vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Recently, I paid off my credit card balance with CitiCards. Today, I logged into their mobile application and could not see the statement generated for XXXX. CitiCards did not produce a statement for the period even though there was a starting balance and 3 payments made, totaling {$5500.00}. I used their online chat to report the issue and the representative ( XXXX ) advised to check their full website. I did this and the statement was not present. Then, he claimed that they do not generate statements when the ending balance is XXXX. He offered to physically mail one to me. 

I asked for escalation and he told me to call the call center. I did as instructed and was advised by XXXX that she reviewed with her leaders and they agreed that they do not need to provide statements when the ending balance is XXXX. 

I see this as a clear violation of Regulation Z Section 226.7. Please investigate and advise.

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 2019-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
I was looking online to purchase a XXXX puppy. On XXXX, a listing came up entitled, " Teacup XXXX  Puppies For Sale - Home XXXX. '' I went to the site and it led me to their XXXX page which displayed puppies being purchased and shipped around the United States. I began a conversation with them ( through Messenger ) and they sent me three photos of 3 different puppies available to purchase. I picked one and asked about shipping the dog to me and she said as soon as I paid they would forward me the tracking information. They provided me their XXXX email and I forwarded {$620.00} to them. I did not hear back anything for several hours ... so I immediately contacted USAA bank to file a dispute and see if they could reverse the money sent. 

I have filed a Complaints with the Internet Crime Center, the FTC, and XXXX. 

I contacted my bank, USAA, on numerous occasions and no one ever contacted me, despite being told several times that someone would call me to discuss this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
After paying on our Secured cc card account one day after due date they closed account .No complaint there, although unusual when we were always on time..It was secured with a cd from them ( USAA ) which we agreed with them that they would pay off credit card and send the difference of cd to us in a check within thirty days.This was XX/XX/XXXX. They have given us so many stories and different departments with now ... 60 days later and no refund of balance on cd. 
After alert on my credit from XXXX  they ( USAA ) sent a closed account with a XXXX balance On our credit report! This is how we found out that all this time they hadnt paid it off with our cd agreement.Spoke to someone last night from Usaa ..only to once again hearing them say they were sorry this happened. Our concern is where then is our money? 
We want our money and this negative false report taken off and difference again sent to us.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On or about XX/XX/2019, I applied for and received an American express preferred credit card. The promotional benefits advertised and was confirmed when I contacted Amex. Amex was supposed to have been given to me once I met the criteria, which are as follows : 1. No interest for the first 12 months of all purchases 2. {$250.00} cash back after spending {$1000.00} or more within the first three months, which I did. However, I have not received these two promised introductory offers. I inquired on XX/XX/2019. I was told by XXXX  in the Florida conflict resolution office, that American Express corporate office made a decision not to give me the introductory promotional package. No Explanation was given other than after looking at my credit history, The corporate office decided not to give me the promotion. I asked that the matter be further look into as I was not informed either by email or telephone call or a letter sent to my home. On XX/XX/2019, I received an email reading that somebody from corporate office would get back to me within 5 to 10 business days. Those 10 business days were up XX/XX/2019. Today is XX/XX/2019 and I still have not heard from them. 
Oddly, Amex is honoring 6 % cashback on groceries and streaming. Had I been informed when I applied for this card, I would not have opened the card and I certainly would not opt to Open a card that has a XXXX $ annual fee. I am a low income senior and feel I was taken advantage of. This feels like bate and switch and false and misleading advertisement. If my credit history was good enough to grant the card then I should be able to have the benefits offered through that card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/19 I received a letter identified as from XXXX XXXX  c/o Paypal, XXXX. XXXX XXXX, XXXX, MD XXXX that stated they regretted they were unable to approve me for the service because they were unable to verify my identity. I did not apply for a Paypal account, so this seemed odd. I have since contacted XXXX XXXX  and their Fraud Department twice @ XXXX & XXXX and I have been told both times that there was no application for Paypal in my name at my address or any application associated with my social security number and no Paypal account exist. They also said the address on the letter from XXXX XXXX, declining credit, is not a valid bank address. However, I later received a collection notice from XXXX XXXX , XXXX dated XX/XX/19 stating the current creditor was Paypal, Inc with a XXXX XXXX , XXXX account number, last four digets of a Paypal account number, that I have now confirmed with Paypal is invalid, and XXXX XXXX XXXX claims I owe a balance of {$800.00} for Paypal chargebacks. 
I sent XXXX XXXX , XXXX collection agency a certified formal written dispute letter on XX/XX/19 explaining that I had been in touch with XXXX XXXX  and the fraud department at this bank, as well, and there are no Paypal accounts on file in my name at my address, as shown on their letter, that I am attaching for your review. They responded back to me in a letter on XX/XX/19 with a description of three chargebacks with chargeback fees equaling {$800.00} and each of the three charges reflected a different e-mail address, none of which were mine, yet XXXX XXXX , XXXX somehow has my name and USPS mailing address on file and attached to these chargebacks. I have checked all three of my credit reports and there are no inquiries on my credit reports that my credit has ever been checked by XXXX XXXX  Paypal or that I have any kind of existing XXXX Paypal account. I have explained to XXXX XXXX , XXXX in writing that these accounts do not belong to me, however they have left them in my name on their last letter of XX/XX/19 in another attempt to collect. Will you please investigate this, as I feel like it is some sort of criminal activity and XXXX XXXX, XXXX is involved. I confirmed on the internet that XXXX XXXX XXXX, XXXX XXXX, NJ XXXX is a valid address for XXXX XXXX , XXXX, as shown on their letters. Please investigate and advise me of the next step in stopping this fraud and contact from XXXX XXXX , XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: NJ

