vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-08 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: VA

Complaint narrative:
Citibank ( Citigroup , Inc. ) unilaterally cancelled my DoubleCash credit card account without notice on XX/XX/XXXX. I paid my balance in full each month. My XXXX   credit score is XXXX. I had accumulated {$380.00} in Cash Rewards at the time Citi cancelled my card. Citi has now denied my ability to redeem the Cash Rewards I've earned by virtue of using the card. 

On XX/XX/XXXX, I opened my account. In XXXX and XXXX alone, I charged over {$42000.00} to the Double Cash card. I paid this amount off in full. My XX/XX/XXXX statement shows a balance of {$96.00}. However, on XX/XX/XXXX, Citibank informed me that my account was being cancelled due to a returned check fee in XX/XX/XXXX. 

I switched checking accounts in XX/XX/XXXX. On XX/XX/XXXX, Citi attempted to make a {$130.00} autopayment from my prior, closed XXXX XXXX account. This resulted in a returned payment from the account and a {$25.00} fee. On XX/XX/XXXX, upon discovering the issue, I made the {$130.00} payment from my current XXXX account. I then called to explain to Citibank that I simply created a new checking account. Citibank then indicated their intention to refund me the {$25.00} returned check fee ; the refund appeared on my XX/XX/XXXX statement. 

Following my XX/XX/XXXX conversation, I requested a review of my account closure. The supervisor I spoke with stated that my account would be reviewed and reopened within the week because of my exemplary payment history and credit score. However, I received notice from Citibank on XX/XX/XXXX that Citi would not reopen my account. I called Citibank on XX/XX/XXXX to inquire about my outstanding {$380.00} in Cash Rewards. The representative stated that the rewards were forfeited because Citi unilaterally closed my account. 

I used my DoubleCash card with the expectation that the cash rewards connected with my spending belonged to me. Certainly that is how Citibank advertised them. It appears that Citibank reviewed my account on XX/XX/XXXX and saw an opportunity to cancel my account before paying out the {$380.00} Citi owed to me. 

Citibank cancelled my account without cause. If there was a critical issue with the XX/XX/XXXX returned check fee, why refund the {$25.00} penalty to me? Why then cancel my account two months later? The reasoning provided is misleading, if not fraudulent. The cancelled account will negatively impact my credit score, without any adverse action on my part. 

I can not believe Citibank would knowingly deprive a customer of the benefit of their contract with the bank. I have asked Citibank to issue me the Cash Rewards I am due under my XX/XX/XXXX statement. I hope the CFPB can assist in resolving Citibanks unjust action.

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 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Bank of the West Credit Card- I had the card roughly 8 years. 

1. The card was set to expire in XX/XX/2019. I went into a bank branch to request a new card in XXXX. At the same time, I changed my address. 
2. That day- my current card stopped working because they cancelled it. I was given no notification that this would happen. 
3. The new card was sent to my old address, even though I had changed it. Thus, I didn't get the new card until well into XX/XX/2019. 
4. I tried to activate the card. I spent over an hour on hold and being transferred back and forth before I was told the card was activated. 
5. I went to use the card ... Declined. All of my recurring charges that I set up ... Declined. Bills are late because this card doesn't work. 
6. I called ( XX/XX/19 ) to get a new card and close this one out. Told it would take 5-7 business days unless I paid {$25.00} to expedite the card. I explained I've already waited 2 months to get a working card ... Still would cost me an additional {$25.00} to get the card sooner. So, I cancelled the entire account. 

In all of this time, every time I tried to access my rewards points, I could not because I didn't have a working card. When I cancelled the account completely, the phone rep did not mention the rewards program at all. When I tried that day to access the rewards one last time, i still couldn't log in because the rewards is tied to the card number, not my bank account. 

I contacted the Bank multiple times ( XX/XX/19, XX/XX/19, 1XX/XX/19, and XX/XX/19 ) - they say there is nothing they can do and maintain that the phone rep told me my rewards were forfeit. This is not true. He was very brief and said very little about anything. The bank has not responded to my last two inquiries/complaints.

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 2019-11-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: U.S. Auto Sales Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX i tried to call is auto finance and get my car turned back on after they disabled it i am only 6 days late for a XXXX dollar payment all other paymebts have been made

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
My wife XXXX XXXX XXXX and myself ( XXXX XXXX ) contacted our mortgage company PHH late XXXX to get a loan modification. I explained to PHH that we were falling behind on our mortgage due to me needing a major XXXX and having to go out on temporary XXXX and I am not receiving an entire pay check. 

Since then the process has been a painstakingly slow and frustrating. On numerous occasions PHH has requested the same documents. I have spoken with at least three supervisor the last being a XXXX ( XXXX XXXX  ) on XX/XX/XXXX once again asking for the same documents. However out of everyone that I have spoken to XXXX was the most helpful. He asked me to fax over four additional documents. This process has taken so long that one of the document that XXXX had requested was sent at the beginning of the process was now out dated.On XX/XX/XXXX XXXX had spoken to me and had confirmed that everything was received. 

On XX/XX/XXXX I called back to get an update and once again I was asked for documents that were sent back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: TX

Complaint narrative:
We began repaying student loans with original balance of {$25000.00} in XXXX of XXXX. Payments were set up on bill pay at {$150.00} per month which was paid on the 15th of every month through current. We received a past due notice of 60 days and immediately called to discover the loan was on a graduated plan where it last increased XX/XX/XXXX and we were not sent notice by mail until now 18 months later. Calls to customer service representative said it was our responsibility to login and monitor the account online ... We also discovered they have been allocating money from the $ XXXX  monthly payments towards late fees since XX/XX/XXXX and we still have late fees due close to {$300.00}. Further, looking at repayment balances after making payments every month for over 6.5 years ... the outstanding loan balance is {$30000.00} due to capitalized interest! We understand if we missed or did not understand the graduated loan step-up in XX/XX/XXXX from {$150.00} to {$170.00} per month, but there are four significant issues that constitute predatory lending : 1. We should have received notice by mail of escalated payment due before XX/XX/XXXX ; 2. We should have been notified by mail of every late fee/ short payment that happened to give us the ability to correct the issue immediately ; 3. We understand amortizing loans and have been paying back the student loan in good faith for 6.5 years which should have reduced the principal balance from the original loan amount. For this we have not received an explanation from Nelnet for the capitalized interest other than to refer us to the promissory note. They have not provided us with a promissory note to review nor do they have online where we can review ; 4. My personal credit score has been impacted for past due loans without notice. I have always paid accounts as due and it is easy to document we thought we were paying as agreed in this case. I have no issue repaying the loan with reasonable interest, but can not comprehend the additional fees and credit damage without contact by mail and compounded further by capitalized interest in excess of {$6000.00}. 

There are significant disconnects with common loan practices at Nelnet and with their communication to clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report. 

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express are refusing to process my dispute regarding billing with XXXX XXXX. I didn't receive service due to hospitalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I opened my TD bank Premier checking account at TD bank branch in XXXX, MA on XX/XX/2019. The manager who helped me open the account told me I can get XXXX dollars bonus if I keep my balance over XXXX for three months. I did what they required but I did not receive it till now. I visited the branch but they what they can do is to send email to their department which is taking charge of the bonus. But I did not hear back from them since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I sent a letter ( XX/XX/2019 ) to ask and get a explanation as to why certain items are reporting on my credit report and also to see if Trans Union is even in compliance with federal and state law to be reporting in accurate information in regards to my credit report!

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 2019-11-08 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: CA

Complaint narrative:
I ran a credit report using XXXX with Transunion. I disputed adverse actions listed. After 30 days, I called Transunion since I had not been informed of the results of the disputes. I was told on the phone that the adverse actions had been removed. 

I was denied credit in the interim. I tried to get a free credit report based on the denial, but was unable to get it online. I called and spent 59 minutes on the phone and they could not resolve the problem. 

I am unable to get a free copy of my credit report online as a result of being denied credit which, according to Federal law, I am entitled to. Transunion had no further guidance for me. I even tried to pay for the report and was unable to obtain it.

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 2019-11-08 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
They are reporting me as being late and now I have a negative mark on my credit report. I have paid on time every month even ahead of time. I am enrolled in autopay. They have taken my credit score down 10pts due to this false negative reporting on my account. My payment is due on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: FL

Complaint narrative:
I forwarded to Equifax Credit Information Services, LLC. On XX/XX/2019 ( USPS Certified Mail : XXXX XXXX XXXX XXXX XXXX ). 

The furnishers are in violation of the Fair Credit Reporting Act. commercial accounts ( Information ) do  not apply to the Fair Credit Reporting Act. The furnishers are reporting inaccurate, incorrect, unfair, deceitful, misleading information on my consumer report. Furnishers have damaged my ability to obtain credit, it causes me pain and suffering, mental anguish, depression, stress, insomnia, the lack of pursuit of happiness and the loss of enjoyment of life. 

I demand the following accounts listed below be removed immediately, a Consumer Report is NOT  intended to be used as a commercial account ( Information ).

See Attached Documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
They are reporting me as being late and now I have a negative mark on my credit report. I have paid on time every month even ahead of time. I am enrolled in autopay. They have taken my credit score down 10pts due to this false negative reporting on my account. My payment is due on 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 2019-11-08 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
They are reporting me as being late and now I have a negative mark on my credit report. I have paid on time every month even ahead of time. I am enrolled in autopay. They have taken my credit score down 10pts due to this false negative reporting on my account. My payment is due on 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 2019-11-08 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: MO

Complaint narrative:
on XX/XX/2019 i sent a factual dispute letter disputing an account. on XX/XX/2019 i received a letter stating that the account was updated. on XX/XX/2019 I followed up with a letter asking to provide all information used in their investigation. I did not receive a response. On XX/XX/2019 i sent a second written request asking again to send information used to verify and validate this account in their investigation. On XX/XX/2019 i received a letter stating that unless i send additional relevant information to support my claim, they will not reinvestigate this account again/

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 2019-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report. 

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Lil' Wave Financial, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX setup to run payroll with Wave Financial ( waveapps.com ) and entered all banking information required for a direct deposit to one of our employees. The direct deposit was supposed to be completed by XX/XX/XXXX. On XX/XX/XXXX, received an email stating Payroll error and while chatting with their representative asked me to re-enter info. I explained the info entered before is 100 % accurate and how re-entering is going to help. Representative told me, that is the only way to see if it works and it will take 1 business day for success or 5 business days for a failure. 

This is not acceptable as the employee do not get any salary and my company money is further locked for 5 more business days. Also, they do not have any mechanism to do a test direct deposit to verify their system works. This should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: Clarity Services
State: PA

Complaint narrative:
Clarity services placed an inquiry on credit file. Company continues to furnish data on credit file after documents for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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 — Problem getting your free annual credit report
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
comenity capital bank had several accounts for XXXX XXXX XXXX and XXXX XXXX XXXX, we have suppressed XXXX and XXXX has since XXXX we are prepared to take all credit furichers to court should they fail to get XXXX to block our reports.

Company response to consumer: Closed with explanation