vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: TX

Complaint narrative:
The account had two pending promotional offers in XX/XX/2020. 
The promotion with the higher balance ( {$890.00} ) was set to expire in XX/XX/2020. 
The promotion with the lower balance ( {$500.00} ) is set to expire in XX/XX/2020. 
All payments made prior to XX/XX/2020 were applied to the promotion with the lower balance and later expiration date instead of the promotion expiring soonest. 
We contacted Best Buy/ Citi credit card to find out why this occurred and was told they would apply past payments to the higher balance with the sooner expiration date. 

At the end of the statement cycle in XX/XX/2020, the balance subject to interest was {$0.00}. 
At the end of the statement cycle in XX/XX/2020, the balance subject to interest reflected {$370.00}. The prior statement balance was {$570.00}. The new balance was now {$1200.00}. Interest has been applied each month starting in XX/XX/2020. 

We have contacted Best Buy/ Citi credit card on 4 separate occasions about this and there still there has not been a fair resolution. To date, only {$28.00} in interest has been credited to the account. Best Buy/ Citi credit card alleges there have been purchases that equal the {$370.00} that magically appeared on the XX/XX/2020 statement. The only purchase amounts subject to interest are a {$3.00} purchase in XX/XX/2020, {$54.00} in XX/XX/2020, and a {$40.00} balance transfer fee in XX/XX/2020. 

The balance at the end of XX/XX/2020 reflected {$940.00} and higher, grossly overstated balances have been reported to the credit bureaus over the past couple of months. 

The current balance should be well below the remaining promotional balance of {$500.00}. 

Please correct this before the next promotion balance is set to expire in XX/XX/2020.

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 2020-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
At one point in 2019 I went to XXXX XXXX XXXX XXXX in XXXX XXXX, And despite having insurance and filling out the financial aid form while in the hospital but somehow it was missed placed XXXX someone dollars got turned over to the united collection bureau I have since written the hospital cleared up the matter I have a letter from the hospital saying that I have a XXXX balance disputed this with both the credit reporting agency and the debt collector, Further this particular collection agency violating my civil rights under the Hyppa laws illegally having access to my medical records and giving me no indication what kind of storage practices they keep for keeping that information safe for all I know it could be up on the company bulletin board and I never released the hospital to give my medical records to the collection agency so you guys are my last attempt before I go to court and sue the hospital the collection agent as well as the credit reporting agency for continuing to report false information anfurther this particular collection agency violating my civil rights under the Hyppa laws by illegally having access to my medical records and giving me no indication what kind of storage practices they keep for keeping that information safe for all I know it could be up on the company bulletin board and I never released the hospital to give my medical records to the collection agents so you guys are my last attempt before I go to court and sue the hospital the collection agent as well as the credit reporting agency for  continuing to report false information and refusing to give any copies of what the collection agent reported, this has had a negative effect on my credit and caused me mental anguish that persons who shouldnt have my medical information do, and these people of low moral standards wont remove false information even provided with proof. It is unacceptable that a credit agency which is merely take the word of a collection agent when I have proof and it is even more unacceptable that a collection agent has my medical records in violation of HIPAA laws ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: NC

Complaint narrative:
I recently received a letter from XXXX and Trans Union for the third time asking me to contact the credit grantors to discuss this matter of me being a victim of identity theft and these fraudulent accounts not belonging to me. I'm filing a complaint because I previously sent the original credit grantors and collectors letters letting them know that I was a victim of identity theft. But yet XXXX  has deleted many accounts but yet they still have a bankruptcy to a address that I never lived at.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2019 I received a notice in the mail from XXXX XXXX XXXX XXXX a debt collection company and they are attempting to collect a false debt. XXXX admits to being a third party, and I never gave them consent to have my location information. My consumer rights have been violated and I demand to receive remedy for each of the cited violations. There are a total of six ( 6 ) violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I cantadd my pnc bank account to my XXXX XXXX XXXX account. I need to link them together in order to pay my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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:
My information was exposed in a data breach and I have accounts listed on my credit report that does not belong to me. I've followed all the steps the FTC instructed me to do but the credit bureau refused to remove the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I had an active pay pal that I would purchase and pay on my account.. never thought anything of it. On XX/XX/2019 I received a text message from PayPal that my account was having issues with fraudulent purchases. I called on it at first. They said they would be working with me together. I would hear from a department about my account.the next day I went down to our local sheriffs department filed a fraud complaint. I thought ok it was ok. Never heard back from PayPal XXXX They changed my account number.. I still made attempts to pay this in now XXXX. I was late plus in the hospital. Trying to figure out what the heck is going on. Then PayPal took out of my account double the amount allowed from what I agreed to. My bank had to step in. I called PayPal at this point multiple times.. now getting the run around. Was hung up on by one worker lied to by another. No one wanted to help me see what is going on with my account. I asked for a full print out of my account was told they couldnt do that.. had a couple other issues of pay pal trying to go into my account with our permission in XXXX my husband who works in corrections had enough of the issues coming from the fall outs of PayPal so did our credit union. I had to close my account down that I had for over 15 years.. this then caused a huge mess with all our direct deposits. I have freezed my credit so no one can run it. I am a XXXX year old woman not a young male buying razor video games online. This so far is what PayPal would only tell us.. my credit score has dropped horribly because of this. I work really hard at my credit. This bill is raising by leaps and bounds.. this needs to stop!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
XX/XX/XXXX Disbursement to school {$3100.00} Total Current Balance : {$4700.00} Numerous attempts to seek forgiveness and discharge Attended school for 3 weeks but have to remove myself from the curriculum due to family emergency. 
Went through proper procedure to exit out and approved to do so I have never received a check nor put my signature on one!! 
Never received a check for remaining balance nor cashed a check School kept the money School total disregard to return remaining funds for XXXX quarter Had me believe that I would not owe anything because I did a proper exit out due to reasoning. 
Has negativity been affecting my credit since XXXX There only options are : School Closure Discharge Loan discharge due to school closure XXXX XXXX XXXX XXXX XXXX XXXX discharge due to a XXXX Public Service Forgiveness see below for more details Teacher Loan Forgiveness see below for more details And more : Loan Discharge Loan Discharge Application : School Closure Loan Discharge Application : Unpaid Refund Loan Discharge Application : False Certification ( Ability to Benefit ) Loan Discharge Application : False Certification ( Disqualifying Status ) Loan Discharge Application : False Certification ( Unauthorized Signature/Payment ) Bankruptcy : Ch XXXX - First Meeting of Creditors Letter *** I filed for bankruptcy in XXXX and it XXXX in XXXX Ch XXXX - First Meeting of Creditors Letter *******AND DEALTH!!!! ****** Navient, one of the nations largest student loan servicers, has settled a student loan forgiveness lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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:
My information was exposed in a data breach and I have accounts listed on my credit report that does not belong to me. I've followed all the steps the FTC instructed me to do but the credit bureau refused to remove the accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2018 my bill for XXXX dollars did not go through when it was an auto-bill. I reached out to the company and they said they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Trying to control an Equifax credit freeze. 

Equifax 's online account continually fails to allow logins, problem has persisted for more than a week. Website does not give reasons for the error. 

Website does not let me unfreeze my credit report. Phone validation takes far too long and does not work. They want my documentation faxed or mailed, which is wildly insecure or prohibitive in COVID lockdown. 

Therefore, Equifax are failing to provide me with an appropriate credit freeze service, and are limiting use of the service through artificial barriers. 

This is completely unacceptable when the other agencies have their XXXX together and can have my freeze handled in seconds. This is rank website and security incompetence. Equifax let me place a freeze, let me unfreeze it. 

Most recent interaction was XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: VA

Complaint narrative:
I purchased an airline ticket ( XXXX ) via an online travely agency XXXX XXXX XXXX. Now due to the Covid-19, my airliine cancelled the flight. I tried for a month to approach the travel agency and the airline. But no one respeonded back to me to resolve the matter. As a result, I tried to file a dispute with my credit card company ( Citi Master Card ). After submitting all proofs on how my flight was cancelled & How the tranvel agency issued me bogus vouchers, Citi Master Card blatently denied my cliam with a response " that they need a proof of cancellation to reverse the credit ''. The travel agency issued me bogus travel vouchers that are not good. Now I have lost the money as Citi refused refund me the funds. Citi Master card is abetting this travel agency in commiting fraud. 

My flight was cancelled by the airline & the I never recieved my funds back. My Credit Card company is supporting a Fraud business to draw unauthorised funds from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
I have filed a dispute in regards to the erroneously reported items/incorrect items that should not be on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: CITIBANK, N.A.
State: DC

Complaint narrative:
I have filed a dispute in regards to the erroneously reported items/incorrect items that should not be on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: STERLING JEWELERS, INC.
State: DC

Complaint narrative:
I have filed disputes based upon erroneous/incorrect items on my credit report so that those items can be removed. It has been well over 30 days and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Offer : XX/XX/XXXX I received a special offer from Chase : Receive your {$1000.00} welcome bonus when you follow a link to open a Chase Sapphire Banking account which expires on XX/XX/XXXX. Ramifications of the offer included within 45 calendar days, transfer {$75000.00} or more in new qualifying money to a combination of eligible checking, savings or investment accounts ( INCLUDING THE YOU INVESTMENT BROKERAGE ACCOUNT ) and maintain that balance for at least 90 days. 
Steps I took : During the week of XX/XX/XXXX I followed my special offer link to open the account. 
On XX/XX/XXXX I deposited {$75000.00} of outside money into my new Chase sapphire checking account. On XX/XX/XXXX, I transferred {$74000.00} of that money into a Chase You Investment Brokerage account ( which is one of the eligible accounts required to maintain my balance for 90 days in order to achieve the {$1000.00} bonus. Since that time to this date on XX/XX/XXXX ( well over 90 days ),  Chase has still not provided me with the {$1000.00} sign up bonus. 
Steps I took to rectify the situation with Chase representatives : On XX/XX/XXXX - I sent my first inquiry to Chase via the online help message portal checking on the account sign up bonus that was well overdue and not yet deposited in my account. They responded this was a matter requiring the expertise of the customer service department with a phone number to call Later that week ( after the XX/XX/XXXX message ) I tried calling the customer service phone number, but was met with no support. The representatives could not help rectify the situation despite me walking me through the steps of the sign up bonus I fulfilled. They requested a confirmation email of hitting the bonus which I never received. They were unable to help and the phone call ended up dropping on Chases end. I later spoke with two more representatives who were also unable to help and had phone calls dropped unable to help rectify the situation. 
During the week of XX/XX/XXXX, I spoke with XXXX XXXX, a branch manager of the XXXX XXXX location hoping this approach would work. She spoke with her manager and they agreed I achieved the merits of the offer, but because I didnt sign up with them in branch ( I signed up online ), they could not help rectify the situation because their branch would lose money from fixing the situation. 
During the following week of XX/XX/XXXX, I spoke with another representative from the Chase Sapphire banking line who needed his supervisor to call me back to help rectify the situation. He mentioned the supervisor would call me within two weeks it has now been over 1 month. 
Apparently Chase representatives claim they cant track proof of me clicking on the link for the special offer even though I followed all steps aligned with my special offer email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: COMMUNITY CHOICE FINANCIAL, INC.
State: DC

Complaint narrative:
I have filed disputes based upon erroneous/incorrect items on my credit report so that those items can be removed. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX Disbursement to XXXX {$3100.00} Total Current Balance : {$4700.00} Numerous attempts to seek forgiveness and discharge Attended XXXX for 3 weeks but have to remove myself from the curriculum due to family emergency. 
Went through proper procedure to exit out and approved to do so I have never received a check nor put my signature on one!! 
Never received a check for remaining balance nor cashed a check School kept the money School total disregard to return remaining funds for 1 quarter Had me believe that I would not owe anything because I did a proper exit out due to reasoning. 
Has negativity been affecting my credit since XXXX There only options are : School Closure Discharge Loan discharge due to school closure Total and Permanent Disability Discharge Loan discharge due to a disability Public Service Forgiveness see below for more details Teacher Loan Forgiveness see below for more details And more : Loan Discharge Loan Discharge Application : School Closure Loan Discharge Application : Unpaid Refund Loan Discharge Application : False Certification ( Ability to Benefit ) Loan Discharge Application : False Certification ( Disqualifying Status ) Loan Discharge Application : False Certification ( Unauthorized Signature/Payment ) Bankruptcy : Ch XXXX - First Meeting of Creditors Letter XXXX I filed for bankruptcy in XXXX and it discharged in XXXX Ch XXXX - First Meeting of Creditors Letter XXXX*AND DEALTH!!!! XXXX XXXX, one of the nations largest student loan servicers, has settled a student loan forgiveness lawsuit.

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