vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-12 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I am a holder of American Express Gold Personal ( # XXXX XXXX XXXX ; expires XX/XX/XXXX ) and Business ( # XXXX XXXX XXXX ; expires XX/XX/XXXX ) Credit Cards. Although I have been an AMEX customer since XXXX, I am new to the American Express Membership Rewards ( MR ) program. On XX/XX/XXXX, I initiated my first attempted use of my MR points by transferring XXXX points to my XXXX XXXX XXXX ( XXXX ) account # XXXX. I was unsuccessful in the attempted transfer and received a message indicating that my transfer was blocked because of attempted illegal transfer to an unauthorized party or an attempt to sell my rewards points. I subsequently attempted another transfer from my spouse and authorized user, XXXX XXXX and received the same error message. I immediately contacted both AMEX Business Gold Card Customer Service and XXXX and have tried to resolve the matter, receiving conflicting information. I was informed that the issue may have been because of my mispelled last name on my Business Gold Card ( XXXX XXXX XXXX XXXX which has been corrected and I have new AMEX card on the way but am stil unable to transfer my MR points. I was also initially informed by an AMEX supervisor on XX/XX/XXXX that my experience was due to a temporary glitch that AMEX was experiencing and should be resolved in 48-72 hours. Only after multiple follow up calls was I informed that my account was under internal review and all I could do was wait for a call from their department. In the meantime, XXXX does not allow placing itineraries on hold and I risk not being able to utilize my points for my desired flights At my last contact with AMEX, the case was finally escalated with a case file of XXXX. Additionally, I have not been given a timeline within which I can expect case resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
The laws of the state of Pennsylvania clearly states that when a repossession takes place, that there must be at least two auctions completed before there is an upset price pertaining to collection purposes. However, in fiscal year 2017, being XXXX I suddenly faced several financial issues that caused this repossession. Accordingly, I am requesting a reasonable settlement to this collection. The vehicle loan was for a 19.99 % interest rate, and the payment was very high. However, I was only 30-days behind on the payments, and if I was given proper consideration as before, I could have brought the payments current. I would appreciate an offer in compromise either through my email or direct mail, and Ill do my best to make that payment to benefit all parties.

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 2019-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I opened a checking account with HSBC in XX/XX/XXXX being attracted to their welcome bonus. I called numerous times because the bonus was not deposited to my account yet, always got answer that I have met the criteria, bonus it's on the way. Now in XX/XX/XXXX they are telling me that I haven't used the proper link. I am CONFIDENT I have used the proper link. This is ridiculous, they have the worst customer service. Before giving me this nonsense answer they were telling me they need my application number, why would I have this, thats their internal information, I am giving them account number now. 

However, I used the proper link and this makes no sense, please get it resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Funds were deposited in my account from an escrow account, by check. The funds were withdrawn in FULL from the escrow account ( XXXX  XXXX XXXX ) on the same day. CitiBank has taken it upon itself to dole this deposit of funds in a stretched incremental way! After consulting a lawyer and other banking individuals, I have determined this is NOT a usual procedure for funds that have been already paid/collected. I am therefore requesting a full and thorough investigation of CitiBank in regards to this practice, furthermore I request action on behalf of all clients and consumers of CitiBank services for compensation and or fines up to and including legal actions to prevent this in the future. Quick response and action in this matter is requested.

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 2019-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened a savings account with TIAA Bank on XX/XX/XXXX with an initial deposit of {$56000.00}. I have only received one bank statement from them in this time. On XX/XX/XXXX I tried to sign up for online banking and to use the mobile application. I created a user name and password but was unable to login even after being text a security code. I called customer service and they said IT wasnt there to assist me and would have them call me on that Monday. Nobody called and I called TIAA on XX/XX/XXXX and spoke to XXXX XXXX, again nobody could assist me and I was told IT would call me. I called again on XX/XX/XXXX and spoke to XXXX XXXX again and again nobody could help me and was told IT would call. I called on XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX speaking to XXXX XXXX, XXXX XXXX, and XXXX XXXX and again IT wasnt there and nobody could assist. At this point in time I am beyond frustrated and upset with this bank for its poor customer service and empty promises of a simple call back. Since I havent received account statements and I am unable to access my accounts with modern technology I pray my money is still there. I would greatly appreciate any assistance from the CFPB with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion has not updated my credit card balance since XX/XX/2018 and the lack of them doing so is holding my credit score down unfairly.