Complaint narrative:
I received notification that LoanCare placed a missed payment on my XXXX   credit report as of XXXX XXXX. I paid my mortgage as agreed.

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 2019-11-13 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: Ocwen Financial Corporation
State: AR

Complaint narrative:
OCWEN LOAN SERVICING IS STILL REPORTING 2 MORTGAGE ACCOUNTS ON XXXX SINCE XX/XX/2015. OCWEN MUST NOTIFY XXXX   REPRESENTATIVE AND MAKE SURE YOUR CREDIT REPORTING BILLS ARE PAID TO XXXX.LOAN NO.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have no knowledge & gave no authorization to an auto loan with Capital One auto finance. This account was opened thru Identity Theft, according to my credit report the account was opened in XXXX of 2015. It now shows up as a charge off on my credit report. I have reached out to the Capital One on several occasions. I also have Police Reports, stating that I have been a victim of identity theft fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
i have not been able to open an account with any banks due to inaccurate fraud statements from 2017 reported from XXXX XXXX XXXX, im a victim of fraud my identity was stolen since the year of 2017 as a XXXX year old looking to start a business i need an bank account and fraud identity that was stolen from my old bank JPchase bank is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: CA

Complaint narrative:
I disputed inaccurate information that was showing on my report named members XXXX XXXX XXXX. A credit card that was closed and paid off. two of them XXXX and XXXX XXXX are both closed accounts, XXXX has a duplicate account and should be removed and they are reporting as still open with the bureaus. They keep telling me that it is accurate when i have proof that it is not and its hurting my score and i keep being denied from other credit card companys. I disputed a auto account that also is incorrect, This account is showing as a duplicate account called XXXX XXXX this account was bought by XXXX XXXX and these two accounts should be merged and not seperate in my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Submitted several identity theft reports obtained from the XXXX police department aswell as the FTC and credit bureaus still refuse to remove the fraudulent accounts and unauthorized inquiries.

