vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
XXXX, is illegally reporting my credit information to Macy 's credit card Services On a monthly basis without my knowledge? 
Macy 's didn't pull my credit report because there is a freeze on it? 
In return even though I have never missed a payment and at this time I had over half of available credit on this card. 
Based on this information that they Illegally obtained from XXXX they reduced my credit limit? 
XXXX is selling my information and want to sue 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 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I used the XXXX XXXX  to make several purchases during " rent day ''. Some are switched purchases but some are also direct purchases. I used to earn points on such purchases, but XXXX refused to award me the points this time. They quote that the XXXX XXXX XXXX  has excluded such purchases but XXXX never notifies 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 2023-09-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I have sent a written debt verification letter. In addition I have sent a letter stating the account is not mine and that my is a result in identity theft. In addition I the amount has been charged off and the creditor has XXXX was on my account from 2016 and now it appears again this time through a new third party. Once the account reached the 7 years XXXX sold the file and it has appeared on my account again now for another 7 years. Again, the account has been charged off and I did not open the account in the first place it was identity theft. in the past there were identify theft alerts and notice my account had fraud. I have advised the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I closed my XXXX XXXX account in early XXXX as I wanted to open up a XXXX XXXX Account instead. I knew I had a balance of about XXXX Ultimate Rewards points, so when closing the account, I explicitly asked about my points, and the reps said I wouldnt lose them as I had other cards that were on the Ultimate Rewards Program. 

On XX/XX/XXXX, I actually transferred over XXXX points from another card into the XXXX Ultimate Rewards account to consolidate all my points under one account. On XX/XX/XXXX, I was transferred XXXX points out of that account to purchase airfare. 

I believed all things were normal, until I logged in on XX/XX/XXXX to discover all my XXXX plus Ultimate Rewards points had been forfeited. I reached out to the bank, to the credit card number, and to support on XXXX -- and they all told me I was out of luck because the account was closed and I had 30 days after closure to move or use the points. In summary, despite all my attempts, I lost over XXXX points which I had accumulated over years, these points are worth between $ XXXX {$8000.00}! 

Three major things at play here - 1 ) I was able to transfer points in and out of the account as recently as XX/XX/XXXX and XX/XX/XXXX, respectively. This is over 2 months after I closed my account. If their policies state 30 days, why would they let me move more points into the account after the account was supposed to be closed? 

2 ) Nowhere on the portal, as an email, or anywhere was I was warned that the rewards account would be closing and I need to move my points. The portal was behaving completely normally. I can actually still see that account on my Ultimate Rewards portal when I log in!

3 ) Multiple times, the account reps told me that I would not lose my points. And I spoke with them multiple times because I applied for the XXXX XXXX XXXX and got denied because I still had an active Sapphire card with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Continues to send one page, no contract with company and now is threatening an attorney to take case. sent cease and desist letter several times beginning back in XX/XX/XXXX company continues to send letters without the corrected information or verification and is still reporting to my credit report as new credit. This is my second complaint about this company as they continue to use Resurgent and XXXX XXXX. It is taking a toll on my credit. I am not able to live the pursuit of liberty and happiness as I am being denied my own credit from other companies because of this company. I have sent several cease-and-desist letters certified to this company and they continue to regenerate the same letter with not feedback, and there are more dates. 
XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK
State: OK

Complaint narrative:
Discover bank is engaging and identity theft by unlawfully sharing my nonpublic personal information with third parties without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
Please see emails attached. I was sent an email on XX/XX/XXXX to sign up for Auto Pay. I signed up for Auto Pay and received a confirmation email on XX/XX/XXXX. On XX/XX/XXXX I received an email that my Auto Pay was cancelled. I called an spoke to three different people that reassured me there was a glitch in the system and everything would be correct. I asked them to send me a confirmation email that my interest rate would be at .25 % and they reassured me it would be correct after XX/XX/XXXX. They showed on their end three confirmation emails that my Auto Pay was set up correctly and confirmed there was something wrong with their system and to ignore the cancellation email. I signed up for Auto Pay again on XX/XX/XXXX. A payment was made for {$12000.00} on XX/XX/XXXX, but my account does not reflect that. I was cancelled again, but was never sent an email. I set up Auto Pay again on XX/XX/XXXX and received another confirmation email, but my interest rate does not show .25 %. I was assured over the phone that their system was having issues and everything would be correct after XX/XX/XXXX. It's not, my interest rate is 3.86 % on 4 loans and 4.66 % on 2 more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CHARLES SCHWAB CORPORATION, THE
State: PR

