vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I was buying an international airplane tickets through XXXX XXXX, when I was about to pay my tickets a promotion was showing at the end " save {$250.00} and earn 40,000 miles when you get an XXXX XXXX, apply now ''. I proceeded to apply and lead me to another page, when I applied, I was approved " Congratulations ... you have XXXX '' but then an email was sent to me that I would received the card between 7 to 10 business days. Which means I can't use the card to pay my tickets at the end, usually at any store when you get a new cc you can apply your purchase to the new credit card immediately but it wasn't the case with XXXX Citi bank for my XXXX XXXX. I called XXXX XXXX and explained what happened, their answer was " is not on us there is nothing we can do about it, you ave to call Citi Bank cc. When I called CitiBank, they said " you have to wait till you receive the actual card to make your purchase ''. Now, the hold for an airplane ticket in XXXX XXXX is 24 hours only, impossible for me to pay these tickets with a credit card that will arrive in 7 to 10 business days. I hope you are able to understand my history, it seems to me that XXXX XXXX and Citi bank are playing with the customers, inciting us to apply for a credit card with the misleading promise that will apply a discount and provide us millages immediately. I believe this is an unfair business practices, and should be review it by the GOV. Thank you very much for your time and hope you can look after us. Applying to a credit card is expensive, then is not fair to be plaid by these kind of wrong 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 2021-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
I used leveraged money on top of my own to open a position with Robinhood upon cashing out the money to 1. Settle an account deficit per Robinhoods rules and regulations and 2. To withdraw the funds collected from the crypto that I profited I was surprised to see that my account had reversed charges and all of my linked bank accounts required further review I was not aware that trading a leveraged position using margin on a crypto currency would cause my account to need further verification and would leave the {$23000.00} dollars that were gained in financial limbo. Not only is the money sitting there in my withdraw-able cash portion of my account upon contacting Robin Hood I was told they would verify my accounts within 5-7 business days ( which they havent ) and that I need to contact their customer support on a separate ticket if the problem persisted, I did as instructed and was told theyd reach back to me in 2-3 business days ( which they also havent ).

Now I have no clue as to whether Im supposed to get a lawyer to access my money or to continue to wait a ludicrous amount of time while thousands of dollars just sit in limbo. I feel robbed and taken advantage of

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
Never heard of sw credit systems and why they should add a collections derogatory mark to my credit profile for {$59.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Ive contacted the credit bureaus on XXXX, XX/XX/2020 and XX/XX/2020 about removing a chapter XXXX bankruptcy off my credit report. They provided me with false information saying that they verified the bankruptcy with the court. Which was proven to be a lie, which goes against the credit fair act. Ive contacted the bankruptcy court to ask about this. They sent me a letter stating that they DO NOT verify, or send any information to credit bureaus. So ive been trying to have this bankruptcy removed from my credit report for quite sometime now. It is really holding me back from what im trying to accomplish. So im really hoping filing a complaint will help me. I have the letter from bankruptcy court stating they dont provide information, or verify with the credit bureaus. That i will attach. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: MI

Complaint narrative:
Ive contacted the credit bureaus on XXXX, XX/XX/2020 and XX/XX/2020 about removing a chapter XXXX bankruptcy off my credit report. They provided me with false information saying that they verified the bankruptcy with the court. Which was proven to be a lie, which goes against the credit fair act. Ive contacted the bankruptcy court to ask about this. They sent me a letter stating that they DO NOT verify, or send any information to credit bureaus. So ive been trying to have this bankruptcy removed from my credit report for quite sometime now. It is really holding me back from what im trying to accomplish. So im really hoping filing a complaint will help me. I have the letter from bankruptcy court stating they dont provide information, or verify with the credit bureaus. That i will attach. Thank you

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 2021-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a checking account on XX/XX/XXXX using promotion code XXXX. I followed and met the requirements such as direct deposits totalling {$1000.00} within 60 days of account opening. I am still waiting for the {$400.00} to be deposited into my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
Consumer portfolio sold the account in my name to another company after repossessing the car and selling it. The car was repossessed the year ofXX/XX/XXXXand the account was sold the company number it was sold to is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I put my money into XXXX wallet and now I'm unable to do anything to it due to " gas fees. '' I don't get a choice to even pay for gas fees, I can't get past the page to complete the transaction. I spent money to send it to my wallet and that was a waste.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I went to go pay my taxes on XX/XX/XXXX and was given a notice that my account has been suspended. When I called Chime on XX/XX/XXXX to figure out what's going on and they said they can't give me any information because the underlying bank was the one doing the freezing. I pressed them for over 30 minutes and was able to learn my account had been frozen for a few days ( they did not inform me ) and that if I wanted to do something about it, I could try to email their support and hope for an answer within a few business days. I pressed them even more and was able to learn that the source of the issue was deposits from XXXX and XXXX, both accounts that I have had for years. 

I sent a few emails to chime support after the call with all my XXXX and XXXX statements in a panic but did not get a response to the email with the attachment. 

I called that bank ( stride ) on the morning of XX/XX/XXXX and they said that's completely false information and I should call chime. I pressed them but they continued to apologize and say they really can't do anything and they have no access to the account and all I can do is try to resolve the issue with chime, repeating over and over again that chime had lied about everything. 

I called Chime again but just hung up out of frustration. Meanwhile they sent me a very questionable email with the following paragraph Written explanation necessary to validate the source of funds loaded to account regarding : ch recd c2c transfers and then offloaded the funds thru XXXX and XXXX.u may have received Desperate, I still sent them over all my personal information, but not so much as a confirmation email. 

I have no idea what to do. I'm self employed and have taxes due, not to mention XXXX XXXX rent and now to make everything worse, I'm terrified that they're going to use my personal information against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

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 2021-05-16 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: NJ

Complaint narrative:
From What I Understand, Hard Inquiries, On My Credit Report, Are Supposed To Be Removed, After 2 Years. I Have 2 Hard Inquiries ( XXXX And XXXX XXXX ). The 2 Year Period Was Up On XX/XX/2021. XXXX  And TRANSUNION, Refuse To Remove, The Hard Inquiries From My Credit Report. The 3 Credit Reporting Agencies, Hate To Raise A Person 's Credit Score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: TX

Complaint narrative:
I checked my credit report today XX/XX/XXXX and noticed that my score dropped XXXX points. When I went to check the cause XXXX XXXX was listed twice. Once for a credit card with a {$0.00} and then for car payments that has not been late. I have disputed the late pays once but why would my score change for old late payments and not recent late pays. I am disputing late pays for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Transunion is clearly in violation of the Fair Credit Reporting Act. I am absolutely fed up with them messing with my credit score and reporting inaccurate information. I send certified letters and it seems that my information gets ignored. Please assisting me in getting them to comply and report my information accurately. I have no late payments for XXXX  XXXX and my credit cards are at a {$0.00} 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 2021-05-16 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: TX

Complaint narrative:
I checked my credit report today XX/XX/XXXX and noticed that my score dropped 23 points. When I went to check the cause XXXX XXXX was listed twice. Once for a credit card with a {$0.00} and then for car payments that has not been late. I have disputed the late pays once but why would my score change for old late payments and not recent late pays. I am disputing late pays for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX  is clearly in violation of the Fair Credit Reporting Act. I am absolutely fed up with them messing with my credit score and reporting inaccurate information. I send certified letters and it seems that my information gets ignored. Please assisting me in getting them to comply and report my information accurately. I have no late payments for XXXX  XXXX and my credit cards are at a {$0.00} balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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:
I checked my credit report today XX/XX/XXXX and noticed that my score dropped 23 points. When I went to check the cause XXXX XXXX was listed twice. Once for a credit card with a {$0.00} and then for car payments that has not been late. I have disputed the late pays once but why would my score change for old late payments and not recent late pays. I am disputing late pays for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX  is clearly in violation of the Fair Credit Reporting Act. I am absolutely fed up with them messing with my credit score and reporting inaccurate information. I send certified letters and it seems that my information gets ignored. Please assisting me in getting them to comply and report my information accurately. I have no late payments for XXXX  XXXX and my credit cards are at a {$0.00} 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 2021-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
LOANDEPOT.COM, LLC owes me {$1200.00}. I refinanced my mortgage with LOANDEPOT.COM, XXXX. I locked 2.375 % with {$5500.00} in lender credits, as shown in the loan estimate. LOANDEPOT.COM, LLC took a long time to complete the refinance, which was not my fault in any way. At closing, LOANDEPOT.COM, LLC reduced my lender credits by {$1200.00} to {$4200.00}, as shown in the closing disclosure. LOANDEPOT.COM, LLC refused to restore my lender credits to {$5500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-16 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 — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
XXXX  XXXX XXXX Wed, XX/XX/XXXX at XXXX XXXX  Date- XX/XX/2021 Transaction id- XXXX Toll Free - XXXX PayPal Email ID XXXX, You sent a payment XXXX XXXX USD to XXXX We've asked the seller to ship. 

Thanks for using PayPal. To view the transaction details, log in to your PayPal account. 

If this was not you, Please call us immediately at XXXX report this incident and block this transaction It may take a few moments forthis transaction to appear in the Recent Activity list in your Account Overview. 
Seller XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Note to seller You haven't included a note. 

Shipping details The seller hasn't provided any shipping details yet. 
Description Unit price Qty Amout XXXX XXXX XXXX - 64 GB - Black ( Unlocked ) Item number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shipping and handling Insurance - not offered Total XXXX XXXX -- - XXXX USD *************************** There were two of these for the same $ $ $ amount. 
The 2nd was from .... 
XXXX XXXX XXXX Fri, XX/XX/XXXX at XXXX XXXX  Date- XX/XX/2021 Transaction id- XXXX Toll Free - XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - this was for the same XXXX  XXXX and for the same fake customer, XXXX XXXX of XXXX XXXX Neither of these are real XXXX They are both fraudulent. None of the thtee transactions actually appeared on my Paypal account as of yet. I just received my XXXX statment saying " there are no transactions '' in the recent history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: DE

Complaint narrative:
I lost my wallet in college years back and my identity was used to open fraudulent accounts such as XXXX  and capital one and those creditors are refusing to correct or verify how those accounts were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
From What I Understand, Hard Inquiries, On My Credit Report, Are Supposed To Be Removed, After 2 Years. I Have XXXX Hard Inquiries ( XXXX And XXXX XXXX ). The 2 Year Period Was Up On XX/XX/2021. EXPERIAN And XXXX, Refuse To Remove, The Hard Inquiries From My Credit Report. The 3 Credit Reporting Agencies, Hate To Raise A Person 's Credit Score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have reported this to criminal court in CA, NY and NJ. Several criminals at XXXX XXXX have stolen my debit cards and credit cards on Friday XXXX XXXX. The bank is refusing to send me a debit card at Wells Fargo. I do not have much money in my checking account. I have joint and beneficiary accounts, there, however, people are duplicating my phone numbers and blocking me from accessing my debit/ credit cards. I told them that I have a problem walking and they refuse to send me a new debit card. They told me that I had to walk into a branch. I believe that this CEO is XXXX and //or he is allowing a criminal at XXXX, XXXX, XXXX XXXX to access my banking accounts. The most frustrating thing is that it is painful for me to walk and they refuse to mail me a debit card. Lastly, they never respond to my complaints that I have submitted. The housing director, XXXX  XXXX, where I, temporarily, live has stolen a large sum of money and the bank is trying to protect her thievery. She is a XXXX non rich, jealous, woman and she is trying to steal everything from me and my father. She is also making my XXXX and other illness worse through hacking my wifi. I only needed one card to be mailed and they act like I am not entitled to a new card. This is the first time that I had a problem at Wells Fargo Bank. If XXXX XXXX, the thief, wants to get free money from the bank, then, the CEO should supply her with his money.

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 2021-05-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Today 's date is XX/XX/XXXX. I am trying to clean up my credit report and get rid of all the wrong information. Equifax is still showing XXXX XXXX XXXX from XX/XX/XXXX which they agreed to remove back in Late XXXX of XXXX. The reason for the removal is i never authorized and fraud had taken place. Equifax had told me they would remove this from my credit report if pen didn't respond within a certain amount of days which they didn't. I have tried to call equifax on this matter but i can never get a live person on the phone for the past few weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have the Chase Freedom Unlimited credit card account. They advertise a 5 % cash back reward when you book travel through their Chase Travel site. That is exactly what I did, but I did not receive the promised 5 % reward. When I called to complain about the discrepancy the clerk referred the matter for correction, as she could not explain the discrepancy. 
The dates and amounts are as follows : XX/XX/21 {$330.00}, XX/XX/21 {$160.00}, and XX/XX/21 {$92.00}. 
Today I received a reply back from Chase stating they were crediting me ONLY a 3.5 % reward, and ONLY for the XX/XX/21 charge. 

Please help me rectify this situation.

Company response to consumer: Closed with explanation