vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Citibank has ruined my life!! 
On XX/XX/XXXX, I sent a XXXX XXXX XXXX check for {$2500.00} for my loan payoff was cashed by Citibank and deposited in my loan account, on XX/XX/19, Citibank withdrew {$270.00} from my account because i signed up for autopay. On XX/XX/XXXX I called Citibank and asked why they hadnt deposited the {$3200.00} check i made from XXXX XXXX to payoff my loan, Which was cashed on XX/XX/XXXX? They claimed they didnt receive it and asked that i send a copy of the check, which i did. 
On XX/XX/XXXX, I called to find out the status of the missing check. The representative told me that me that the two payments i made in XXXX ( {$270.00} and {$2500.00} ) were reversed and never told me why because the back office wasnt opened on the weekend and advised i called back on Monday. 
I called back today XX/XX/XXXX at XXXX EST, the first thing the representative told me was that my account was overdue and i told her to read the notes on my account and tell me why the two payments in XXXX were reversed before she telling that my account was overdue. 
She told me that she couldnt tell me why and the back office do not have a phone number to reach them on. 
When i asked she opened a complaint, she thought she put me on mute and she said Lady, Lady, so you are just gon na start on me this morning when i asked her why she would make that comment, she denied it and later said, yes she said so because i asked her why my payments were reversed and she didnt have an answer for me. 
I find this ridiculous and it is likely that Citibank would report a late payment on the credit bureaus and mess up my credit for no fault of mine.

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 2019-03-18 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: VA

Complaint narrative:
On multiple occasions I have submitted an investigation/dispute with the credit reporting agencies regarding an alleged " debt '' claimed by XXXX in the amount of {$200.00} All times the agencies have come back with a letter claiming the debt has been proven " valid ''. I've asked on what information is the validity of this debt substantiated yet have not received any documentation to this end. All XXXX has submitted are invoices, but as an attachment I'm including to this complaint serves, the agency tasked with collecting this debt has ceased collection activity due in part to the fact that they can not produce any documentation of a contractual agreement with a start date between XXXX and myself, nor can they produce the documentation of when the services were ended. Of course they won't be able to because it would obliterate their claims of the amount owed. 
An invoice on it's own does validate debt, because frankly I could generate an invoice and send to XXXX billing them as well as Experian, XXXX  and XXXX for the amount of time I've wasted fighting and disputing this alleged debt and when they don't pay claim it's valid. But without a contractual agreement for the time/services rendered, the invoice on it's own validates NOTHING.

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 2019-03-18 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: VA

Complaint narrative:
On multiple occasions I have submitted an investigation/dispute with the credit reporting agencies regarding an alleged " debt '' claimed by XXXX in the amount of {$200.00} All times the agencies have come back with a letter claiming the debt has been proven " valid ''. I've asked on what information is the validity of this debt substantiated yet have not received any documentation to this end. All XXXX has submitted are invoices, but as an attachment I'm including to this complaint serves, the agency tasked with collecting this debt has ceased collection activity due in part to the fact that they can not produce any documentation of a contractual agreement with a start date between XXXX and myself, nor can they produce the documentation of when the services were ended. Of course they won't be able to because it would obliterate their claims of the amount owed. An invoice on it's own does validate debt, because frankly I could generate an invoice and send to XXXX billing them as well as XXXX, XXXX and Equifax for the amount of time I've wasted fighting and disputing this alleged debt and when they don't pay claim it's valid. But without a contractual agreement for the time/services rendered, the invoice on it's own validates NOTHING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
Attempted to contact XXXX XXXX XXXX, transferred to multiple departments with no resolution. Each department claiming this dispute is not theirs to resolve. Spoke to 3 representatives but none were customer service friendly but instead acted like debt collectors. Overages were not past due. Auto lease turned in early under SCRA. The finance company is prorating milage on monthly basis. This procedure is not mentioned in the lease contract. Contract is vague but at best indicates proration could occur on an annual basis. I leased the car for 7 months and acquired XXXX miles in that time and Toyota is prorating over milage fees on a monthly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC.
State: NC

Complaint narrative:
I have received phone calls from Hastled Financial Services LLC with different numbers and area codes. They calim I owe some debt from XXXX XXXX. I have explained to them this isn't my debt. I have never done business with XXXX. I have told them each time they call that I need them to send me information via mail so I can legally let them know I'm disputing this debt as it isn't mine. Each time I ask them to do this they tell me they can't, they claim they have already sent notice, which isn't true. 
I take great care of my credit and I'm afraid they will report this debt on my credit without allowing me to legally dispute the vadility of this debt. They call numerous times throughout the day using different numbers, each time I ask them the same thing. 

