vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My wife and I had a Costco Anywhere VISA Business Card by Citi since XXXX, issued by Citi Cards. We both have a credit rating above 700 and have never been late on our payments. Our credit-line was over {$20000.00}. In XX/XX/XXXX, we decided to purchase a car and the dealer said it was okay to put some of it on our credit card. We only put {$5000.00} on the card, way lower than our credit-line. Days later, Citi canceled our card without any prior notification. Since we use the card in our family business, it was a great inconvenience and surprise. Moreover, the cancellation was suspicious because we have over {$750.00} cash rewards on that card. When we called to find out what happened, customer service said we had to wait for a letter but confirmed that Citi would forfeit our cash rewards that we had earned. Because of our high credit rating and patronage of over 10 years, that was an unfair business practice by Citi to act unilaterally and without notice. We asked to be reinstated but Citi refused to provide us with additional information on how to request reinstatement. Oddly, they sent advertisements of other Citi cards despite forfeiting our already-earned cash rewards. We were professional and paid off our statement at the end of the month as we have for over 10 years. Sadly, we typically would give part or all of the cash rewards we earn each year to our children to save for college. This unprofessional business practice had consequences for us in the forfeiture of the cash reward we had earned and that we had to seek a different card and, finally, our trust in Citi. We could have used a different card during that period and missed-out on other reward programs. Our reliance on Citi appears to have been misplaced.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
A person living at the same address BUT not the same appartment open credit cards accounts in my name. This companies closed the acounts and now have been sold to Midland funding for XXXX and Midland credit managem for XXXX. I fild a complaint with local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is unbelievable this bank and credit card company is ripping me off entirely I lost my husband and job and they dont. Care they want their money Im behind 2 months I cant afford their minimum payment and my balance was {$6000.00} now they want {$8500.00} their crazy and refuse to remove the interest charge they are giving me a hard time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: NH

Complaint narrative:
On XX/XX/XXXX I made a complaint against Sallie Mae for refusing to work with me to arrive at a monthly repayment amount that is within my power to pay. The complaint was responded to by them in the form of a telephone call to me suggesting that I do not make the payments due on XX/XX/XXXX ( as there is no possible way I can make the payments and still pay my basic living expenses ) and wait for their collections department to contact me. I was told that at that time, they would make new payment arrangements with me. 
I have four separate loans with Sallie Mae, one of which they processed without deferment, meaning I had to pay the interest on the loan from the start. As I was still in school, I set up an automatic debit ( {$25.00} per month ) and have never missed a payment. 
The other three loans remained in deferment until XX/XX/XXXX. I had not set any of those loans up for electronic debit and yet, on XX/XX/XXXX, my checking account was debited for all three of those loans totaling {$620.00}. They could not withdraw on the original automatic debit loan as the payment amount increased from {$25.00} to {$90.00} and they did not have my authorization for the higher amount. How could they then -- without my authorization -- withdraw over {$600.00} from my account for the loans I had never set up on automatic debit in the first place? There is no way I could meet my monthly living expenses minus these funds, so today, I had to spend {$30.00} to stop payment on these withdrawals. 
My complaint is this : I was advised not to make the payments I could not afford to pay and to wait for Sallie Mae to contact me only to have them then, without my request or knowledge, withdraw a large amount of money from my bank account. I have no assets to draw from to replace those funds and had no choice but to spend the {$30.00} to stop payment on the withdrawals. It's my experience that consumer protection protects the lender rather than the borrower.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
TO ALL CREDIT FURNISHERS, ALL ACCOUNTS THAT SHOULD BE REPORTING ON XXXX, TO WHOM HAS VIOLATED F.C.R.A. 15 U.S.C. Section 1681g since XX/XX/XXXX must effective today re-insert the account back into transunion suppressed credit reports.or face class action litigation in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XX/XX/XXXX and I've never received a response to my address on file. This is preventing me from moving forward with my dream of owning a home. Please respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My information was use for somebody else I have proof that I was living in other place

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XX/XX/XXXX and I've never received a response to my address on file. This is preventing me from moving forward with my dream of owning a home. Please respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: CITIBANK, N.A.
State: SC

Complaint narrative:
XX/XX/XXXX - Made a purchase for {$1400.00} from Sears outlet using Citi AAdvantage Card XX/XX/XXXX - Item was brought for delivery but since the item was out of its packaging and packed and damaged, I did not take receipt of the item. 
XX/XX/XXXX - Lodged a complaint with Sears Outlet ; They asked for product to be returned when it was not even delivered to me. 
XX/XX/XXXX week - Opened a billing dispute with Citi, who reversed the charge. 
XX/XX/XXXX - Received letter from Citi asking for proof of the non receipt XX/XX/XXXX - Sent email with pdf document providing proof of delivery refusal XX/XX/XXXX - Received letter stating that dispute was resolved in favor of the merchant because no information was received. 
XX/XX/XXXX - Called credit card company to resolve the issue. They state that they did not receive the information. I had proof of having transmitted an email with the information and sent them the same. But they would not consider it. I also asked if the merchant had provided proof of product delivery and they stated that he had not. 
It appears that the credit card company did not do even the basic diligence i.e. to seek proof from the merchant that the product was delivered. This is patently unfair to the consumer because proof and documentation is sought from the consumer but not from the merchant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XX/XX/XXXX and I've never received a response to my address on file. This is preventing me from moving forward with my dream of owning a home. Please respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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:
Hello, On my Experian Credit Report, After filing a dispute, the results showed items ( XXXX XXXX XXXX ( Acct # XXXX ) and XXXX XXXX XXXX ( Acct # XXXX ). Both items deleted from credit report on XX/XX/19. I now notice the report dated XX/XX/19, that the item XXXX XXXX, XXXX ( acct # XXXX ) with yet a different account number remains on my report. Also on Experian reported dated XX/XX/19, Items XXXX XXXX ( Acct # XXXX ) and also showed results showed item deleted. Also another XXXX XXXX ( ACCT # XXXX ) also stated Deleted. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. I did not receive this notification. On report datd XXXX, XXXX XXXX XXXX has an incomplete account number which violates FCRA fules XXXX as I have no way of knowing if it is mine. I would like your assistance with these issues. 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 2020-01-08 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
In XXXX, I signed up for a Fronteir credit card, through the Frontier airlines booking website, after being targeted for a special offer of a {$200.00} statement credit after making an initial purchase. After paying my annual fee and using the card to make several purchases, I waited several billing cycles for the statement credit to materialize, but it never did. I contacted Barclays to inquire about the offer, and was told there was no record of this offer on my account, and that I would not be receiving my {$200.00} statement credit. The offer is still presented on Frontier 's booking site, and I unsure as to why they are not honoring 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 2020-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: NY

