vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I had mistakenly set up an automatic Citicard payment through my XXXX bank account ; I discovered the error and on XXXX XXXX, called a CitiCard representative, a XXXX XXXX and requested a refund of {$250.00}, as I had made five {$50.00} payments XX/XX/XXXX through XX/XX/2019. My Citicard account had been closed for several years and I no long had the full 16 digit, as denoted by the XXXX XXXX Online Payment Information Record. Per XXXX XXXX, I was instructed to mail the information to CitiCard Payment Investigation Unit. To date, I have not to date received a formal response and made a subsequent call to a Citicard representative to determine the status of my inquiry. The representative stated the payment investigation unit could not find my credit card account nor my payments. The representative stated he would requestt an additional payment investigation. I can not believe the company can not determine where my funds were placed and that is the reason for my complaint. I will include the information that was submitted to Citicard.

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 2019-10-07 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Through the online payment system with the credit card company/bank, I scheduled and authorized a payment to be withdrawn from my bank account for {$200.00} to occur on XX/XX/XXXX. Instead, the payment amount that was withdrawn from my checking account was for {$1900.00}, which caused an overdraft situation with my bank account and financial distress. I discovered this error today, XX/XX/XXXX, and immediately initiated a " live chat '' with the credit card issuer. I was told that this was their error and they would issue a check to replenish my account for the {$1700.00} difference that I would receive in 2 to 3 weeks. Needless to say, this is causing a hardship for me to not have these funds immediately available to me, as they were budgeted to pay other bills. I asked that the payment be electronically reversed and that the funds be immediately put back into my bank account and was told they did not have the capability for that type of transaction. I then requested that a check be sent to me over-night via XXXX and was told this could not be done for at least 7 to 10 days. This is unacceptable service and has really put a financial burden on me. How can a bank/credit issuer as large as Synchrony Bank not be able to rectify their error via electronic and immediate means? Please help.

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 2019-10-07 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: FL

Complaint narrative:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this 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 non-monetary relief
Consumer complaint received 2019-10-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2019, when I logged into my Bank of America account I was prompted to call to review my account information. I had two credit cards with the grantor. One had a {$6000.00} limit and one had a {$12000.00} limit. I've always paid on time and have good/great credit. Upon calling, I was shuffled around between 5 or 6 different representatives all unable to really confirm what the issue was. They asked me if I was trying to complete a balance transfer. Almost as if saying I was would have led to a different decision. When I said no I was only trying to keep the information current on my account they informed me that " my account was up for review '' and decided to close the {$6000.00} limit account ( which had no balance previously ) and reduce the {$12000.00} limit to {$500.00} ( which had about a {$200.00} balance on it ). When I asked why they said I have alarmingly high credit usage of about 60 % across all of my accounts, which is not true. My overall utilization has never been over 25-30 %. When I asked for proof or other reasoning behind this they essentially told me that they can do what they want and their decision is final. I have been a long-term customer, only with credit accounts, but I guess that wasn't good enough for them. They wanted me to open more accounts and fully tie my finances into their horrible practices. They saw they weren't going to make extra money off of me so decided to drop me.

