vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Made a purchase of a laptop and a phone at Best Buy in XXXX, XXXX for {$2000.00}. I was given an option to either pay for the purchase and receive a discount or put the purchase on the new Best Buy card ( issued and serviced by Citibank ) and forego the discount in place of a WAIVED interest rate on the card for a year. I chose to apply for the card. Was approved on the spot and put the purchase on it. I have serviced the outstanding balance with regular monthly payments and the outstanding balance as of XXXX, XXXX was {$1600.00}. Then my wife received a bill in XXXX, XXXX for {$2200.00}, which included an insterest of {$600.00}. I was away on a business trip, thought such a huge interest charge was some kind of mistake and I would deal with it upon my return. When I returned to US and cleed the Citibank, I was explained that the promotion on the card ended and the interest charge, that I was advertised as WAIVED, was actually only POSTPONED. I offered to settle the full outstnading balance on the spot, but was told that because on the 2nd or 3rd page of the monthly statement, this promotion was explained in fine print, bank 's policies would not allow to waive the interest even with the full payment. I escalated the matter to the second level superviser, who promised to give me a call within a week, yet, I received no follow up. I received another call from the bank at XXXX on XXXX morning of XX/XX/XXXX with the reqquest to make a payment. When I refused to accept the {$600.00} interest change, which is an outrageous amount of about 33 % on the average outstanding amount, besides the fact that I was advertised NO interest rate for one year, the representative said that they had " good news '' for me. Apperantly, the bank was willing to discount 50 % of the changed interest if I accepted the changes. This is a highway robery worthy of shady finanical operators, which I could never have expected from such respected institutions as Citibank and Best Buy. I refuse to accept the " incurred charges '' as I was plainly told there would not be ANY interest charges for a year and I was not clearly explained that I needed to pay off the full amount in under a year! Those conditions were also not clearly marked on the frint page of the statements and Citibank did everything to " catch me '' in their " trap. '' I'm willing and able to pay the outstanding amount in full. Please, help me receive justice in my complaint against completely unfair consummer practices of Citibank

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 2019-05-14 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 — Problem getting your free annual credit report
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: TX

Complaint narrative:
I contacted NCTUE about obtaining a copy of my credit report due to identity theft. The company did not send me the report. 

I sent my letter and proof of identity theft, my drivers license with ssn, and a utility bill. The company responded by asking me for my personal information. This is a violation. 

I will included copies of my original letter and their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
i have been trying to get a copy of my chex systems report for over a year. I received it about a week ago. I was relieved to find I did not have any negative information except one problem there were 56 Inquiries on my account.! Dating back over 3 years ago!! 
some were from XXXX? I do not recall intiating them so I made categories of bank accounts they said I had made inquiries too and a list of dates. 
I called chex systems today and spoke to " XXXX '' from XXXX. who said he could not give me anyother identifying information..Right but he had All Of My information. 
so I asked him how long to you keep consumer initiated inquiries on an account and at first he said 2 years then he changed it to 3 years. 36 of the the? inquiries are Over 3 years old. I  mean im XXXX years old im a citizen iver worked for this country for over 50 years and I kept wondering Why cant I open a bank account?? and now I have my answer ... not sure how I m going to be able to clear this up but im asking for help im really disappointed and upset about this .thank you 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 2019-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: MI

Complaint narrative:
AES/XXXX XXXX XXXX XXXX XXXX, PA XXXX USA ( XXXX ) XXXX AES/XXXX XXXX gave me a private school loan on XX/XX/XXXX for {$75000.00}. This loan was found to be not exempt from bankruptcy. I filed bankruptcy in XX/XX/XXXX and they kept sending bills. XXXX XXXX XXXX in XXXX Michigan has found this loan to be dischargeable in my previous bankruptcy and has sent notification more than 2 months ago to them. They were asked for an accounting of all payments made since bankruptcy and for the monies to be returned to me promptly. I have no responses from them nor has the attorney. I have paid nearly 40,000 to them in payments in the last 7+ years that they were NOT entitled to. I would like my payments refunded and the incorrect non-payment information and the account blemishes removed from my credit. I was instructed by legal counsel to stop paying them and they have ruined my credit based on payments they are not owed and that they owe me back XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX. On XX/XX/2019 Citizens Bank processed a Debit Memo transaction in the amount of {$790.00} from my checking account and applied monies to my mother 's, XXXX XXXX, checking account ending in XXXX on the same day without my authorization or consent. 

Furthermore, Citizens Bank added my name unto my mother 's checking account without my knowledge. I never signed any form added myself to the account. The XXXX at XXXX XXXX, XXXX, had my mother sign my signature on the document. 

On XX/XX/2019 I went to the XXXX XXXX, located at XXXX XXXX XXXX, XXXX, PA XXXX and spoke with XXXX XXXX, XXXX ID # XXXX, XXXX XXXX   and explained to her the above mentioned and requested a full refund of {$790.00}. XXXX insisted that I was on my mother 's account but did not provide any documentation supporting that. In addition, I stated that my account and my mother 's account are not linked together to support the Debit Memo.  Furthermore, because if this error caused by Citizen 's bank my mother was charged {$410.00} additional overdraft fees. 

XXXX XXXX, informed me that she has to speak to her supervisor, XXXX XXXX, XXXX ID # XXXX, for authorization because she has only been in her position for 3 months. She confirmed that with 2 business days I should hear from Citizens Bank and/or see the funds redeposited in my checking account. I didn't receive any credit or hear from Citizen 's Bank. 

On Friday, XX/XX/2019, I met with XXXX XXXX, XXXX Site XXXX XXXX at the XXXX XXXX. I provided him with the same information and requested a full refund. XXXX could not provide me with any documentation suporting the banks actions and refused to compromise a solution. 

I requested to close out my checking account. At the time he said he could not close the account that there was 3 transactions pending. I stated to keep the funds needed to cover the transactions and he refused to. XXXX said, " Come back tomorrow to close your account. '' " Also you don't have to come back to the XXXX branch, you can go to another Citizen 's Bank branch to close your account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX - Filed to have all marketing/pre-approved credit/loan offers be permanently stopped for my address XX/XX/XXXX - Filed again to have all marketing/pre-approved credit/loan offers be permanently stopped for my address XX/XX/XXXX - Sent an email and removed myself from all communications from my bank to try and prevent more offers from being sent. This is after filing the same complaint against the same bank from the previous year. After I moved, they resumed sending me offers even though I have gone through this process less than a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently received many solicitations from attorneys that wanted to help with a lawsuit, I became very curious as to why I was receiving all this mail. I went online to public records and found that a pre-trial conference was scheduled for XX/XX/2019. I never received any information by mail or by phone. I never received any legal documentation regarding this matter. I was very upset to see this under my name in public records with a past due date. On XX/XX/2019 I called the office of XXXX XXXX XXXX XXXX. 
I asked to speak with Mr. XXXX. The woman that answered my call said he was unavailable. I gave her my name and asked for her name and she just ignored my question. I willingly provided her with my personal information. She informed me that they are representing Capital One & I owe a balance of {$3600.00}. I informed her that I had 4 Capital One accounts in the past years all 4 were closed upon my request all 4 had a XXXX balance. When I told her that this has to be some mistake, I do not owe this money, she became very argumentative. I asked her for her name again, she replied that our discussion was over and hung up. I called back a few more times today, but all I received was a voice message. I left two individual messages, but no one ever returned my call. I can not resolve this issue when this woman is screening phone calls and refuses to give me her name. XXXX XXXX XXXX have not returned my phone call and this unidentified woman behaved like a loan shark, using unprofessional scare tactics. Please help me clear my name and this serious matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I am a customer of Citizens bank. 

On XX/XX/XXXX we saw the first fraudulent charges come out of our bank account for {$570.00} in XXXX XXXX, XXXX, and {$580.00} in XXXX, XXXX. We were not alerted, my husband discovered them on our account himself. He called Citizens Bank that day and filed fraud claims as well as to " capture '' our cards. I went into the bank the next morning on XX/XX/XXXX to ensure the cards were cancelled ( at this time we both had physical possession of our debit cards ). The banks recommendation at that time was to order new debit cards, which we did. 
On XX/XX/XXXX, my husband discovered new claim in the amount of {$2400.00} at XXXX XXXX in XXXX NY, dated XX/XX/XXXX. My husband went to the bank that day and at the recommendation of their staff, we closed our original account, and opened a new checking account. We were told that we would have to wait 7-10 days until they could investigate and then we would receive our money back that had been tied up in claims. 
We were told the account was frozen but active until our money would be returned to us. The debit 's continued to our old account ; XXXX - {$590.00} XXXX - {$870.00} XXXX - {$2400.00} XXXX - {$630.00} XXXX - {$600.00} On XX/XX/XXXX, our NEW account was charged {$600.00} were instrcted to call and file yet another claim, On XXXX after we discovered charges on what we thought was our closed/frozen account, we went into the bank and requested ALL accounts be closed and requested to withdraw our money. We were told we could not do this because of incomplete claims. We had opted to close the account and have a check mailed to us when the money became available, which I do not believe the account was ever closed. 