The debt collector information is : Hastled Financial Services LLC ph XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: GA

Complaint narrative:
Creditor Acc XXXX XXXX XXXX XXXX, Creditor XXXX, Acc XXXX, Dept Of Ed/XXXX, Creditor XXXX XXXX XXXX. The following are not my address or ever lived there I think this is what attaching me to my father with the same name.

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 2019-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2019 a deposit of {$50.00} was made to my account by a tenant. To date, Chase Bank has not credited my account for the {$50.00}. I have supplied them with a copy of the cancelled check and they still have not deposited the money into my account. I have called and visited the bank branch in XXXX XXXX, Fl, where the check was deposited, and still no money has been deposited into my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-18 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: MO

Complaint narrative:
I did not authorize XXXX XXXX XXXX to run my credit 5 times. 

I have been contacting Equifax and XXXX XXXX XXXX since XXXX 2018. The 5 inquiries are still on my credit report. 

Dates : XXXX XXXX, 2018 ; XXXX XXXX, 2018 ; XXXX XXXX, 2018, XXXX XXXX, 2018 ; XXXX XXXX, 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX my credit score was extremely low dueto my XXXX credit card account that I had no knowledge of. My credit card company was XXXX card they sold it to XXXX Im assuming, I had no credit card or knowledge of account therefor unable to make payments. I then received alerts of this account on my phone I contacted them made an over the phone payment on XX/XX/XXXX bringing the account current and then paid the total balance of XXXX bringing that balance down to XXXX! XXXX reported that information to TransUnion and XXXX on XX/XX/XXXX. My score was raised, today XX/XX/XXXX I log on to my XXXX XXXX and see that TransUnion reported again the information of XX/XX/XXXX on my credit report making my account delinquent once again. This was inaccurate, wrongfully fraudulent report on my credit report! I contacted multiple supervisor begging this issue to be resolved, they were very rude and unwilling to help, XXXX informed me that XXXX reported the information on XX/XX/XXXX, I contacted XXXX and they said that was an absolute lie, the explained that they report on the XXXX of each month and the last report was made on XXXX stating the account wasnt paid in full leaving a XXXX balance! I monitor my credit score daily how can TransUnion report my account current and show a balance of XXXX and then report the following month the old information from XX/XX/2019! This is unacceptable, it is my life my score is a reflection of me, yes I have high balances but I always make payments! This card was an unfortunate situation because I had no knowledge of this account being transferred! Someone in TransUnion made this fraudulent report on my credit reporting I need this removed and my credit score raised to what it was!!! I suffer from XXXX and this is certainly taking a toll on me! I need this issue resolved immediately, my well being and sleep depends on 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 2019-03-18 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I took out a XXXX XXXX card in XX/XX/ 2018 through Synchrony Bank with a {$95.00} registration fee. I was promised a bonus of XXXX reward miles after spending {$2000.00}. I spent considerably more than {$2000.00}. I was never able to receive or access my bonus miles. For 5 months I have tried. XXXX XXXX could not recognize my XXXX XXXX  number ( # XXXX ) that is on my XXXX XXXX card provided by XXXX XXXX. I'm not able to use the reward I earned and Synchrony was not able to repair the situation over several months and many hours of my time trying to access my miles. I spoke several times with a supervisor, XXXX, in the Kansas Synchrony Bank customer service office. She tried unsuccessfully to reach out to XXXX XXXX to resolve the situation as did other supervisors. Nobody could get a response.

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 2019-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I sent an international wire transfer ( to XXXX ) through the XXXX branch of PNC bank on XXXX XX/XX/2019 at XXXX. The branch manager went through the details and said that since it was going to be in the destination currency ( INR ), it would be sent directly to the bank ( XXXX ) and that there was no need for an intermediary bank. The money was then debited from my account. 
I kept following up with the beneficiary to confirm if he received the funds and even after 2 weeks the funds were not received. I then called PNC 's customer support and they told me that the beneficiary bank was asking for additional information. Since it was already delayed by 2 weeks I requested PNC to recall the transfer. 

I have since followed up with PNC several times and as of today ( XX/XX/XXXX ) over 2 months from the date of the wire transfer I have not received the funds back into my account. 
It appears that there may have been an error from PNC bank because they keep saying that the funds are with XXXX bank XXXX they are unable to provide me details of this, I told them that if they could that I would follow up directly with the bank ) however the funds were to be sent to XXXX bank and not XXXX bank. 