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 2019-10-07 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian is reporting false claims on my credit report from a consumer name XXXX. I do not know them neither have I signed any contract with that consumer name XXXX. I have sent in a certified letter to the credit bureau Experian. Letting them know that I have a fraud alert on my credit file, and I also have a credit security freeze. Because someone has my information. What the Experian the bureau told me after I have sent certified and notarized letter to them under the federal fair credit reporting act. The customer service representative told me that I do not have to comply by that law, and that they will keep it on my information credit report. I ask them to show me documentation of what the consumer gave them, because ask them to verify it by letter and not by E-verifying because their is a hacker. Who is getting thing in my name from online through the internet only. I do not know they are. I have called and spoken to the consumer of XXXX they told me that they do not have no contract on file between XXXX and I.  Called several times an ask Experian where are they getting their information from the customer service representative told me from XXXX. I call back Bridgecrest again they told me that the Experian must be getting that information from another online bureau who has wrong information on me because they said that they are not sending thing over to the credit bureaus because I DO NOT HAVE A ACCOUNT WITH THEM NOR DO I HAVE A CONTRACT WITH THEM AT ALL. HELP why is the credit bureau Experian reporting inaccurate information on my file making it hard for me to get a better job. I am a active good traveling man who is trying to work and support my family and fraternity worldwide Brotherhood who is active under United Supreme Council, 33 Ancient and Accepted Scottish Rite of Freemasonary, Southern Jurisdiction, United States of America XXXX XXXX Affiliation Grand Orient, XXXX Tennessee, XXXX XXXX Consistory # 38.  Under Sovereign Grand Commander Illustrious XXXX XXXX. I am in distress. Why is Experian allowing this hacker do this to me. Help, Help, Help!

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 2019-10-07 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: FL

Complaint narrative:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this 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 2019-10-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I made a {$330.00} credit card payment from my XXXX XXXX   account to Capital One on XXXX XX/XX/2019. Although Capital One received the full payment, the financial institution refuses use of its line of credit. Representatives from Capital One stated in phone calls on XXXX XX/XX/2019 there was a seven day hold on the payment until XXXX XXXX verified the funds. Twice on XXXX XX/XX/2019, Capital One representatives contacted XXXX XXXX   which confirmed there was a pending payment. 

Capital One placed a seven day payment hold effectively freezing all account activity and subsequently blocking all transfer of funds. Capital One makes decisions to allow payment processing and use of its lines of credit based on its discretion, despite having verified funds from another financial institution. 

I stated to the Capital One representatives that it made no sense to disallow use of credit lines by placing a seven day payment hold. I also stated it made no sense using their services because I couldn't use their credit card. Furthermore, I expressed anger at the fact Capital One had the power to hold funds in suspense without granting privileges even after contacting my financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I was a victim of consumer fraud, in buying tickets to a Football game. I was asked to use Zelle to pay. I was concerned about this, until I read Zelle 's website, which states " Make every day better with Zelle - a fast, safe and easy way to send money in minutes '' Given that this was listed as Safe, I proceeded with the transaction. The tickets never arrived. When I reached out to Zelle I was told that there is no way to Cancel a Zelle transaction. This hardly seems " Safe '' as they had promised.

I looked over their website after the experience, and further found where it said " ith Zelle, you can send and receive money with peace of mind. Safely and easily send money to people you know through your trusted banking app ''.

This seems awfully fraudulent to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: VA

Complaint narrative:
Between XXXX and XX/XX/2019 Selene Finance made a change to their payment portal. Now if you pay XXXX as payment and try to add XXXX as principal it comes to XXXX for the total. If you make the principal XXXX then it comes to XXXX. This is after their system failed for several months preventing the ability to apply any additional payment at all on the principal. 

They sent me a couple letters assuring me they arent skimming the pennies but I dont understand why they dont fix it. I also was seriously upset when I could not pay extra on the principal. But they sure call and harass you starting on the XXXX of the month if they have gotten your payment yet. 

Selene Finance is a terrible servicer and I am so sad that united veterans uses them for mortgage servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX I received a call from my bank of America, and text message stating that my ATM card ending in XXXX had been compromised, and they will be sending out a new card in replacement, I spoke with bank on XXXX of XXXX, I was told that I could use card, till XXXX of upcoming month, in which I asked why, since its compromised why use, so I discarded it..in outside trash in a plastic bag ... 3 days later I received a letter from them stating the card would arrive in 7-10 business days ... during that time frame several transactions were presented, I only disputed those in that time frame, nothing prior ... so chip card may have been found and used during that time frame, after receiving a lretter from Bank of America , that the investigation was closed??? I never spoke to them during the process, they left a fast message and the return callback number, put me into voicemail questions ... whwere I left messages ... on XX/XX/XXXX a Saturday I received a letter stating I was to be charged XXXX dollars, due to the findings ... as in the amount of disputed charges ... they stated a merchant said they deliver product, I requested proof of this delivery, via a signature of receipt ... the bank lady said that was not normal??? they are intending to take XXXX from my account on XX/XX/2019 ... this is not proper, and im disputing..they did not give me any credits for fees I was charged by regular merchants I pay, due to having to change ATM card, and I am out adds XXXX in fees ... please help

