018 that did not address or validate everything that I requested. 

Even on the FTC website it states the following : ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless  the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

This was clearly ignored and could be argued that it is a violation of the FCRA.

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 2019-02-21 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 — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In XXXX I placed an online order with the company XXXX XXXX XXXX XXXX using my American Express Credit Card. This order was " supposedly '' delivered to me by merchant. When contacted XXXX to dispute transaction they never respond. Only once was I contacted about this on an email that stated the situation was being escalated, never heard from them again. My credit card company received the dispute on the charge directly by me, and after a month they now decided to side with this merchant and their excuse stating the goods were delivered to me even though, me nor anyone in my household ever sign and acknowledged the arrival or delivery of purchase. There is a man office located at the main entrance of my apartment complex, my apartment complex is also a gated community. If the delivery driver saw the opportunity to skip the main office were this packages should be delivered to, and thought was easier to just enter with no code or authorization to my property was the wrong call. Left a package stranded on some random door, cant even confirm it was my apartment and now don't want to refund my money or at least offer to send merchandise I paid for. I already provided the main office contact info to both the credit company and the merchant to confirm procedure for package deliveries and to prove neither I or management received this goods still no resolution. I don't have my money, no one seems to care about it, at the end of the day is just {$200.00} for them ... pocket change for these corporations run by billionaires whom don't care about us the nave population.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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 am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Those dates are : 1. XXXX/XXXX/2018

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 2019-02-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Those dates are : 1. XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: CA

Complaint narrative:
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Those dates are : 1. XX/XX/2018

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 2019-02-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
During XX/XX/2018, I applied for a student loan for my son and cosigned the loan as his parent ( legal guardian ). The loan application process was done at the bank branch by the branch manager. I requested the deferred option with a fixed rate. 

The branch manager completed the application on her computer and told me the loan was sent to my e-mail account to e-sign, which I completed. 

It turns out the loan payment option chosen by the manager was payment of interest immediately instead of deferred upon graduation and the rate is variable. 

On XX/XX/XXXX, I received a late payment notice in the mail from the banks collection party demanded {$170.00} interest payment that is late. I called the collection agency immediately and that is how I discovered the loan application was done erroneously at the branch. The branch is Citizens Bank on XXXX XXXX XXXX, XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
I made two purchases through XXXX for home goods and furnishings. I was charged for these in XX/XX/2018 ( although the good were not delivered until sometime after that. ). 
When the good were delivered they were defective. Because they were defective and the company refused to taken them back ( claiming the return period had ended ) and had refused to give a credit, I notified the issuer of the Credit Card properly to make a claim under the special rule for credit card purchases. This claim ( a copy of which is attached ) was sent to the address the company requested by mail. The letter dated XX/XX/2018 read as follows : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Rhode Island XXXX XX/XX/2018 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Ohio XXXX RE : XXXX Account Number XXXX I am writing to notify you of two claims under the special rule for credit card purchases. The reason for these claims is that the merchandise is defectiveit does not meet the implied warranties of fitness and suitability. Further there are material defects in the merchandise supplied by XXXX to fulfill these orders. ( Pictures are available should you require them. ) Therefore I seek an immediate and permanent credit of : {$220.00} for order number XXXX charged on XX/XX/2018 {$1500.00} for order number XXXX charged on XX/XX/2018 I have tried to work with XXXX to resolve these problems without success. Therefore, I now must rely on my rights under the special rule for credit card purchases and ask that these charges of {$220.00} and {$1500.00} be refunded to my account immediately. 
Kind regards, /s/ XXXX XXXX Subsequently pictures of the defective and damaged items were provided during the " investigation period. '' The credit card company violated federal law by recharging me for these defective good repeatedly and claiming that the " return period had ended '' and therefore there was no remedy available. I have shared all of this information with the House of Representatives Government  Oversight Committee which is apparently investigating why CFPB is no longer doing its duty under the law. 

