vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: NE

Complaint narrative:
On XX/XX/XXXX at XXXX AM, I received an email from Discover with a promotional statement saying that if I purchased a {$45.00} XXXX 's XXXX  membership by XX/XX/2020, then I would earn a {$45.00} statement credit back in 3 billing cycles. I had read through all the terms and met them all and proceeded to buy the {$45.00} membership on XX/XX/2020 with my Discover card. I have attached the statement on my discover account and the receipt from XXXX 's XXXX I had not received the promotional credit by XXXX still, so I proceeded to call Discover on XX/XX/XXXX. The first representative I had spoken to could not find the credit on my account but only found the memo that discover sent to me, which is also attached. She said that if I had to received the credit by now, then I do not qualify. I asked her why, and she said she did not know. From there, she escalated the situation to the supervisor, XXXX, who went line by line with me through the promotional statement and ensured that I met each term and condition. He believed that it was because the purchase on my discover card was {$47.00} and not {$45.00}. I said that this was due to sales tax, and he asked me to email him the receipt from XXXX 's club to ensure that this {$2.00} was sales tax. I emailed him and attached the email. He said that he would call me back within XXXX XXXX to follow up, and I never received a follow up call. Since I did not receive a follow up call, I called Discover on XX/XX/XXXX to ask about my credit. In this call, I was ensured that I would be receiving the credit by the XX/XX/XXXX billing cycle. It is currently XX/XX/XXXX, and I still have not received the credit. I called Discover today, XX/XX/XXXX, and the first representative I spoke seemed to not know what she was doing and had me on hold the entire time. She immediately directed it to a supervisor who stated that if I had not received the credit, then my account did not qualify. I asked why, and she said she did not know and there is no specific reason. She then proceeded to tell me that if I was told on XX/XX/XXXX that I did not qualify, then even if I was told on XX/XX/XXXX that I would be getting the credit, it does not matter. I told her that I was never told a direct yes or no if I qualify, only that the supervisor, XXXX, would be following up with me. I told her that I never got a follow up call, and she said that she would look back at the calls to ensure I was told " no '' I would not be getting the {$45.00} statement credit. She gave me the number to directly call a supervisor back in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: FL

Complaint narrative:
On XX/XX/2021, I sent a letter to the credit bureaus about inaccuracies and unknown items on my credit report. I have yet to receive a response, even though it is now the XXXX day. I feel as if I'm being used and that my concerns are being discarded. Failure to investigate these items within 30 days, as specified in Section 611 ( a ), is grounds for immediate removal of those items from my credit report. They should be removed as soon as possible because it has been over 30 days. I demand that these accounts be removed immediately, or I will pursue legal action as a result of the stress you have caused me. My knowledge was also exposed to the Equifax data breach, and it may have ended up in the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: TX

Complaint narrative:
I uploaded my ID and identity theft report too many times and some of the agents keeps saying they received it and some said I have to wait 5 days for processing so Im confused Im just trying to get a fraudulent item blocked on my credit report that it and I hate waiting when all my credit cards are in a jeopardy to be closed down .. and I want to dispute a item from XXXX XXXX account and I have the FTC report and my ID to inclosed

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 2021-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRSTBANK
State: CO

Complaint narrative:
XXXX rented from XXXX for {$150.00} on XXXX and returned for full refund the same day. As of XX/XX/2021, the funds have still not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I received 2 letters from Huntington National Bank confirming that I opened a checking and savings account online on XX/XX/21. I did not open either account and they were both done under my maiden name. I called Huntington Bank to dispute the accounts and they said they will file a claim against them. I also asked if they run new accounts through the 3 credit bureaus because my credit is frozen, the rep said that they do but there would have been no way these accounts were open if that was the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
Hello I received a Reliacard from US Bank that was not requested and I do not have any benefits from the State of Colorado that were requested or that should be coming to me. Someone applied in my name for benefits that are fraudulent request. Please make sure the card is dicontinued and any funds placed in the account returned to sender.

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 2021-05-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Suntrust bank in XXXX Md said I had a credit of {$5000.00} ask where to send i said put in checking, ask do I have to pay this money back she laughed and said no said in 4 days money should be in my account. Have spent about {$900.00}, put {$2000.00} in savings. Last XXXX XX/XX/XXXX person from Presidents office called said all money in my checking and saving they will take, I told her I would as a senior who receive social security and pension be devastated if they took all my money she said today XX/XX/XXXX she will call, spioke to a supervisor who said money will be taken today they have the right

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 2021-05-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I filed a dispute in regards to the inaccurate items on my report & I haven't received any results. 
There has been multiple attempts of someone trying to apply for credit in my name leaving behind inquiries reporting on Equifax and XXXX  and unverifiable accounts on my XXXX  report. I've sent in a few letters and have not been responded to regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Paypal limited my account for 180 days, freezing my funds, currently more than 250 days have passed and I still have not received a response from them to recover my money, I need your help and cooperation to be able to transfer my funds to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr Cooper made 2 unauthorized deductions from my checking account - XX/XX/XXXX {$2800.00} XX/XX/XXXX {$2800.00} and 2 deposits XX/XX/XXXX + {$2800.00} XX/XX/XXXX + {$2800.00} I am not signed up for auto pay and they are not authorized to do this. I paid my mortgage payment XX/XX/XXXX in the amount of {$2800.00}. 