Complaint narrative:
I have a Mortgage on my Primary Home, being serviced by Selene Finance. I submitted my Loan Modification papers several times before to different Servicers. I had submitted my Loan Mod Package to Selene Finance on XXXX XXXX. There was a Foreclosure Sale Date on XXXX XX/XX/XXXX and they did not want to change it because the package was not submitted 37 Days before the Sale Date. The Sale was averted, thanks to your intervention and a new Sale Date was fixed for XXXX XXXX as per Selene Finance 's Letter but later changed to XXXX XXXX. 

My 3rd Party is in constant touch with Selene Finance on a daily basis and submitted what all docs., they have been asking, right away, before XXXX. In fact they were told that the concerned Officer was on vacation during the year end and he will revert to the file, as soon as he returns.Till yesterday, they were being told that the File is under review, they require no more docs. and in fact they were asked not to follow up on a daily basis. 

But today, I received the attached letter dated XXXX XXXX XXXX, to my surprise saying that they did not receive the whole package 37 days before the Sale Date and hence Loan Mod is denied. 

How can there be 37 Days, when they just postponed the Auction by only 27 Days? If you count from the day the Package was originally submitted on XXXX XXXX, there might not have been 37 days up to XX/XX/XXXX but considering XXXX XX/XX/XXXX, the package was submitted 2 months ' in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$8900.00}, {$12000.00}, {$4000.00}, {$10000.00}, {$5200.00}, {$10000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8900.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- PERSONAL ACCOUNTS -- 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5200.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 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: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
I leased a truck from GM back in XXXX of XXXX with a monthly payment of {$250.00} a month for three years for a grand total of {$9000.00} to be paid off by XX/XX/XXXX of XXXX. I paid the {$250.00} a month early every month and paid the last three  months in XXXX of XXXX. I was sent a XXXX  balance statement and I turned the truck in a week early with XXXX XXXX less miles then the lease allowed amount and the truck was in perfect shape with no scratches or dents. It was so nice that the guy that inspected it wanted to buy it. I thought everything was complete until three months later I was notified by XXXX  XXXX  that I supposedly owed GM financial {$590.00}. I never received a bill and had no idea I owed them money! I reached out to the company right away but was unable to talk to a real person for at least a week. I tried other numbers but to no avail. Finally after waiting for more then an hour I finally reached a real person. She then transferred me to someone else and then again and then again. Finally a women who did not give me her name said she could help me. I asked her about the charge and she said that {$300.00} was for excess use which she immediately said she could waive. then I asked her about the remaining charge and she said it was a lease ending fee. I told her I had no idea and she said she would send me a bill. After waiting another two weeks for a bill I started the phone calls again. I left my cell phone number and my email which when they did call me back they would only call my house phone number and leave a message to call them on the 800 number. I was always at work when they called. Another month went by and finally one day I was at home to answer their call I talked to a gentleman who once again didn't state his name. We went through the whole process again and he said they would definatly send me a bill and an address to mail it to. I received the bill five days later and immediatly sent the payment. This whole process took months and my credit rating was destroyed because of it. I was told that once I paid the bill my credit would be restored to where it was. Now I find out that it's going to take seven years to restore my credit rating. I'm a person that ALWAYS pays his bills and ALWAYS pays them early. Now because big business GM financial can't treat a consumer properly and they make it almost impossible to reach them my financial ability to apply for a loan or a mortgage has been deminished. I would like my credit rating restored now not in seven years. I'm XXXX XXXX years old. I might not live long enough to wait for the credit agencies to make it right!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Big Picture Loans, LLC
State: IN

Complaint narrative:
I received a call from a gentleman named XXXX XXXX claiming to represent XXXX  XXXX for a loan I took out 4 years ago. I told him I believed I paid back any loans I had and I did not remember this loan. He had my name, last 4 of my social and my bank account information. He told me to look thru my records and call him back. When I XXXX  his number, I discovered that it belonged to a XXXX year old woman in Illinois. I assumed it was a fake call since he never disclosed the name of his collection agency. After the holiday he began calling my work non stop. I called him back and asked him to call my cell phone. I then asked for written documentation of the debt. He emailed a XXXX   document. It was basically an acknowledgement for me to sign agreeing to the debt. When I called him back, I asked for a copy of the loan contract and application. He began yelling at me. He said he didnt have it but he didnt need it. They were going to sue me for thousands of dollars and I was going to regret acting so dishonorably. He mentioned that I just bought a house and he knew I had the money. The XXXX  document has since been deleted. I dont know what collection agency he represents, and I dont have documents to show I signed a contract for this loan.

Company response to consumer: Closed with explanation