While we were waiting for our claims to go through, on the original account, citizens had rejected our mortgage payment and credited the account with {$2500.00}, which before we could retrieve as Cash from the bank, was spent fraudulently. 

When asked for more information from the fraud team they said that they have narrowed it down to a stolen debit card number in the summer of XXXX. However i don't understand how having a debt card number of a " captured '' card could give you access to a NEW account opened >1 year after that card number has been suspended, and if it does, than I fear for the security of all Citizens bank customers. 

We still do not have our money, they have kept us waiting for ~4 weeks and will not let us close our accounts until the claims have been settled, but in the mean time have proven they can not keep our money safe. We still await ~ {$3100.00} from Citizens Bank. not once were we alerted of any type of suspicious activity on our account even after we alerted them and opened a new account. I fear their security is so poor that my and my husbands other personal information is at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: NH

Complaint narrative:
My husband passed away a few years ago. However, he did assign a credit card to me as an authorized signer. He was the responsible party on the account. Therefore, I respectfully request the removal of my name from the account, and the deletion of any reference to the account on all of my pertinent credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is a discrepancy between credit scores from each bureau for credit reporting XXXX and XXXX   have scores in the 570 range and Transunion is more than 150 points lower for the exact same items on each report each report is exactly the same but the scores differentiates between the three bureaus with two being similar in numeric value and the other transunion being significantly less without valid reason. Transunion has refuse to correct information that they have found incorrect through disputes I have made and make me redisputes for the same item on my credit report the also refuse to address the discrepancy of the credit score.

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 2019-05-14 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I found the Barclays of Delware on my credit report. This is not mine. It might be my dad 's who has the same name but different middle initial. It lists me as an authorized user, which I am not and never have been. I called them to ask them to take it off my credit report. They pulled me up in their system by my social and said that I did not have any cards with them, they said that they could not help me I had to go through the dispute process and mail in to see if they could find it and take it off. They are unwilling to take it off my credit report even though they tell me that I do not have a card with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: DISCOVER BANK
State: CA

Complaint narrative:
XX/XX/XXXX - Filed to have all marketing/pre-approved credit/loan offers be permanently stopped for my address XX/XX/XXXX - Filed again to have all marketing/pre-approved credit/loan offers be permanently stopped for my address XX/XX/XXXX - Sent an email and removed myself from all communications from my bank to try and prevent more offers from being sent. This is after filing the same complaint against the same bank from the previous year. After I moved, they resumed sending me offers even though I have gone through this process less than a year ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX - Filed to have all marketing/pre-approved credit/loan offers be permanently stopped for my address XX/XX/XXXX - Filed again to have all marketing/pre-approved credit/loan offers be permanently stopped for my address XX/XX/XXXX - Sent an email and removed myself from all communications from my bank to try and prevent more offers from being sent. This is after filing the same complaint against the same bank from the previous year. After I moved, they resumed sending me offers even though I have gone through this process less than a year ago.

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 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX - Filed to have all marketing/pre-approved credit/loan offers be permanently stopped for my address XX/XX/XXXX - Filed again to have all marketing/pre-approved credit/loan offers be permanently stopped for my address XX/XX/XXXX - Sent an email and removed myself from all communications from my bank to try and prevent more offers from being sent. This is after filing the same complaint against the same bank from the previous year. After I moved, they resumed sending me offers even though I have gone through this process less than a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
Per the FDCPA, debt collectors are not allowed to leave two voicemail messages on the same number on the same day. OneMain called my cell phone number at XXXX CST and XXXX CST. On each call, a voicemail was left. This is a direct violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I found the XXXX of XXXX on my credit report. This is not mine. It might be my dad 's who has the same name but different middle initial. It lists me as an authorized user, which I am not and never have been. I called them to ask them to take it off my credit report. They pulled me up in their system by my social and said that I did not have any cards with them, they said that they could not help me I had to go through the dispute process and mail in to see if they could find it and take it off. They are unwilling to take it off my credit report even though they tell me that I do not have a card with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I got a letter that on XX/XX/XXXX, the company I hired ( XXXX XXXX XXXX ) was able to negociate a settlement with an account that was delinquent ( Best Buy/Citi account in a 9 payments of {$100.00}, which came to its completion on XX/XX/XXXX. 
But these people XXXX XXXX XXXX, wants to continue to collect and retain the bad remark on my credit reports all across, I tried calling them, but they claimed they can only talk to the people that represent me ( XXXX XXXX XXXX ) and I said they no longer work for me, I sent XXXX a letter in writing my dislodging with XXXX a month and a half ago, but they still avoid me, I just want them to recognize the account was paid in full for the settlement and remove those bad remarks from my credit reports.

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