vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-20 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: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/2021, I was attempting to purchase airfare on the XXXX XXXX website. As I was about to make my purchase, an ad within the website came up and suggested I apply for a Citi XXXX XXXX XXXX Mastercard. I applied for the card so I could use it immediately on this large XXXX XXXX purchase, and therefore receive the associated benefits. 

I was approved for the card and the prompt after my approval told me that I could use the card immediately with a limit up to {$6000.00}. That prompt also provided my new credit card number, and allowed me to set up online login credentials, which I did. ( I also received an email from citibank confirming I had been approved for the card. ) Even though I followed the steps to setup my online credentials, they did not work and were apparently not yet activated by Citi. 

Unfortunately, when I went to pay for the expensive airline tickets I was not able to use my new card. ( The specific reason I applied for the new card was to make this purchase. ) This is because I had not received the details necessary for the online purchase -- the card expiration date and the card security code -- from Citi. 

I called Citi to ask for help ( XX/XX/2021 ). I correctly answered every security question asked : my SSN, my Citi security word, my address. After explaining my situation, the Citi agent said she could not help me, and that Citi could not do anything for at least 4 days. I explained the above to her ( that I'd applied for the card specifically to make today 's purchase, and that the online message at approval said I had immediate access to {$6000.00} in credit ) and she said Citi could not do anything - to call back in 4 days. At that point, I asked her to just cancel my card ; she said I would need to call back in 4 days in order to cancel my card! 

I believe the XXXX XXXX ads for this credit card should state clearly the card can not be used for an immediate purchase. The fact that the ad pops up when the consumer is in the process of making a purchase, and even citing how the consumer will save {$200.00} from today 's purchase in doing so, is misleading. Also misleading is the response at acceptance stating that the consumer has immediate access to credit. This is simply not true.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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 — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID

Complaint narrative:
In XX/XX/XXXX USAA Federal Savings bank changed the address on a credit card with out our knowledge or verification. They admit they have no proof they contacted us regarding the address change. Upon use of the card in late XX/XX/XXXX, the statements went to wrong address so the card payment went overdue and eventually charged off. After realizing what happened we paid the charges plus penalties and interest and requested USAA remove the account from the credit report. They refused.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-20 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony bank closed of 2 of my Perfect history accounts ... XXXX MasterCard and Paypal MasterCard with absolutely NO warning and perfect payment history with them ... ..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I made payments totaling {$1000.00} on XX/XX/XXXX. My card balance was only about {$500.00}, so I paid more than what I owed. My bank shows the {$1000.00} was removed from my account on XX/XX/XXXX. On XX/XX/XXXX, Chase stated that they will not give me any credit for those payments until XX/XX/XXXX even though they have received the funds. They say this is because a previous payment did not go through because it was mistakenly made from the wrong bank account. I understand not crediting my card until they actually receive the payment, but there is no justification for withholding credit after the money is received. When I spoke to a XXXX at Chase by telephone to fix the problem, she told me it was a new policy and abruptly hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Medical Administrators, Inc
State: CA

Complaint narrative:
In about the end of XXXX or early XXXX, I ordered a Dietary supplement, XXXX, and the online system pushed for addition supplement, XXXX XXXX XXXX, to complete the order. A couple weeks later, the products arrived. If you recall the mail delivery system was very slow before the election. There is no detail instruction along with the shipping. I called and talked to a lady with a XXXX XXXX accent, she said that I can try and have to cancel in 14 days, by XX/XX/XXXX if I'm not satisfied with the product. XX/XX/XXXX I kept that date in mind. 

On XX/XX/XXXX, the company, XXXX XXXX posted a new charge on my account for {$110.00}. I called and talked to their repXXXX on XX/XX/XXXX, I told the gentleman that I'm not satisfied with the products and wish to cancel. He agreed that the dateline is on XX/XX/XXXX and cancelled the subscription, he emailed to me to confirm ( he also tried to persuade me to keep the products by offering a deep discount of 40 % and 60 %, I'm not certain that he offered 80 % also ). { On their cancellation email stated that the order date is XX/XX/XXXX, I can email you the 2 emails separately to confirm this fact }. With further discussion, he said that I don't have to return the remaining product. The products are still sitting on my shelf at home. If he insist that I have to return in 30 days, I would have. Please take note that their rep. sent me a cancellation email. 

Now the company have XXXX XXXX XXXX, a debt collector, try to collect {$150.00} from me. She, XXXX - collector, saying that I passed the cancellation date line of XX/XX/XXXX XXXX ( I believe that is the day I received the products ) = trap # 1. I told her that I called and received the extension to XX/XX/XXXX, she didn't acknowledge that. she said that I didn't return the product within 30 days = trap # 2. The gentleman whom I spoke to when processing the cancellation said that I don't have to return the products at the end of our conversation. they have a tape recording of that, they taped everything. have them show you the recording. 

