vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: CO

Complaint narrative:
On XX/XX/2019 I applied for a small loan and was approved for {$920.00}. I was told there was an option for 18 payments and that my starting payments would be for {$260.00} twice a month on my paydays. I thought this seemed high but figured I misunderstood and agreed. I was never told that the yearly interest on my loan will be 633.72 % until I got my signed agreement in an email. I'm stuck in a desparate situation to pay my rent, but I am hoping to find another solution so I can cancel this loan before the deadline on XX/XX/XXXX, but I don't think will happen and I will be forced to pay a total of {$4700.00} for a {$920.00} loan. This seems illegal so I am also looking into this further.

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 2019-07-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Company name XXXX XXXX XXXX for the amount of XXXX as of XX/XX/XXXX company no longer in service and it still appears on my credit report, XXXX XXXX XXXX  closed as of XX/XX/XXXX this company does not serve people residing in the NY state area I also have reported capital one bank which is still appearing on my report I have no business with them and they were previously removed from my report and it is on my report once again XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 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: IL

Complaint narrative:
I opened my Citi checking account with the following offer in XXXX in my local XXXX branch : To qualify for a {$400.00} cash bonus, open a new consumer checking account in The Citibank Account Package by XX/XX/XXXX. 
Within 30 days from the date you opened your new checking account, deposit {$15000.00} or more in new-to-Citibank funds into your new checking account or new or existing Citibank Savings Plus account. 
A minimum balance of {$15000.00} is required to be maintained in the new checking account or new or existing Citibank Savings Plus Account, for 30 consecutive calendar days following the date you made your qualifying deposit. 
The cash bonus will be credited to your new checking account within 90 calendar days from the date when you completed all offer requirements. 

I fulfilled all the requirement but did not see the bonus posted. I contacted my local branch in early XXXX and was told to contact the customer service number on the back of the debit card. I contacted the customer service number and also sent a message on the Citi website and was told to contact local branch. This back and force happened several times and this problem has never been resolved. 

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 2019-07-03 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: FL

Complaint narrative:
Accounts are showing wrong information. I previously contacted the credit bureau. These accounts are showing the incorrect Account balances & account status. 


XXXX XXXX - XXXX 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 2019-07-03 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: FL

Complaint narrative:
A account is still showing incorrect status & account balance on my credit profile after contacting the credit bureau. 

XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-07-03 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Credit Bureaus keep on saying that the item displayed on my credit report are correct!! The accounts are not a charge off, they were paid off and were not late! I could not believe they did a full investigation on the accounts because they are incorrect!! I asked them for detailed response as to how the investigation went but they provided an XXXX XXXX verification.. Please remove the account asap XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: FIRST NATIONAL BANK OF OMAHA
State: HI

Complaint narrative:
I was charged {$4900.00} on XX/XX/XXXX by XXXX, XXXX. In my dealings with this company I did not receive any services. The company was an absolute scam and will not respond back to any email/calls. Also have been shutdown by the FTC. XXXX XXXX agreed to settle FTC charges that it helped deceive consumers with false claims that they could earn six figures within 90 days. The defendant in the case, XXXX XXXX, allegedly helped operate the coaching scheme, which did business under the name XXXX XXXX. The final order bans XXXX from selling business coaching programs and investment opportunities. In addition to the false claims about how much money people could earn, XXXX XXXX falsely promised to provide individualized coaching from successful marketers, who in fact were just salespeople selling costlier membership levels, according to the FTC. The FTC alleges that most people never earned the promised income and that consumers lost tens of millions of dollars to the scheme, including some individuals who lost more than {$50000.00}. 

Update as of XX/XX/XXXX 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 2019-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I did not authorize New Rez LLC making an inquiry on my be half or gave them permission. I did not make any inquiries to give any permission to use my information for a new mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called Citi bank today and wanted to ask for whether if {$500.00} checking + savings account promotion bonus will be disbursed. I have met all of the required steps to be qualified for the {$500.00} bonus but the call representative said I needed a " promo code '' for the offer from 3 months back. Mind you, there was no " promo code '' specified anywhere in their terms and condition page and the only way to apply for the bonus was by clicking " apply now '' button back then. This is completely unprofessional on citi 's part as they refused to recognize the existence of the promotion even though I have fully satisfy the conditions. This call happened today on XX/XX/19 at 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 2019-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a Citi Shop Your Way Sears Mastercard. It is a general purpose credit card specifically tailored to Sears. 

I cancelled a Sears protection plan back in XXXX and I was supposed to receive a refund of {$1200.00} plus tax. I followed up today, XX/XX/2019, after I had still not received the refund check promised only to find out that the refund had been issued to my Shop Your Way card on XX/XX/2019 without my knowledge and with no notice. What is more, during this time ( or recently ) my card apparently was issued a new card number, but no one notified me or even sent me a new card. So I had to sort through that confusion as well. I still do not have a card with the new card number. 

My card had a {$0.00} balance so my money has just been sitting there with a negative balance this entire time ( earning interest no doubt ). It is, I believe, standard practice to eventually cut a check when there is a negative balance on a card for a prolonged period of time ( especially a large balance such as this one ). However, it is clear that there was no plan on the part of Citi/Sears to do this. ( Incidentally, my refund was reduced by {$89.00} plus tax for a home visit to service my refrigerator ; however, this was incorrectly charged, as the visit was covered under the regular 1 year manufacturer 's warranty - Now waiting on Sears to refund this as well, which I presume will also go to my credit card ). 

I have called the card 's customer service phone number three times today at different times. I have held for very long periods of time, and still no answer. 

The final straw is the message I received in the " secure message center '' following my message sent earlier today, in which I requested to receive my funds immediately. The message reads as follows : We received your recent inquiry regarding your account. We are unable to issue a refund at this time. A credit has been issues for an item in dispute. If the dispute is resolved in your favor, then a refund will be processed at that time. Please let us know if we can be of further assistance. 

Obviously, this reply is completely unresponsive to the matter at hand. Since no one answers the phone, I have decided to allow the CFPB the opportunity to issue a directive to one of the major banking institutions in our country, requiring it to be responsive to clients. It needs to have customer service agents who will answer the phones, and it must send clients the money they are entitled to. 

Awaiting your action and reply. 

Sincerely, 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 2019-07-03 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: FL

Complaint narrative:
These four accounts are display the incorrect status and account balances on my credit profile. I have contacted the credit bureau several times. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX DEPT OF EDUCATIONXXXX - XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.A.Rogers, Inc.
State: VA

Complaint narrative:
I owed HUD XXXX XXXX XXXX ( XXXX ext. XXXX ) over {$2500.00} in debt. On XX/XX/2019, I settled with RA Rogers INC. ( XXXX ) and paid around {$2200.00} in total, in which HUD XXXX XXXX XXXX agreed to the settlement. According to RA Rogers, it would take around 30 business days from the date to be updated to the credit bureau and they would informed HUD XXXX that I'll paid the debt. As of XX/XX/2019, the account is shown still not paid off. I called XXXX several times, including today, XX/XX/2019, and they NEVER returned my phone call. In additional, according to XXXX XXXX   call center representative, they confirmed that RA Rogers INC have informed that I've paid my debt to them. Because of this, I've been denied of a couple of things that are crucial to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There was nothing to explain further. I have been sending letters for months now and I have repeated myself over and over again.. The accounts are not mine, they were not proven as my responsibility, delete the accounts XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These four accounts are display the incorrect status and account balances on my credit profile. I have contacted the credit bureau several times. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX DEPT OF EDUCATION/XXXX  - XXXX XXXX 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 2019-07-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These four accounts are display the incorrect status and account balances on my credit profile. I have contacted the credit bureau several times. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX DEPT OF EDUCATION/XXXX  - XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have submitted the required short sale packet to the required email address over the minimum 30 day submittal requirements and OCWEN has had me resend it to two additional departments during that time period. My sale date is coming and I still don't have any answers or hope in site of the sale date being postponed for file review. I have been told it takes 30 days to review and to be assigned a rep to handle my account. It has been over 30 days and still no new info on a rep being assigned to my account. I would like the sale date to be postponed so I can avoid a foreclosure and continue with the short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted the credit bureau about these two same exact accounts that are on my credit profile that are showing incorrect account balances and status. 

XXXX - XXXX XXXX  - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: HI

Complaint narrative:
I was charged {$6500.00} on XX/XX/17 by XXXX, XXXX. In my dealings with this company I did not receive any services. The company was an absolute scam and will not respond back to any email/calls. Also have been shutdown by the FTC. XXXX XXXX agreed to settle FTC charges that it helped deceive consumers with false claims that they could earn six figures within 90 days. The defendant in the case, XXXX XXXX, allegedly helped operate the coaching scheme, which did business under the name XXXX XXXX. The final order bans XXXX from selling business coaching programs and investment opportunities. In addition to the false claims about how much money people could earn, XXXX XXXX falsely promised to provide individualized coaching from successful marketers, who in fact were just salespeople selling costlier membership levels, according to the FTC. The FTC alleges that most people never earned the promised income and that consumers lost tens of millions of dollars to the scheme, including some individuals who lost more than {$50000.00}.

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 explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am going thru a Family Hardship causing my house to fall into foreclosure. I decided to withdraw funds from my XXXX XXXX 401K Retirement plan to avoid to loose my roof. XXXX XXXX issued the tranfer via " ELECTRONIC FUNDS TRANSFER ( AFT ). XXXX   Issued tranfer on XX/XX/2019 by " electronic check number # XXXX for the amount of {$11000.00} ( Before taxes ) for the 2019. The Net amount to be deposited into my JP MORGAN DIRECT DEPOSIT ACCOUNT ENDING IN # XXXX WAS $ XXXXnet. ( after taxes ). On XX/XX/2019 started the transfer process. Approximately by XX/XX/2019 ( the 3rd business day the {$8200.00} funds were supposted to be in my direct deposit JP Morgan account ending in # XXXX. XXXX XXXX did an error by depositing the funds into a " INCORRECT CLOSED UNKNOWN ACCOUNT IN JP MORGAN ''. I opened a claim # XXXXwith JP MORGAN. I requested JP morgan to reverse the funds inmmediatly to XXXX, so they can issue a new check to send us asap. or to deposited the funds to my correct account ending # XXXX. JPMorgan said they cant reverse funds unless XXXX  send JPM a letter of Indemnity.  but XXXX dont do this letter. Its been 30 days that ChaseJPMorgan continue to keep our funds and not release them that causes us multiple overdraft charges, cancelling our car insurance, missed out deadline to pay our Mortgage to avoid foreclouse, didnt pay our car payment etc. On XX/XX/2019 I scalated this complaint to JP MORGAN ARIZONA COMPLAINT DEPARTMENT. because Chase JPM already closed the case without letting us know or without given us a solution or an answer. ( we didnt know ). I got a call from ARIZONA COMPLAINT DEPT week of XX/XX/2019 by XXXX XXXX with no solution but to wait. On XX/XX/2019 I decided to write an email to her boss Ms XXXX XXXX XXXX to scaled the my claim to have my voice heard. i send her via email, proof of bank statements with overdraft fees, proof of car isurance cancellation, crying out im loosing my roof etc. On XX/XX/XXXX, also XXXXXXXX XXXX  and i did a 3x way calling with XXXX XXXX and she said that this call was sccaled to her boss that due to this letter it was scaled to the executives Of chase Jp Morgan and i have to keep waiting. its been 30 days that JP MORGAN CHASE IS KEEPING MY FUNDS. all they have to do is to " reject the transaction " so XXXX XXXX can mail us a new check to us next day delivery. Chase dont want to realease the funds with no reason? Please help. im loosing my family roof ... .. 

Note : I contacted today againTODAY XX/XX/2019 with XXXX XXXX. They adviced me that on XX/XX/XXXX, XXXX  did a request to JPMORGAN to " Reverse the funds to be sent it to the appropiate account holder ( Me ) " attempt was " EFT REVERSAL WAS MADE '' IT WAS NOT SUCCESSFUL.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-03 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: FL

Complaint narrative:
I have contacted the credit bureau many times about these four accounts that are still showing incorrect status & account balances. one account is on my credit profile twice with different balance & status. 


XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX   XXXX - XXXX XXXX XXXX XXXXXXXX - 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 non-monetary relief
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: NC

Complaint narrative:
XXXX of XXXX  my identity was stolen since that time several fraudulent accounts have been opened .... this account from XXXX XXXX is one of them and they are trying to collect on a debt that I did not create acct # 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 2019-07-03 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax keep on saying that the item displayed on my credit report are correct!! The account is not a charge off, it's a government funded loan.. I could not believe they did a full investigation on the accounts because they are incorrect!! I asked them for detailed response as to how the investigation went but they provided an XXXX XXXX verification.. Please remove the account asap XXXXXXXX XXXX XXXX****

Company response to consumer: Closed with explanation