The defective and damaged merchandise still remains available for the merchant to come and get or inspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
the XXXX XXXX XXXX was purchased XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXXThey first arranged the with XXXX XXXX.When I got the 1st late notice from XXXX  I phoned them and told the person I talked to about how I would need a different due date.This was because I only income is from Social Security XXXX.They extended o reasonable grace period so I would avoid any late fees in the the future.This the exact same procedure I took with hunting when I received my 1st late notice from them.At the time I first called they their customer assistant in formed me huntington did not offer grace periods and I would have to make the payment an pay the late fees or I woud never see my title.I have a half a dozen times when Called huntington a discussed the same Social Security issue with them.Same answer huntnigton has no grace time for passed due payments.I have made monthly payment on the principle ever month since XXXX.never missed a payment.I received on XX/XX/XXXX a loan transaction history. With a start date of payment of XX/XX/XXXX. 
The conversation I had with a rep from huntington, I asked why they never tried to work with me that rep asked why didn't apply for a distress wavier.Well think that ' because it was never offered. 
I have the copies of the Loan history an checks.I don't have ready access to a fax.Wiil happily mail. e-mail or tex and let me know. 
cell no ( XXXX ) XXXX XXXX would get fastest reply Thank you XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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 am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Those dates are : 1. XXXX/XXXX/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 2019-02-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Those dates are : 1. XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: CA

Complaint narrative:
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Those dates are : 1. 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 non-monetary relief
Consumer complaint received 2019-02-21 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: CA

Complaint narrative:
My XXXX XXXX Credit card account has late payments reported that should not be there. I contacted them and they waived the late fees but didn't correct the lates which should have never been reported on my account XXXX 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 2019-02-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : Chase Card XXXX XXXX XXXX XXXX, DE XXXX XXXX Those dates are : XXXX. XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: XOOM CORPORATION
State: DC

Complaint narrative:
XXXX falsely asserts that transactions are processed quickly, and claims to users that the process requires far less work than it does. 

I was sending money to XXXX, so at XXXX, I selected XXXX from the top-level menu, and got this text : " It's very easy to send money to XXXX. From our website or app, simply enter the amount you want to send, select where you want the money to be paid out and decide if you want to pay with your bank account, debit card, or credit card. That's it! " The front page also promises that " Your transfer will arrive in seconds. '' The intent of this ad copy is to get users to initiate the transfer, surprising them with additional requirements after they have invested time to start the process. After submitting, I was told to call customer service, who told me to send personal documents ( via unencrypted email ). I was told that the user agreement states that documents should be mailed, but this is not true : the user agreement defines " XXXX XXXX '' as data, not mailed documents. 

I am unable to reconcile the statement " That's it! '' with the several additional steps required, and believe the promise made on the front page to be false. 

Verification takes a day, so the promise that the process takes seconds is misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I bought some digital goods from a seller on XXXX. The seller sent me invoice via Paypal and I paid it. After 7 months one of the digital items I bought from the transaction was removed from my account. I contacted the seller via his paypal email and his XXXX account but there was no response. I contacted Paypal and my credit card to dispute the transaction but they told me they can not do anything after 6 months. This is how a scammer can get away with it and the buyer has no protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
To whom it may concern, I got membership forms and a debit card to reestisablish service with Wells Fargo Bank. Then last year my new credit union paid them for a personal line of credit loan on time, the bank assumed it was delinquent and its still on my credit report.. I went to the credit union to retrieve the statements, my financial expert and your agency without follow through.Last year I went to the credit union to get statements of payment history and all of my payments went out promptly, I called my financial person about this and he didn't seem interested or was busy and contacted your office without feedback.Thank you. Sincerely yours, XXXX XXXX XXXX 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 2019-02-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I bought a {$1900.00} ring at a XXXX XXXX XXXX with their sponsored XXXX   credit card. I noticed the store charged me incorrectly so I took back the purchase and returned it and then recharged the card for the purchase. It's been a month and the XXXX  card company still hasn't refunded the original {$1900.00} purchase and they keep saying they are investigating for a month now when a three minute phone call to the store would solve the issue. Furthermore, I set up a payment of XXXX dollars to pay what I should owe, and they somehow took XXXX from my bank account without my authorization! Now they won't let me delete my bank account in order to wait until they fix the amount owed and therefore the payments. This is XXXX dollars I do not owe and an unauthorized payment increase! Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-21 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 am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Those dates are : 1. XXXX/XXXX/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