Additional products had never arrived since it had been cancelled. She threatened that the only way is to pay them. I need your help. I tried to complied with all their rules. I shouldn't be penalized after followed their instructions. 

Sincerely submitted, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
XXXX XXXX XXXX reported this account as delinquent for amount of {$22.00}. This amount was paid in full on XX/XX/2021. The due date was XX/XX/2021. Because of this situation my credit score was affected and decreased by 72 points in Transunion Credit Bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase bank is harrasing me about a transaction that was a result of identity theft. The person who accessed my account made a XXXX transaction of {$500.00}. I called the bank immediately when I noticed the transaction on my bank account and they told me that they would refund me the {$500.00} and also they told me to close the account due to the IDENTIFY THEFT. However, they called me today saying there is a negative balance on the account. This account is closed as requested per the bank. I would like Chase bank to cease and desist all communication methods. Lastly, I also want you to remove the negative balance from the account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: FirstPoint Collection Resources
State: NJ

Complaint narrative:
Several certified and notarized letters with proof of disputes were sent to Firstpoint Collection Resources and to XXXX. Every time the investigation was done it remains even with proof sent that it does not belong to me. The original contract from the health provider that has someone else 's name and no signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Kohl 's, for second time, during the pandemic has reported me as late! Most recently ... XX/XX/XXXX I paid {$200.00} and then XX/XX/XXXX paid {$150.00}. which was for XXXX 's payment. I checked my account and it stated XXXX due. I never received an email or call before it would 30 days late. I received a phone call yesterday XX/XX/XXXX asking why i missed 2 payments????? I had no idea i missed 2 payments. I paid XXXX 's payment EARLY as to not get a late on my credit report.. Looking at my account minimum payment for XXXX was {$27.00}. I paid {$150.00}!!!!!!!!!!!!!!!!!!!!!! on XX/XX/XXXX. EARLY!!!!!! AND XXXX was due XX/XX/XXXX. I received a call yesterday XX/XX/XXXX. I was not 30 days late! Kohl 's has very bad consumer practices and should held accountable! Late payments have profound affects on consumers financial stability and life. This should not be allowed! or tolerated. I will go as far as i can to protect the next consumer from this happening again!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Our complaint is a Predatory Loan ; XXXX we asked Bank of America for a line of credit and they gave us a HELOC loan in the amount of {$84000.00} which was interest only. We went back to Bank of America to see about a separate {$50000.00} equity loan for a business start up for our XXXX. 

XX/XX/XXXX Bank of America sent out their own appraiser and appraised the home at {$460000.00}. To this date the home is still not worth this amount. In XXXX we merged the two loans together, due to the recession and as our XXXX fell behind on his individual loan payments. The next 10 years XXXX  had us on an interest only payment plan which was not clearly explained to us. After the 10 years the payments went from {$290.00} ( interest only ) a month to {$770.00} at 4.625 % principle and interest. At that time, we were threatened with foreclosure due to getting behind with the new monthly amount due. 

After 17 years, we owe more on the loan that what we took out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: NJ

Complaint narrative:
Several certified and notarized letters with proof of disputes were sent to XXXX XXXX XXXX and to Equifax. Every time the investigation was done it remains even with proof sent that it does not belong to me. The original contract from the health provider that has someone else 's name and no signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
I received a letter from ERC stating that I had a debt with XXXX. Says I owe XXXX and they can settle for half that amount. I have never had service with either of those companies. I have tried calling XXXX but was on hold for hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: TX

