vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-29 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2018. I am boarding XXXX Flight from XXXX  to XXXX. Ticket is purchased with my AMEX XXXX XXXX Credit Card which printed on my boarding pass. Per AMEX XXXX XXXX Credit Card Terms and Condition which i should entitle ZONE 1 Boarding however i been assigned to ZONE 4 Departure. I have contacted AMEX and XXXX to inquiries about said Terms and Conditions and found out there is no communication between XXXX and AMEX. AMEX is charging {$95.00} annual membership fee and card holder should entitle for the benefits listed on the AMEX Card Terms and condition. however XXXX stated cleared in their the email that XXXX XXXX XXXX ticket holder do not entitle to AMEX benefits. However the said Terms and conditions is not listed anywhere in the cardholder agreement. 

see below from AMEX : Thank you for your continued patience. Please see the following : " Priority Boarding Card Members are entitled to receive Zone 1 Priority Boarding on XXXX flights. Benefit is limited to Basic Card Members ( not Additional Card Members ) with the Gold, Platinum or Reserve XXXX XXXX  Credit Cards. Reservation must include the Basic Card Member 's XXXX number. Priority Boarding is also available for passengers traveling in the same reservation as the Basic Card Member. Maximum nine passengers per reservation receive the Priority Boarding. Priority Boarding will only be available on XXXX and XXXX Connection carrier operated flights. XXXX does not offer Priority Boarding on XXXX XXXX  flights. New Card Members and Card Members upgrading from another XXXX XXXX Credit Card product from American Express will be eligible for the Priority Boarding benefit after receiving their Card from American Express. Offer is subject to change without notice. Additional terms, conditions and restrictions may apply. See XXXX XXXX XXXX for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I bought a Laptop from best buy for about {$1400.00} in XX/XX/XXXX, I was told if I opened a credit card I would get 1 full year to pay it off without interest after making over {$1200.00} of the payment leaving only a balance of {$200.00} I was unable to contact them. I called over 20 times and they were unable to find me in the system to make a payment. I received a letter via XXXX in XX/XX/XXXX stating I owe close to {$600.00} I called again and they were unable to find me. after giving them all my information many many times they realized that my social security number and phone number and name are all incorrect after figuring out the right information I requested they fix the issue so I can make a payment of about {$200.00} or even {$250.00} that said they will not drop a XXXX down and want {$600.00}.

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 2018-12-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: AL

Complaint narrative:
On XX/XX/2018 I called Capital Accounts at ( XXXX ) XXXX to inquiry about a negative item on my credit report. I paid the debt and received a letter stating such. 

On XX/XX/2018, I called Capital Accounts because I wanted to know if and when they would contact the credit reporting agencies to report the debt as paid so the item would be removed by the agency. 

Before I was able to get a word in the representative said Yes Mr. XXXX I spoke with you yesterday and you want to set up a payment arrangement for the {$61.00} for XX/XX/2018 and that is something we will not do. 

Knowing the debt was satisfied I asked him if he wanted to review the account and then re address why I was calling. His response was I dont know. 

The representative was attempting to collect on a debt that was satisfied which is against the law and the representative refused to delve into my account in order to address my issue. 

I was transferred to a supervisor who told me his name was XXXX XXXX but instead of focusing the conversation around my complaint all the supervisor wanted to discuss was another account he had in his office for {$650.00}. I attempted to tell him that is not what I want to talk about but rather the incompetence of his collector but all he wanted to do was strong arm me into addressing an account that is not even with his agency. That account is with another agency and had already been set up on a pay plan. 

Capital Collections attempted to collect on two debts by making false statements and should be sanctioned accordingly.

After starting this complaint I called back to Capital Accounts as to inquire about the account number to associate with this complaint. A representative picked up the phone and addressed himself as Hello this is XXXX. I asked for an account number associated with an account that was satisfied and the collector said Mr. XXXX, please and proceeded to hang up on me. The company has refused to take any of my calls as to help me with my credit inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
In XX/XX/2018, I received alerts that two collection accounts had been added to my credit reports. I looked into the matter and noticed they were from XXXX/Resurgent in the amounts of {$2900.00} ( the cents change ) and {$1100.00}. I sent certified letters asking for proof that I have a contract with this company. Validation was " confirmed '' through a letter by simply stating it was verified. They provided me with no signed contract or any paperwork for that matter. I sent a second round of certified letters asking for validation. ( Please see attachments ) XXXX/Resurgent then sent a letter on XX/XX/XXXX, days after they received my second round of letters, stating they will not continue to respond to my request for validation without additional information. I have no additional information! I have no information other than what is reporting the the credit bureaus. This company is in violation the FCRA and FDCPA. They have no contract with me. I owe them nothing, yet they continue to badger me with letters and report this erroneous information on my credit reports. I also contacted the credit bureaus. They have " verified '' the information. Interestingly, they too were unable to produce any documents of my signature showing these accounts belong to me. Other than empty rhetoric, XXXX/Resurgent had nothing to offer by way of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CITI Bank I Payment On timeclosed my account without notice or confirmation. 
Account Type : Flexible Spending Credit card Date opened : XX/XX/XXXX Hight Balance : {$3000.00} ( I payment on time, Why have Hight Balance??? )