The details of the wire transfer are as below Date XX/XX/2019 Time XXXX EST Confirmation code : XXXX Amount : {$29000.00} According to the receipt the funds should have been available to the beneficiary by XX/XX/2019.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-18 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: DISCOVER BANK
State: FL

Complaint narrative:
I identified two fraudulent charged on my Discover statement to the card company in XXXX XXXX by phone. The charges took place on XXXX XXXX and XX/XX/XXXX respectively. Each charge is for {$1400.00}. I have explained there was a lag time in my reporting the charges as I had 6 or 7 credit cards open and all the balances were getting out of hand. I took out a home equity loan to pay off all my cards. That's when I noticed the fraud charges. I was told an investigation was started and charges were credited from my account temporarily. I called in frequently for status of the investigation and offered all the help I could. I was told the charges took place on a " square device '' by Discover reps. I was also told the XX/XX/XXXX charge was traced back to a hair salon in XXXX, Florida and the XX/XX/XXXX charge to a strip mall in XXXX XXXX, Fl. The merchant is listed as " XXXX ''. At one point Discover started to question my spouse, Mr. XXXX XXXX, who is not even listed on the account?! Repeatedly, we both assured Discover we have absolutely no knowledge of these charges. I was shocked when on XX/XX/XXXX " XXXX '' in Discover Fraud investigations informed me the investigation team determined no fraud took place. When I pressed him for the specific reasons he could not tell me only said that the " reassertion '' team knew that. That being said there was no way to speak to them??!! They send me a letter letting me know no fraud was found and I am to resume payments of XX/XX/XXXX.. again no reasons were stated. At this point I retained an attorney who sent a letter on my behalf to Discover explaining to they are in breach of contract and can not hold me responsible for the charges. I called in and was assured the letter was received and uploaded to their system. Then I was told Discover was still maintaining I am responsible for the fraud charges!!!??? They said a letter would be sent to me to this effect but not to my attorney??!! I am requesting that a full and through investigation into the charges be conducted. The only result is that the charges totaling {$2900.00}. be credited in accordance with the terms and conditions of the agreement regarding the treatment of fraud charges ASAP! My husband and I adopted XXXX babies from the state dependency system in XXXX. I work hard to pay the bills and keep my credit rating in tact for my family. Discover has been incompetent and at times deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
XXXX/XXXX billed me by snail mail AFTER the first payment cycle was due! They provided no online access instructions or emailed bill prior to this. I paid immediately upon receiving their written communication in the mail after signing up online, 2 days after their due date. They then refused to refund a {$25.00} late fee ( that they assessed on XX/XX/XXXX but backdated to XX/XX/XXXX! ) or a {$7.00} finance charge. All charges were assessed for merchandise that had actually been returned for poor quality. They also claimed I had failed to sign up for online statements though they had not yet provided me with the opportunity to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I previously filed a complaint against TransUnion credit bureau. The complaint was not handled. The company is legally and federally liable for accuracy of the reporting information, including score. It is by law. They can not arbitrarily choose a score that is low with no specific reason as to why it is low. That is a violation of the FCRA. Please open the complaint again and pursue 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 2019-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is an additional complaint from an original complaint that, to date, has not ben resolved. I will attach all correspondence including the response Chase Bank gave you and was forwarded to me as the answer to my initial complaint. I have also included the " Affidavit '' Chase required I sign, notarize and send to them. 

The basic problem is that Chase Bank has been holding {$180.00} that they have agreed is owed to me but continue not to forward the funds via check or deposit into my account. 

Please note, the bank account number I am going to provide is for a CLOSED account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/2019 XXXX initiated a unauthorized {$1900.00} withdraw from my XXXX checking acct. 
I called my bank ( XXXX ) to dispute who files a dispute and told me to contact XXXX also to dispute with them. I called XXXX customer service XX/XX/2019 at XXXX XXXX   who confirmed I do not have a XXXX   acct linked to that acct and told be they can not investigate it for fraud and to contact my bank. I find it to be unacceptable that they will not acknowledge the dispute and washed there hands with it advising me to contact my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The issue with this account is XXXX has not been able to provide any legal documentation that their was payment agreement between myself and the company. As mentioned before when XXXX is asked to provide this documentation they do not. XXXX does not have any paperwork between myself and XXXX showing I signed up for service or agreed to a line of credit. The credit agency is in violation. By law a creditor must provide proof. XXXX is not providing proof. They are only stating the debt is valid and not providing any paperwork to myself or the credit agency.

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