Complaint narrative:
Charles Schwab blocked my accounts for fraud alerts, but I've never had a fraud problem. The bank often label most of my transactions for fraud without a real reason. They asked me to send a notarized letter with my ID to confirm my identity ( again ). This was 7 days ago. I sent the notarized letter 6 days ago. I still don't have access to my funds and these are my only accounts. I am in a XXXX XXXX without access to my money. I ran out of medications and food. They are not giving me answers or solutions. My health and other aspects of my life are at risk for this situation. I call every day twice and they don't do anything. Please, help me. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: V and H Portfolio
State: CA

Complaint narrative:
I was recently received a credit report that shows the Vance and Hoffman have filed a collection against me on XX/XX/2023 for collection account originally held by XXXX XXXX XXXX I have never had account with XXXX XXXX XXXX I believe this report is a result of fraud and error whats your desired outcome I want this account removed from my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
I recently discovered that I had a few accounts under my name that I myself had not opened. I only found out about them because I was continuously receiving calls about different accounts being sent to collection ( which at first I thought was just a scam call ). It wasn't until I went to apply for something and got denied that I finally went to check my credit score and noticed a significant decrease. I seen that a couple loans had been opened and sent to collection, and also that a credit card had also been opened and is on its way to collection with a past due and over limit balance. I have filed with identitytheft.gov and have tried explaining to the companies the situation to no avail. I am not sure who or how my information was acquired, and have limited info on the dates accounts were opened. I do have the current amounts as listed below : XXXX {$1500.00} -XXXX  XXXX {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall...

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inquiries that dont belong to 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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Account payment history and date of first delinquency are incorrect. This account is too old and obsolete and should not be reported to my consumer reports. They are reporting inaccurate information to my consumer reports and are causing me damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
The servicer was changed from XXXX XXXX XXXX to Mr. Cooper in XX/XX/2023. I am unable to login to Mr. Cooper to see any of my mortgage statements. They are claiming I have a shortage in my escrow account which increased my mortgage payment by {$120.00} a month. I called my Sr. Loan Officer whom I closed with on XX/XX/2023, she verified all escrow payments were made and the correct amount was held for taxes and insurance. There should be no shortage and Mr. Cooper is not giving me the information I need after 2.5 hours on the phone, on 2 different days, and waiting for a manager to see why in XX/XX/2023 when they did the analysis of the escrow account it was short. My taxes nor insurance has gone up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On my mobile, when logged into Citibank app, I received the promotion code of XXXX for opening a Savings account with {$50000.00} or more of new money to Citibank, to be maintained for 60 consecutive days to receive a reward of $ XXXX. 

I clicked on the offer and opened the new savings account ( ending with XXXX ). I transferred $ XXXX in to the new savings account and contacted the customer service right after opening to confirm i met all the conditions to receive promotional offer. I was informed that i met all the conditions and my promotional reward will be deposited after 60 consecutive days of account opening. 

I reached out to the customer service department again after 120 days of account opening, at that time, i was informed that i do not meet the criteria of account opening and hence do not quality for the reward. The reason for decline mentioned was I have a Citibank Account Package, and only the Access Account Package was eligible for promotion. I have opened multiple request to review that were declined ( ref : XXXX ) Note : 1 ) The offer was on mobile app and no conditions were listed, my account was opened in less than 5 minutes 2 ) I was never informed on mobile app or in a email/letter that my account does not meet the promotion criteria 3 ) when i called, Citibank customer service incorrectly said that i qualify for the promotion, on more than two occasions. 

Given that, i have kept my funds ( $ XXXX ) in Citibank since account opening ( 6+ month ), I have been a loyal customer of Citibank for more than a decade, and the conditions were not mentioned during account opening or thereafter, I request that Citibank credit me the promised promotional offer ASAP.

