vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-20 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: MI

Complaint narrative:
CFPB team please review Citibank issued Credit card ( Citi XXXX Anywhere Business Card ) I was recently found out that my credit card transactions were coming up declined and after calling the customer service I found out that Citibank has decided to close my credit card on XX/XX/XXXX It is understood that Citibank has right to close my credit card but with a notice of upcoming closure. They should have given me few days to redeem my rewards that I have legal right to earn as per your terms and conditions across all these years I have had service. In-fact I have payed membership fees for XXXX in the amount of {$120.00} per year and accumulated thousands of dollars of charges on the account for which Citibank has charged credit card fees from each merchant up to 4 % for all my usage. My XXXX annual fees was {$120.00} I paid on that account that has not been refunded. 
I called customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They are not ready to help. 
I have my rights to redeem my rewards back for each one of these cards : Citi XXXX Anywhere Visa Business card XXXX XXXX in Fuel Rewards Cash Back was earned until XX/XX/XXXX. Closing balance for XXXX had accumulated up to {$90.00} Fuel Rewards Cash back. 
I send a letter to Escalation customer service and the citibank via USPS mail on XX/XX/XXXX. There was no response received. I had requested {$90.00} credit on my account + {$170.00} credit sitting on the account for overpayment of funds Citicards pulled from my local XXXX bank. 

It is unjust and unethical for Citibank/Citicards to forfeit my points i collected for past 1 years paying XXXX annual fees to the bank. 
I am looking for a legal decision to be held against Citibank to make these unjust decisions and stealing my benefits. 

Regards, 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 2018-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( {$960.00} ) This ACH was not authorized. I do not have a XXXX   XXXX account. I do not do business with this company. 

XX/XX/XXXX I reported this ACH as unauthorized in writing and within 60 days of the first statement the charge was credited on. 

I contacted USAA to see when I would recieve my funds back and was told I was not allowed a credit. 

More than 10 days has passed and I have not had a credit or anything. 

It appears to me USAA is not following the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Global Recovery Solutions
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX continue to call my cell phone while I was at work. I answer the phone and ask for them to not call during my work hours. The agent rudely stated she will call as many times as she likes, I hung up the phone because I was at work and she called back 7 more times repeatly. That was very stressful because I had to turn off my phone so she would stop calling.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-20 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:
According to my recent credit report request from Transunion, XXXX, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND CREDITOR HAS NO CONTRACT OR AGREEMENT TO HAVE MY PERSONAL INFORMATION PLEASE REMOVE IT XXXX XXXX XXXX Account # XXXX THIS ACCOUNT SAYS I AM 30 DAYS LATE BUT I HAVE NEVER BEEN 30 DAYS LATE PLEASE REMOVE LATE PAYMENT MARK ON XX/XX/2018 2018

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA

Complaint narrative:
I just received another notice from USAA which clearly shows that they have no idea of what they are doing. They are misrepresenting my second payoff check as a request to reapply the amount to my loan. It was the loan payoff check that I was forced to resubmit because their personnel could not read and match the loan number on the original check with their own loan statement payment coupon which was mailed with the original loan payment. A payment they clearly received in time to make an earlier payoff, since they returned that original check to me. Their own rejection form ( all of which has been included with my previous complaints [ # XXXX and # XXXX ] ) falsely claims the payment was rejected for missing/improper loan identification number. Their inability to admit to their own negligence with such messages is becoming a harassment. What is it going to take to straighten these people out?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I never tried to open an account with XXXX, But today while I was setting up my XXXX XXXX account I found two enquires from XXXX on the same day which is on XX/XX/2017 Kindly help me out this issue.

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 2018-12-20 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: CA

Complaint narrative:
According to my recent credit report request from XXXX, XXXX, and Equifax there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND CREDITOR HAS NO CONTRACT OR AGREEMENT TO HAVE MY PERSONAL INFORMATION PLEASE REMOVE IT XXXX XXXX XXXX Account # XXXX THIS ACCOUNT SAYS I AM 30 DAYS LATE BUT I HAVE NEVER BEEN 30 DAYS LATE PLEASE REMOVE LATE PAYMENT MARK ON XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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:
According to my recent credit report request from XXXX, Experian, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX  Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND CREDITOR HAS NO CONTRACT OR AGREEMENT TO HAVE MY PERSONAL INFORMATION PLEASE REMOVE IT XXXX XXXX XXXX  Account # XXXX THIS ACCOUNT SAYS I AM 30 DAYS LATE BUT I HAVE NEVER BEEN 30 DAYS LATE PLEASE REMOVE LATE PAYMENT MARK ONXX/XX/2018

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
After the first term of my Home Equity Loan I reapplied to renew my HEL. On a recent statement I was charged a {$50.00} " Customer Service Fee ''. The last agreement did not have such a fee. As I recall these type of fees were referred to as 'junk fees '. In the not so distant past, such business practices necessitated acts ( intervention ) such as RESPA, a 'How to Behave ' instruction manual for financial institutions. 

Just because you slip it into an agreement does not make it 'reasonable and proper '. It is tantamount to being charged a parking fee every time you take your car in for service. This year, I will have paid close to {$1000.00} in interest for my Secured Loan so it is not as though Citibank is doing me a favor. 

On the topic of " Customer Service '', theirs leaves a lot to be desired. When I have called-once every year or two on  various questions, most of the customer service reps have such heavy accents that it takes a half hour to have a 5 minute conversation. Moreover, if you request to speak to a customer service rep, there is no way of knowing that you are not speaking to a CSR at the next desk. 

After providing them with every piece of personal datum to them, they will not provide a last name. If you request to speak to a ( English speaking ) manager with a direct dial phone number they tell you that the managers do not have a direct dial number (??! ). Since it is unlikely that a customer will ever be able to re-contact any one in customer service there is zero accountability ; hardly the policy of a firm 'committed to customer satisfaction '. 

Notwithstanding any legal double talk about my 15 page loan agreement, I am asking if this is 'reasonable and proper ' and if it was added in recent years to enhance revenue, I want it waived for the term of my HEL.

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 2018-12-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjusters ; Payday loan went into collections, I have reported this as account not mine due to identity theft. 

{$1300.00} XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX 1. This firm pulled my credit report without notifying me or advising me. I did not give my consent to have my credit report reviewed on XX/XX/XXXX XXXX 2. This firm will not remove item from my credit report after giving my police report number and reaching out to the 3 credit bureaus.

3. This account was open fraudulently.

4. This firm continues to call for payment after I advise to not call me, and after have discuses with previous representative that this account is not mine 5. This firm stated they have reached out to fraud group, but when i call they stated they have not received the paper work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I received a link to my XXXX XXXX account. When I looked at my dashboard I see that 4 inquiries were on my report. Only XXXX for my last lease in XX/XX/XXXX was valid. 3 separate inquiries from Equifax Mtg. from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that were not initiated by me and I never saw before. I attempted to call their listed telephone number ( XXXX ) XXXX and he automated system was not helpful and disconnected my call 5 times. 
Frustrated, I looked up your website and seek to have these inquiries flagged and hopefully removed from my report. I have had hard time rebuilding my credit after a prior marriage led me to bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
I just got off the Phone with Select Portfolio, they informed me that the Mortgage account has been referred to an Attorney for foreclosure. Select Portfolio refuses to accept my Loan Modification request as a Servicer in the State of Georgia they are obligated to. 

Also, this is a XXXX XXXX and I never agreed to this with XXXX XXXX. I was paying only {$120.00} to my principle of {$990.00} and rest to investors Select Portfolio and XXXX willfully delayed my Loan Modification till XX/XX/2018, knowing XX/XX/2018 will be the expired date to stop Banks or Loan Servicers to be mandated to provide a Loan Modification. 

XXXX has taking advantage of me by committing the same mortgage scam that got them in trouble during the Real Estate crisis

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I ADVISED EQUIFAX NUMEROUS ( SINCEXX/XX/2016 ) TIMES ALREADY THAT I AM A VICTIM OF IDENTITY THEFT AND THERE OWN DATA BRIEF SENT THEM POLICE REPORTS, MY ID, ALL THE ACCOUNTS THAT ARE FRAUDULENT ON THE EQUIFAX CREDIT FILE, CIRCLED ALL OF THEM AND THEY HAVE REFUSED TO REMOVE THEM FROM MY REPORT AS THE OTHER CREDIT BUREAUS HAVE, AND MY CREDIT SCORE IS BEING AFFECTED AND COSTING ME EMPLOYMENT, LOANS ECT.I DEMAND THAT THESE ITEMS BE REMOVED AT ONCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
The house was foreclosed on I never received ANY NOTIFICATION until a sale date was set I tried to work out a modification the company refused stating that the payments were to far behind they do not do modifications when the foreclosure is so far along. Mind you I WAS NEVER SERVED so I could at no point work out a modification because I was unaware of the foreclosure. I then requested the payoff before the sale I received it from the law firm after the sale and the letter stated the payoff was good until XX/XX/2018 they then sold my home appraised at {$280000.00} for {$100.00} Now they are trying to evict my ex wife and children from the house. 


I have also contacted the Attorney Generals Office regarding this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear CFPB official. 
I opened Citibank account package with the advertised bonus of {$400.00} ( Promo ID : XXXX ; attached ). I opened the account on XX/XX/2018 using Citibank personal banker at the XXXX, XXXX XXXX branch and completed the required deposit ( {$15000.00} ) on XX/XX/2018. I maintained the minimum balance of {$15000.00} for more than 60 calendar days ( XX/XX/2018 ) following the date of the deposit. According to T & Cs, I should have received the bonus within 90 days ( XX/XX/2018 ) of meeting the requirements. However, I didn't receive the bonus. I personally visited the XXXX XXXX XXXX branch and the personal banker told me that he can see that all the requirements were met and I should have received the bonus. Two weeks passed and I didn't received the bonus. I went to branch again, and the personal banker again confirmed that I met the requirements and to resolve it he raised a request with back office and asked me to give it 6 working days. After 6 working days, when I didn't receive the bonus, I went to branch again and the personal banker mentioned that he has forwarded all the details to the branch manager who has the power to resolve the matter and post the bonus within 2 days. That visit was on XX/XX/2018 and I still haven't received the bonus yet. I hope to get this matter resolved as soon as possible. I hope CFPB can help me in this matter. 

Your 's sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION
State: SC

Complaint narrative:
On XX/XX/2018 we realized that someone had stolen checks from our business account and cashed three checks in three different locations. BB & T did not contact us that there was fraud against our account and we would have not known if we didn't check the account religiously. We immediately called BB & T. We were told by customer service that there was nothing that they could do and that we needed to shut the account down and open a new one. I immediately got off the phone with the bank and went to my local branch to close the account. The banker informed us that we could not close the account until the fraudulent transactions where credited back to our account. They were not helpful at all and did not care that we were frustrated that someone stole money from our account and we were not notified by our bank. They just kept saying that we needed to contact the fraud department and work it out. Well, 3 weeks have gone by and we are still missing one credit for the amount of {$270.00} authorized on XX/XX/18. Today on XX/XX/2018 I went back into my local branch in XXXX XXXX, South Carolina to see why our money has not been credited back yet. Keep in mind that the person that stole our checks signed his name and didn't even try to forge a authorized users name. I spoke with the banker who was very rude, rolled her eyes at me several times because of me expressing my frustration and proceed to tell me that there was nothing she could do that we needed to be patient. BB & T has a policy that after 10 business days they stop the investigation. Its been well over 10 days. The banker even asked the fraud department the same question and they said that it takes time and we needed to wait. No one can give us a straight answer as to why its taking so long for the refund. BB & T employees have admitted that this should have already been resolved as the check was clearly signed by a unauthorized user. I think that 3 weeks is plenty of time to figure this case out and should refund our money immediately. We feel that we are being mistreated as customers and just want this issue resolved so that we can close this account.

Company response to consumer: Closed with explanation