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 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK
State: NC

Complaint narrative:
Freedom Debt Relief contacted me and told me I had {$13000.00} worth of credit card debt that they would work with creditors and I would pay only {$6500.00} and it would be listed on my credit report as paid in full and closed by customer.As of now I paid FDR {$4500.00} and XXXX XXXX  there sister Company {$6300.00} and there are 8accounts marked negative charge off on my credit report at all 3 credit Agencies ... I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Good day, Sometime during XX/XX/2019 Freedom Mortgage offered to refinance my mortgage with them from 4.0 to 3.5 %. I agreed to their terms and was told i wouldn't need to pay the month of XXXX because that would be included in the new refinance loan. There were some issues with the documents and i was not able to close out on the loan during XXXX. Once the documents were corrected i was not able to schedule the closing because i was late on my XXXX payment. I was charged a late fee and the missed payment was sent to the credit bureaus. I made the XXXX payment early in XXXX in order to schedule the closing on the new refinance. When scheduling i was told again i didn't have to make the XXXX or XXXX payment and that the first payment will be due in XXXX During closing i was told the same thing yet i received another late fee for 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 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian XX/XX/19 To whom it may concern, Please investigate the following account for the following reason : XXXX XXXX XXXX, Derogatory Mark - I paid on time but I'm being listed as 90 days late - It needs to update to paid as agreed 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 explanation
Consumer complaint received 2019-10-07 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:
On XX/XX/XXXX I received an answer from a XXXX XXXX that my request for reimbursement of {$48000.00} was being denied again. I made two airline reservations with Citibank card on XX/XX/2019, and they reversed one, but would not reverse the other, saying it was not fraud, and therefor I was responsible for it. The letter from this XXXX guy does not make any sense, and is just double talk to not admit quilt on Citibank. This is fraud on their part, and I paid them so not to get interest charges, and bad credit.

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 2019-10-07 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: Aldous & Associates, PLLC
State: CO

Complaint narrative:
I didn't pay a XXXX ( gym membership ) bill years ago. I recieved a notice from a lawer in the mail. I called the gym first, and was advised to pay the amount they needed and it would all be over with. I paid at that point. I still got the calls so i answered one and expalined that the gym told me it was over, I was paid in full. The person on the other end told me that i still owed their law offices. I asked why, and they couldn't say. I then hung up. I have received up to fifty calls from law offices regaurding this XXXX account that I have already paid off. I called back the same manager at XXXX and he told me he would take care of it and unless i heard back from him that I shouldn't worry. I kept getting calls but ignored them because they were just calls ... Then i got an email from XXXX XXXX that said Aldous and Associates is placing this into collection. The XXXX managers have no idea who this law office is, nor do they know why i am still being hasselled about this as I don't owe them anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for an Exxon Mobile Credit Card because I had the rewards card. When I completed the simple application, I immediately was sent a request to call the 800 number. when I called the number the CS rep requests my phone number. I gave it and she asked if I had any Citibank cc. I said no but being that it is a cellphone the number could have been recycled. She told me we can not use your phone number, I asked why and she said I can not reveal that information. I told her that didn't make sense because I answered your questions. She then stated I was declined. 

I told her that was totally biased and credit should not be on the premise of a phone number. Now my credit has gone down and I want them to remove the request as a hard inquiry for being nondescriptive and dismissive about a phone number.

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