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 2019-01-12 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: SD

Complaint narrative:
My full true and legal name in the United States is XXXX XXXX. It is the only name I have ever used when applying for credit or financial products which is the only thing my credit report should be used for. I have never applied for a financial product with an alternate name since that would be considered fraud unless it was a miskey by the loan officer or corporate representative. 

Experian is refusing to remove aliases I never provided from my credit report. My assumption is so that XXXX XXXX can continue to use my information to obtain housing and financial services using financial products that have a second market credit rating system. 

The names that Experian is refusing to remove from my report which I never provided are as follows : XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) Not only is this information inaccurate, it is insulting. 

In addition to the names which I never provided, Experian is refusing to delete addresses which do not belong to me and have been deleted from reports at other credit reporting agencies. 

Attached is a report from XXXX showing it has deleted the same addresses Experian is refusing to remove from my report. 

There are also three phone numbers on my Experian report that do not belong to me. 
Experian seems to put any information provided to them on their report, which some appears to have come from private investigators working on behalf of creditors who have violated Federal Law. 

One of the creditors is XXXX who I have filed several complaints against. At least one with CFPB. 

Experian is demanding that I contact the creditors to have my address updated and sent to them which I refuse to do, especially with XXXX as they have private loans that have fallen off my credit report and I do not want to " trigger an event '' that will cause the loans to come back on my credit report. 

In the case of one of the addresses which is a commercial address, Experian is claiming XXXX provided the address. I closed the account in XX/XX/XXXX and the first time I visited the address, which again is a commercial address, was in XX/XX/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 2019-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I opened a checking account with XXXX in XX/XX/XXXX being attracted to their welcome bonus. I called numerous times because the bonus was not deposited to my account yet, always got answer that I have met the criteria, bonus it's on the way. Now in XX/XX/XXXX customer service is telling me that I don't qualify since I have had relationship with the bank already. I have a CREDIT CARD with them that was opened before the checking account. Their offer disclosure states " Customers who held an HSBC consumer deposit or investment account not eligible for this offer. '' Credit card is neither consumer deposit or investment account, so they are doing false advertisement. 

Their customer service is terrible, horrible and outside US, I'm not getting anywhere with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX has not updated my credit card balance since XX/XX/2018 and the lack of them doing so is holding my credit score down unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I moved and did not receive statements at all from capital one, I have asked and signed up and still nothing. I was charged a late fee in XX/XX/2018 and the company will not refund it, even though they dropped the ball and didnt send me the statement as requested and i even called. please refund me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-12 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: TN

Complaint narrative:
This is regarding the dispute on the credit card ending in XXXX on, XX/XX/2018 @ XXXX Order # : ( XXXX ). This order was canceled on XX/XX/2018 this was when the refund was issued as cash when it was to be refunded back to the credit card. I disagree with the decision that was made to refund this credit back in cash. My reason for this disagreement has been as you can see the copy of the refund receipt is stating that the money was refunded back to me in cash, however I had never received cash for this refund order nor was the money sent back to the account. As I tried to resolve this issue with the store personally and it was told to me that it could take up to 30-days before the money would be back into the account. After 60-days the credit services issued the credit back to the card and once the money was sent to my account it was later removed due to Home Depot sending an investigation letter regarding charges that were under dispute after the refund date. My question is why would they issue a cash refund on such a large amount? When it should have been returned to the home depot card not in cash.

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 2019-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
RE : Consumer ID XXXX On XX/XX/XXXX I sent a letter to XXXX XXXX requesting they place a security freeze as allowed by my state law as well as an updated copy of my consumer report. XX/XX/XXXX I received a letter dated XX/XX/XXXX requesting I sign a document to verify my identity in order to place a freeze. Enclosed was a copy of my consumer report. The form they request I sign simple repeats the verifying information that was provided in my original request. My letter included a copy of my current state driver license along with my SSN and DOB. 