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 2018-12-29 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My card was used in XXXX on XXXX XXXX  a purchase that was supposed to be returned and never did

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 2018-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: PA

Complaint narrative:
Told them debt was not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was sick and missed my payment by one day. I called Citibank on XX/XX/18 and was told there would be no late fee or interest. Payment made in full on XX/XX/18. Payment was due on XX/XX/18. Today I learned Citibank charged me interest of {$19.00} and late fee of {$25.00} which posted on XX/XX/18. Today I asked Citibank to listen to the call as their rep told me no fees. They agreed to waive the interest fee not the late fee.i am requesting the {$25.00} fee as well as I was told no fees. Now they told me they will listen to the call I had w their rep on XX/XX/15-18 and I would have to call back. Been a customer for years and pay my bill each month in full. Sometimes we forget things. My son is a XXXX XXXX for six years and now u am sick. My time is valuable and I spent over one hour on the phone today and now I have to file a complaint. I feel Citibank is protecting their employee who gave incorrect info. Another rep today told me they have no recording but the second rep said he did listen to call and then said he has to listen to call. They appear to be sneaky and dishonest. This is not an ethical way to treat a customer.

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 2018-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Since XXXX the three main bureaus primarily Equifax hindered sending me my updated and complete bureau reports. 
I am XXXX, publicly assisted and feel violated by the childish games they with phone banks being transfered to out of the united states customer services agents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I bought a necklace off of PayPal for {$5000.00}, XX/XX/2018. After days, PayPal cancelled my payment. Which forced to to keep money in my PayPal balance. I rebought the item from my balance and paid. I got the item. After days of having it, I decided to get it checked. The item was fake. Fake gold necklace. I wanted my money bsck. The seller refunds me but PayPal limits my account. My money is in PayPal account ( my refund ) and they are not letting me get MY OWN refund off of PayPal. So my money is sittin there and they said I have to wait 180 days. Which is not right. Its my money. I paid with. I want my account to just be opened for me to withdraw my own money and I will be fine not using thier services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
First of all this was a timeshare. I paid XXXX for 2yrs even paid off 1 property. But they were misleading and unfair on how I would be able to use the property and when I could have access. So, when I wanted out, they wouldn't let me out. And I agreed to pay a certain amount to keep my account current to keep them from filing late on my credit report. But, they took my money and didn't hold up to their end of the deal. 
Then when I tried to contact them, all discovered they had went out of business or been sold to XXXX XXXX XXXX and my accounts had been closed. 
For 2 years I hadn't seen or received anything from XXXX, Now in XX/XX/2018, two accounts appear on my Experian report as delinquent. I filed disputes with Experian to have them removed with no success. 
I feel I shouldn't be responsible to pay for a timeshare that had bad business practices and unfair consumer practices.

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 2018-12-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX/TD Account Type : Credit Card Account Verified : XXXX Hight Balance:XXXX I payment on time, and payfull Balance, Why closing my account! No notification

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Company Name : IQ Data Manager name as she stated. XXXX XXXX I had been working with an agent here in regards to the debt. Over time, she would call monthly to schedule a payment. There was a month, I was unable to make a payment, but I still was able to pay it when the company withdrew the funds out of my account unknowingly after I had communicated with them. I contacted the company about it and I was rudely disrespected by an agent who hung up the phone on me the first time. I was so shocked because I wasnt treated that way by the first agent. If this is all recorded, they should have proof. On XX/XX/XXXX, I I contacted the depth collector myself as I usually do discuss arrangements about paying my debt. I spoke with a young lady who later transferred me to a manager because I had a question. The initial first time in XX/XX/2018, I was rudely talked to buy one of the agents there. I was transferred to a manager and she apologize for the agent that was talking to me very rudely. The manager name XXXX XXXX came on the phone and again talked to me abruptly as well as cut me off. She rudely kept reminding me of what my debt was. She was being very overly excessively rude and it stressed me out to the point to where I do not want to deal with this debt collector or make a payment to Them because this is the second time I have experience this and he has cause me a lot of anxiety. If I didnt want to handle the debt. I wouldnt call them. If this is the way these debt treat human beings, I never want to deal with them period. Its quite disrespectful and degrading to speak to anyone in this manner.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX/CBNA Account Type : Charge Account Account Verfied : XX/XX/XXXX Date opened : XX/XX/XXXX High Balance {$1700.00} Debe was result of identity theft!! 

Contact with banks has not been resolved

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 2018-12-29 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: TX

Complaint narrative:
Dear Mr. Chairman & CEO XXXX or American Express Executive : American Express approved and opened my application for a XXXX XXXX credit card in XX/XX/XXXX with a welcome offer for XXXX XXXX points after meeting a minimum required spending of {$3000.00}. On XX/XX/XXXX, American Express did confirm by phone and chat that I did meet the qualified purchases of at least {$3000.00}, but American Express unfairly deny the welcome bonus based on a reasoning that 2 or 3 of my past accounts in which I was only an authorized user was opened or closed in XX/XX/XXXX. In fact, as only authorized user, I had no control of why the account was opened or closed then ; however, American Express is now unfairly deny the welcome bonus for my current XXXX account that is still open and in good standing. Therefore, I respectfully request a fair reconsideration and extend the welcome bonus as promised. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
XX/XX/2018 To Whom it Concerns, My Capital One credit card statement of XX/XX/2018 is incorrect by {$1600.00} plus interest! I contacted customer service in regards to this on XX/XX/2018. I did this when I made a {$500.00} payment on the account. The customer service representative XXXX ( XXXX ) said she would forward the information to the department that would correct the improper balance. She concured that the balance was improper. She could see that instead of a payment being reversed back to the account just one time it was incorrectly reversed two times back to the account. This was due to two different card numbers because I reported lost stolen and fraudulent payment made on my account. The same single account. I have never made a payment online!!!! I have only made all my payments from the same checking account. My phone was hacked!!! I reported right away and changed my password on my online account. I have had this credit card for several years now and I have always been responsible and obedient to terms and conditions. I also have no criminal record. I also have worked for a credit card company. I was told by the customer service representative that this statement would be corrected. She also did not inform me that I was supposed to write to capital one to report error in billing. Conversation was recorded and I spent 2 hours on the phone that day with the company. I was lied to by Capital Ones customer service representative and I was not informed proper on how to dispute the error in the billing. I want this corrected this is simple reading and math to correct this billing. I want all my interest for this mistake credited back for XXXX, XXXX, and XXXX statements. I have attached the statements of XXXX and XXXX. I also have enclosed a spreadsheet showing the improper calculation of statement. Please do the simple reading and simple math. I should not have to hire a professional accountant for a witness and an attorney to get this straightened out. This is horrible! 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I opened a money market 360 account with Capital One in order to obtain a bank account bonus of {$500.00}. The bonus code was : XXXX and the terms were to deposit {$50000.00} or more by XX/XX/XXXX. It did NOT state the balance had to be above {$50000.00}. I completed {$50000.00} in deposits on XX/XX/XXXX. I called on XX/XX/XXXX to see why my bonus had not been paid. They claimed it was because I had not obtained a balance of {$50000.00} even though this was not stipulated in their terms and conditions. The terms and conditions are attached below : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX ET on XX/XX/XXXX, and XXXX XXXX ET on XX/XX/XXXX. 
When you open your account, enter your promotional codeXXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). 
If you have or had an open savings product with Capital One after XX/XX/XXXX, youre ineligible for the bonus. 
This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. 
Bonus is only valid for one account Capital One will deposit the {$500.00} bonus money into your account within 60 days after completing the above conditions. If your account is in default, closed, or suspended, or otherwise not in good standing, you will not receive the bonus. 
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I opened a money market 360 account with Capital One in order to obtain a bank account bonus of {$500.00}. The bonus code was : XXXX and the terms were to deposit {$50000.00} or more by XX/XX/XXXX. It did NOT state the balance had to be above {$50000.00}. I completed {$50000.00} in deposits on XX/XX/XXXX. I called on XX/XX/XXXX to see why my bonus had not been paid. They claimed it was because I had not obtained a balance of {$50000.00} even though this was not stipulated in their terms and conditions. The terms and conditions are attached below : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX ET on XX/XX/XXXX, and XXXX XXXX ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/XXXX, youre ineligible for the bonus. This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account Capital One will deposit the {$500.00} bonus money into your account within 60 days after completing the above conditions. If your account is in default, closed, or suspended, or otherwise not in good standing, you will not receive the bonus. All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Company response to consumer: Closed with explanation