I do not believe the explanation of a " third party '' error. This must be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: MA

Complaint narrative:
How is this possible XXXX? This was removed due to violation on reporting and the opened date is incorrect! Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OR

Complaint narrative:
Due to Covid19 my business took a decline and I was unable to make mortgage payments.

I requested a forbarence and in XX/XX/2021 I was told by telephone to resume my payments and the balance I owed would be deferred. That was not true as I did as I was told =, made a payment and thsn recieved notice of forclosure. I called loan service company and requested another forbarence to figure out what was going on with my loan. 

Meanwhile, in XX/XX/2021 I did recieve a letter requesting I accept a derferment, I called to confirm the letter as my prior experience this was not true. When I called, I was told a modification would be a better option. I filled out the modification application which apparently cancels out the deferal request. 

XX/XX/XXXX I recieved notification that modification was denied and was offered options of short sale or deed in lieu of trust. My intention was to always keep my home. 

I am frustrated by the run around and misinformation, I was told repeatedly and only to recieve a response to leave my home.

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 2021-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My wallet was stolen from the XXXX  on XXXX XXXX sometime onXX/XX/XXXX. I called the bank to cancel my account and credit cards. The following day, AFTER my account was flagged for fraudulent activity, the man who had my wallet was able to withdrawal {$550.00} from my growth account and make purchases from my spend account totaling {$160.00}. This puts my total stolen amount at {$710.00}. I have talked to the branch manager several times, explained that Im a single mom who NEEDS my money, and she was not able to help at all. She gave me the number for her manager and he has ignored my many calls. Because the bank wont give me my money I wasnt able to pay any of my bills or get groceries for my daughter and I. I am begging for someone to help me with this!!! They just keep saying they have to investigate, but the man who stole my wallet has been arrested and is in custody! Why in the world would they still not be able to give me my money! It was their mistake!!! How does someone withdraw funds from an account that has been flagged fraudulent! Please help me to understand.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
Company was trying to collect phantom debt that was already paid years ago and did not attempt to validate debt until a complaint was made to the 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 explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
OnXX/XX/XXXXI transferred XXXX $ from my Kraken account to my XXXX XXXX account and paid a XXXX $ fee to do so. 


I have not received any money in my schwab account, and kraken is doing nothing to resolve the issue. They haven't even responded to the support ticket in 4 days, and they refuse to pick up the phone and talk to me. 

Their support person doesn't even know their own policies and refused to take any action until 5 days passed, even though their own policy states funds should be received in 0-1 days. 

Today is now XX/XX/XXXX. Funds are still missing with no explanation or promise to do anything from Kraken.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: CA

Complaint narrative:
This involved a fraudulent charge made on XXXX for an amount of {$73.00} on my Citi XXXX XXXX credit card ending in XXXX. I saw this and contacted Citi right away ( the very same day ). Interestingly enough, this fraudulent charge happened with a Virtual-Account number that I had generated on Citi 's website for an online purchase. Before I could actually use that temporary number to make that purchase, someone else had. 

My login username was de-activated by Citi the following week alleging " low-level fraud '' pretty much confirming that there was some fraudulent activity on my account. 

Over the course of three weeks following XXXX, I have contacted Citi multiple times and I've been told my numerous customer " service '' reps that I should see a credit on my account in a few business days. Every single one of them lied to me because it's three weeks and I still haven't seen that credit. 

With an average charge-up of XXXX {$1500.00} per month on my end on this credit card, I really don't understand why Citi is jerking me around for {$73.00}.

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 2021-05-03 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: CA

Complaint narrative:
Someone at my old address of 5 years ago committed identity theft and opened a XXXX XXXX under my name. I filed a report at identitytheft.gov and sent the report to all three credit bureaus. The others bureaus deleted the fraud but experian refuses to honor it as it remains on my credit via experian only.

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 2021-05-03 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: WA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX dont have any account nor connection whatsoever with these companies. I have spoken with each company and no one produced any relationships between myself and the companies.

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 2021-05-03 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: CARD Corporation
State: TX

Complaint narrative:
XX/XX/2021 Card.com locked my card for un authorized use because tried to buy XXXX XXXX XXXX using my card it was linked to my phone so i told them that i didn't want that card and was they're any other way to get my remaining balance of my income tax which was {$6900.00} so the customer service agent said that she would send the {$6900.00} in the form of a check i waited 2 weeks and called backed and was told that they dont send checks and that my money was stolen by one of they're temp workers with a XXXX XXXX account ive called numerous of times since then been told its been investigated its been 2 months since card.com employees stole my money from my account and haven't did anything about it i have kids and bills i need my money NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I started a refinance application with Huntington in XX/XX/2021. As part of that application I had to pay {$400.00} towards an appraisal fee. I was told that I would receive a refund/credit of that when I closed. The appraiser that Huntington provided did an extremely poor job XXXX the appraisal took place on XX/XX/2021 ), which resulted in Huntington not fulfilling my request to consolidate my first and second in the refinance. I provided supplemental information ( including a Realtor report with more comparable properties XXXX to Huntington from XX/XX/2021 through XX/XX/2021 that supported a higher appraisal value. Huntington denied my appraisal dispute and I requested a refund for the appraisal amount. Huntington never fully responded to my request for that refund and, I believe, wants me to just go away without providing me a final response. Huntington used deceptive practices with their application process and the use of the appraisal fees. Through the email and verbal communications leading up to XXXX XXXX Huntington was pushing a narrative that the fee would always be provided back to me.

Company response to consumer: Closed with explanation