Complaint narrative:
I am writing to inform you that I've been a victim of identity theft and attached is my identity theft report. I even contacted all the original creditors department and they cant even find my social security number in there System. I demand these accounts be blocked and delete in 15 days or I will contact my attorney General office and file a suit against you.. I have contacted my local police authority to assist me with finding who is behind this. This is a real nightmare, I have been dealing with debt collectors harassing me about accounts I have no knowledge of nor consent opening. Im tired of Transunion sending me automated letters verifying these fraudulent account. I even have a repo on my credit report, which never happen to me. I have contacted Transunion and even the debt collectors to get this issue resolved several times and all they send is a automated answer saying they verified it, yet the furnishes don't even have my social security number and there database. I know my rights are being violated. Im a XXXX percent permanent and total XXXX vet who is crying out for 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 2021-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Hi. My name is XXXX XXXX. I have had my Amex for over a year. I am reaching out because I submitted a request for a credit limit increase. Everytime I want to apply for a new card or increase, I have to submit a complaint because when I do it online or call it, it isn't done and someone from the executive team always has to reach out to me. I am just wanting a credit limit increase. That is all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed XXXX XXXX charge off on my Experian report. I have disputed this countless times and the dates change and is inconsistent. All our personal data was breached by the lack of security of experian. We have disputed this charge off for years and there is misrepresentation by XXXX XXXX and XXXX. We placed a fraud alert right away when we noticed charges and experien and XXXX XXXX are still not doing their part and making this right! You would believe that the largest credit reporting agency would be above all others in ethics and practice ; however, not experian. The charge off should have been removed as the other ones have been removed. The victim should never continue to be victimized. Its contrary to the law and humanity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I was told that I had to call the Credit bureau about this problem cause the company couldnt help 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 2021-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
On XX/XX/21 I made 2 principal payments XXXX and XXXX in order to pay off the note. I was contacted by MR Cooper ( XXXX XXXX ) that I can not pay of the note this was and that the payment would be held against escrow ( which I do not have an escrow account with them ) She told me to do a web payoff request and wire transfer the monies to Mr. Cooper. I did this on XX/XX/21 in the amount of XXXX. I have screen shots of the web site and a copy of a letter of congratulations letter from Mr. Cooper dated XX/XX/21. after a couple weeks with no communication, I contacted Mr. Cooper to inquire as to the time for lien release via web site correspondence ( I have screen shots of this ) and they said about 60 days was required. I received 2 phone calls from XXXX XXXX from Mr. Cooper XXXX & XX/XX/21 voice messages claiming a stop payment of the payoff from XXXX XXXX XXXX. The money was sent via wire transfer and IS NOT STOPPABLE!!!! I have been in contact or attempted contact with many " coopers '' including multiple times with managers " XXXX '' and XXXX XXXX and several other employees including XXXX XXXX who had a payoff quote that was for XXXX that included more fees and interest on a note I had actually paid off, including a notation of an unapplied credit of XXXX. Mr. Cooper had sent me a check for XXXX dated XX/XX/21, which I was told by XXXX XXXX to cash. I attempted to do so on XX/XX/21 and Mr. Cooper had issued a stop payment! As of XX/XX/21, Mr. Cooper will not take any of my calls, will not answer e-mails and they will not give me contact information for the payment center in XXXX XXXX. It has been 6 weeks since I paid this loan off and we have received nothing but another payment do notice! I have spent many hours trying to rectify this situation but it seems that Mr. Cooper will not correct the accounting that I have requested for weeks and will not allow me to pay off my mortgage! I am seeking legal console next week as well as Mr. cooper seems content to ignore my pleas and continue to charge me fee and interest on a note I paid off 6 weeks ago. I am exasperated and I am in need of help from someone with the clout to make them at least fix THEIR XXXX and let me part ways with their sorry company! I am hoping there is an upload to come so I can give you copies of my corroborating correspondence. PLEASE HELP! XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
lack of accommodations for dual XXXX XXXX  Title 22 CFR 51.1 and 51.2, 31 CFR 800.224, 31 CFR 800.253 - U.S. national. 12 CFR 1002.2 XXXX r ) ( z XXXX See attached credit discrimination letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing to make a formal complaint against Capital One Bank for contacting me in a manner they knew not to be acceptable in protecting my privacy and failing to document the evidence that this took place. 

I have a credit card account with Capital One and until recently it was in good standing, but due to my financial stress due to the pandemic, I could no longer afford to make payments. In XXXX of XXXX I had written a letter to Capital One ( below ) : " I am writing to inform you that due to my current situation I am unable to continue to make payments on my account. I am a full-time student and am not working at this time and during this pandemic, I do not foresee my situation changing. Please do not sell or transfer any of my personal information or data to another party. You may contact me by mail or email, but I do not wish to be contacted by any other means. '' I later confirmed that this letter was received by Capital One and that they had made adjustments to their system to comply with my request. 

On XX/XX/XXXX, XXXX, XXXX and XXXX XXXX, despite my request, I received automated voicemails fromXXXX at Capital One. All the voicemails had the same ( prerecorded ) content : Hi this is XXXX from Capital One weve been trying to reach you about an important personal business matter. Please return the call at XXXX, again the number to reach us at Capital One is XXXX, thank you. 

It is my experience that dealing with banks is intimidating and stressful, so I reached out to my brother-in-law to help navigate the process. On XX/XX/XXXX we called Capital One to see what the status of my account was and if there were any reasonable options for me. We inquired about the voicemails and both an account manager and a Sr. account manager claim not to have ANY record of them taking place. 

So, not only did they ignore my request ( ensuring my privacy ), they either erased or failed to document their communications with me. This type of deceptive and negligent behavior is the reason people no longer trust financial institutions. If I cant trust them to follow their own procedures or not hide their records how can I trust the amount they claim I owe?

Company response to consumer: Closed with explanation