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 2019-11-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Submitted several identity theft reports obtained from the XXXX police department aswell as the FTC and credit bureaus still refuse to remove the fraudulent accounts and unauthorized inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed inaccurate information that was showing on my report named XXXX  XXXX XXXX XXXX. A credit card that was closed and paid off. two of them XXXX and XXXX  XXXX  are both closed accounts, XXXX has a duplicate account and should be removed and they are reporting as still open with the bureaus. They keep telling me that it is accurate when i have proof that it is not and its hurting my score and i keep being denied from other credit card companys. I disputed a auto account that also is incorrect, This account is showing as a duplicate account called XXXX XXXX this account was bought by XXXX XXXX and these two accounts should be merged and not seperate in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: AR

Complaint narrative:
they refuse to give me a collection forbearance until my consolidation loans go through

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank sent me U.S. postal service mailing with a personal invitation code, to be used to open one of four types of checking accounts in order to receive a cash bonus. I used its online application to request opening of a Basic Banking checking account, which offered a 4 % cash bonus. I took note that nowhere in the application was I asked what type of checking account I wished to open - I thought that odd. Soon after online application submission, I received an email from Citibank indicating I had opened a City Priority checking account, which is not the type of checking account I wanted. The cash bonus for a City Priority account is 1.2 %. I immediately called the phone number given in the checking account solicitation mailing : XXXX. I told the Citibank rep. I wanted to be sure the checking account I had just applied for/opened was a Basic Banking and not City Priority account. I was transferred to New Accounts, and that rep. told me the type of checking account could not be changed. I requested immediate cancellation/closing of any Citibank checking account. I then asked if the personal invitation code could be used again, in a second attempt to open a Citibank Basic Banking checking account. She said the code could be used again after 150 days. I pointed out the last day to apply for the cash bonus account opening is XX/XX/19, less than 150 days away. I told her I will file a complaint about false, misleading advertising by Citibank. This is a " bait and switch '' operation. I consider this fraudulent behavior by Citibank.

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 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.

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 2019-11-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Social Finance, Inc.
State: CA

Complaint narrative:
Recently I decided to move to Sofi to refinance my student loans to a lower rate. A representative from SoFi informed me on the phone that if I have a Sofi Savings Account, I will get a 0.125 % discount for my student loan refinance. So I did. I opened the savings account. When my loan was funded, I see now that the promised 0.125 % discount never materialized. When I called SoFi, they said that I needed to have a positive balance in the Savings Account. I mentioned to the representative that no one said anything to me on the required balance amount. The representative said even a {$1.00} of balance would have helped you with your discount. 

So basically based on the miss-information and the promise of the 0.125 % discount that Sofi provided, I moved to SoFi. Not only I did not get it, but also the representative did not even try to work out a solution. SoFi has the recordings from that day and if you listen to it, you will hear the miss-information. I have attached the recording from my conversation with SoFi representative that he agreed for me to record from today 's call. 

This is not right that a company gets away from giving miss information and the consumer is left alone to the corner after they get my business. I could have gone to another company with a lower rate like XXXX XXXX, but choose SoFi based on the additional discount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had an unexpected electrical bill for a rental property in the amount of {$1700.00}. CitiBank offered a flex pay arrangement for that so I signed up for it. They only gave me {$1100.00} for the flex pay. Leaving {$600.00} outstanding. I have outstanding credit - FICO of XXXX. I always pay my balance off fully, have never been late. There is over 10k credit available on that card and {$35000.00} on a different card with them so it seems they have refused me credit without cause. I chatted with an agent who said it was a computer program that decides the amount flex will loan. I asked to speak to a supervisor and there was no chat available so only a phone number ( I am very hard of hearing and it is not easy for me to do business on the phone. ). I tried but the agent did not know how the credit decisions were made. I asked to speak to that supervisor and was disconnected. 

I also asked how the flex payment would affect my automatic payment for the full balance and did not get a good answer. Seems the staff are not trained on this flex product.

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 2019-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
The lender is charging me a above there listed interest rate have already filed on complaint and there response is so sorry to bad, I have tried calling to speak with a supervisor and get hung up on I have requested arbitration and they have said its to late but I have already filed for arbitration on my own. California laws strictly limit lenders for tilte loans between the amount loaned $ XXXX {$10000.00} to charge only 3 % monthly interest and capped at 36 % annually. Loan company says that is not true and dont know were I get my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lyons, Doughty & Veldhuis, PC
State: DE

Complaint narrative:
I was served with legal papers for a debt that was sold without my consent and knowledge violating all legal rights to private information such patient identifiers.

Company response to consumer: Closed with explanation