My complaint is that the receipt of my consumer report indicates that I met the threshold for identification verification. I have complied with the requirements of MO 407.1382.1 ( 1 ) and ( 3 ) and XXXX XXXX has failed to comply with my request for a security freeze as required by MO 407.1382.2

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 2019-01-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
Current resident physician who is trying to apply for medical residency forebearance. Staff at navient is either not trained to understand what form/process is involved or do not follow through emailing appropriate form. 

This is an ongoing issue which last year negatively effected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
My SSN was used without my knowledge and/or consent to illegally purchase a car. I notified the sales manager of the car lot, along with the bank. 
Let them know my identity was compromised. Was advised someone would contact me, which did not happen. Now the bank is negatively impacting my credit score.

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 2019-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
In XXXX of XXXX, I received a letter from a company labeled as XXXX  XXXX saying that I was being charged {$200.00} for a device I did not turn in earlier in the year when I quit using the device because it did not work correctly and was costing a lot of money. I had turned in the device to my local XXXX XXXX store in XXXX XXXX, so I ignored the letter thinking they had not caught up with it. Before this time, I did not receive a bill or statement saying I owed money for early termination or anything else. XXXX XXXX is associated with XXXX XXXX, and billing typically goes through them. In XXXX, I got a collection notice from a firm called Aldous and Associates for the {$200.00}. When I called them, I told them I had turned the device in, but they said the money was an early termination fee. This whole process seemed strange to me, so I was suspicious and decided to check further into it. In XX/XX/XXXX, I went to the XXXX XXXX store in XXXX XXXX and talked to them about the debt. They could find no evidence of the debt ever existing at either XXXX or XXXX XXXX, and even their collections department said I was in good standing with them. XXXX XXXX tried to contact the number for Aldous and Associates,  but the number was disconnected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America debited {$33000.00} from my savings account when my wife wired money into my account to purchase a home. Unknown to me, BofA debited the money from my account without consent and without notification. The second mortgage debt had been discharged and I received a XXXX tax statement for the debt already. I called the bank and they would not give me any information about who collected the debt and I could not dispute or make a fraud claim against the {$33000.00} electronic debit from my account. We were not able to purchase the home we had a contract on and lost {$1000.00} deposit and other fees totaling about {$2200.00}. I still have not heard from the bank or received any written or oral message about where the money went and how I can dispute the electronic debit.

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 2019-01-12 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I went to get gas yesterday with my XXXX card ending in XXXX. I was told that I could not make the purchase and I had to call the number on the card to find out why. 
Today I called XXXX Customer service at XXXX. First they could not find my account. Then they told me I hd the wrong account my account ended in XXXX not XXXX. I was then told that the reason that I could no longer make purchases was because I am due for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX payments in the amount of XXXX. ( its not even XX/XX/XXXX yet? ).  I asked him when was the last payment sent he said sometime in XX/XX/XXXX they received XXXX. I checked with my bank while on the phone with XXXX and found that a payment in the amount of XXXX was sent on XX/XX/2018 and received by XXXX on XX/XX/2018. I was told I needed to fax proof of that payment in. I said ok give me the fax number. The Representative would not give me the fax number and said my call needed to be transferred to a different department. 
I was switched to a gentleman that identified himself as XXXX XXXX # XXXX. I told him what happened and that I needed the fax number to show proof of payment. He said that as far as he was concerned that was not necessary as XXXX never received the payment on XX/XX/2018. I was told I needed to call my bank XXXX XXXX and they would have to handle it. He then went on to say I would have to pay the money. I told him to close my account. All this sounded strange so I called XXXX XXXX XXXX My Bank the payer and spoke to XXXX she told me that that was not the case the money had been paid to XXXX and I needed to take it up with them. So now I am am writing you the CFPB. I need to find out what happened to the XXXX that was taken out of my account and sent to XXXX and why XXXX never applied the payment. Please Help me resolve this issue. 
See attached my XXXX card and my proof of payment to them from 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 monetary relief
Consumer complaint received 2019-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to my recent credit report request from Transunion, XXXX, XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE 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