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 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Please be advised that you need to cease with telling me I'm late ... by email ..letters to my address or phone. Or any means... so also stop with your auto reminders that I'm late ... I'm obviously aware I retained an attorney ... you can reach him at XXXX XXXX XXXX Address -- XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Thank you for your time my name is XXXX XXXX This is dealing with Bank of America double account I was in possession of a Bank of America account in XXXX Texas the problem was I ran credit card for transportation companies for customers to and from XXXX XXXX  when I would check my balance once, twice a week their was always a extra charged on account from Gas station or somewhere else and bank of America never fixed the accounts. They would say yes we see something let me see if we can see what is going on but never put back my money or tell me what happen. Operator just ask card number and send you to another operator so how do I go about being compensated because I know my account was used Incorrectly ... Now they just got in touch with me about a job debit prepaid card and only gave me back XXXX they act like no you did not call us we do not have your account but I know they lying because they just settle my prepaid account. on last week and rushed me off phone. I Had a business account XXXX XXXX XXXX. 



sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
My complaint is against one main financial, I was going to be late with my monthly payment in which my XXXX XXXX which has XXXX miles on it was used as collateral. I was basically forced into a refinance, my 2 refinance and I asked if it would add to my balance and it did. My refinance was done several years ago and making monthly payments and balance remains at {$12000.00}. I filled a complaint on line received a call from one main that went no where, high interest rate. The refinance only lowred my monthly payment that was it. Also the add on, roadside assistance, insurance in case I cant make payment was added on as well. My question is, are there interest they are charging in line with Alabama law? I dont have exact dates of latest refinance but it was around XXXX XXXX near covid outbreak. If there is a class action against I truly believe I should be included. I want online and saw numerous complaints about one main.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BMO BANK NATIONAL ASSOCIATION
State: SD

Complaint narrative:
On XX/XX/2023, I initiated a transfer of {$4500.00} from my XXXX checking account to my BMO Harris auto loan. I had previously used my XXXX account to make a payment of {$470.00} on the first installment due date, XX/XX/XXXX. 

After initiating the payment, the webpage for making transfers to BMO Harris was rendered inaccessible, stating that my account had been put on hold due to issues verifying my identity. The hold notification instructed me to call XXXX in order to resolve the issue. 

Since then I have made six phone calls to the BMO Harris help line, most recently on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The first five times, the customer service representative told me they would send my issue to their resolution team, who would send me an email declaring the hold removed from my account by the end of the following business day. So far, this has not happened. 

My most recent call on XX/XX/2023, ended after a nearly two-hour hold when BMO Harris hung up the phone after transferring me to the resolution team. This occurred two days before my scheduled auto loan due date, and I received mixed guidance on whether the initial {$4500.00} would be withdrawn from my account. 

The customer service workers have been professional, if still developing their XXXX proficiency. I consider this a failure of BMO 's management, if not an outright malicious attempt to discourage any behavior that would prevent them from squeezing every penny of interest out of their unfortunate customers. 

I can not imagine any resolution to this complaint that the bank and I would see eye to eye on, unless the directors of BMO Harris would be amenable to XXXX their institution to the ground.

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I found inquiries that dont belong to 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 non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Evidently amex didn't read the complaint the first time so this complaint as all other cards have not responded to me they have contacted my attorney. 

So please cease your auto pays Additionally AGAIN Please be advised that you need to cease with telling me I'm late ... by email ..letters to my address or phone. Or any means... so also stop with your auto reminders that I'm late ... I'm obviously aware I retained an attorney ... you can reach him at XXXX XXXX XXXX Address -- XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX If you're going to reply to this your reply should be like what other cards are doing they aren't talking to me about anything anymore... obviously you guys can't understand bankruptcy laws. 

Last warning!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I financed a XXXX XXXXXXXX XXXX with Navy Federal Credit Union and at the time I applied for the protection plan which covers loss of job and illness. I was XXXX XXXX out of the military at no fault of my own due to medical reasons and when I tried to say this to them I was supposedly not covered under the plan despite paying for it. I've been asking for a copy of the documentation to prove that I did and when did I, but they just put me on hold for over thirty minutes each time and hang up. I've only ever gotten confirmation of debt. I've called so many times the collection specialist put me on hold for thirty minutes each time and never answer. Aside from that I've spoken to at least 6 people today XX/XX/XXXX just to get to the bottom of things and countless times before that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation