vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
There was an over draft fee of {$36.00} posted to my card with no alert I had funds in another account to transfer not informed. I checked and it was less than 24 hours.

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 2020-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KINGS CREDIT SERVICES
State: MA

Complaint narrative:
Paid the account got the documents stated I paid but the credit card company willnt take it off my credit it still say need to pay and late payments XXXX XXXX and XXXX XXXX on my credit it says XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/2020, I was attempting to purchase a computer at XXXX on my Apple Card. The purchase was declined. I talked with multiple representatives at Apple/Goldman Sachs ( the underwriter for the card ), but was unable to use the card, even though the purchase was well below my limit. The credit card rep could not give a reason as to why the purchase would not work. I ended up using another card after spending about 50 minutes on the phone with the credit card company trying to get the issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I been a Synchrony bank/J.C Penney credit card customer for at least five years now. However, recently for reason unknown to me Synchrony bank first, resorted to preventing me from using my card and second has closed the account altogether. I last, checked in on XX/XX/2020 and was surprised to see the account status as closed for no good reason. As previously stated the account has been open for about five and in such time not a single payment has been made late nor is there a due balance on the account. I was neither informed of synchrony bank intentions of closing my account and in fact planned to use it soon. In such case, I consider synchrony bank acts as direct violation to my civil rights since as an ideal and paying customer I should have at least been informed of such action.

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 2020-02-12 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: CITIBANK, N.A.
State: KS

Complaint narrative:
This is regarding dispute number XXXX I withdrew all my disputes for the year with XXXX in order to work directly with them on an outcome after XXXX in the executive office accused me of misrepresenting disputes with XXXX, XXXX XXXX, and Home  Depot  ( all of these are now resolved, see other CFPB complaints ) on a call recorded for quality assurance with Citibank. Please reference the following previous CFPB complaints regarding the conversation with XXXX : XXXX, XXXX, and XXXX. She was non-objective, accusatory, and totally rude. I am asking that the CFPB listen to the content of the conversation. 

I withdrew the disputes through their dispute summary online but also e-mailed billing disputes directly in case there was a problem, Citibank 's dispute summary was acting like it would take a withdrawal and then would reverse it. I had to go back through the account history several times to get several disputes to withdraw. 

After I withdrew the dispute, I received a letter from Citibank through the Notice 's and Letter 's page stating the {$5.00} was permanent as they received reimbursement from the merchant. They state I indicated in my letter that I wanted to dispute this with the merchant. They state they had already done that for me and had closed the investigation of the dispute and were not making any adjustments on the account. 

So, I told XXXX XXXX district manager that they didn't need to reimburse me for this charge. 

I just logged on to my Citibank account. On XX/XX/XXXX, a reversal for {$5.00} for XXXX  came through my account. It shows the original purchase date of XX/XX/XXXX. So despite what Citibank stated in writing, they reversed the charge.

So now, I have to revise my figure to the district manager. I am completely frustrated with how Citibank 's billing dispute department is handling this account. I am including all the supporting documentation for your records, which includes my withdraw, the follow-up e-mail to billing disputes, the dispute letter they issued through their Notice 's and Letter 's page dated XX/XX/XXXX, and the reversal they made on my account on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: TX

Complaint narrative:
What Is the Fair Debt Collection Practices Act? 
The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity. The law, amended in 2010, restricts the means and methods by which collectors can contact debtors, as well as the time of day and number of times contact can be made. If the FDCPA is violated, a suit may be brought within one year against the debt collection company and the individual debt collector for damages and attorney fees. 

COMPANY VIOLATED THIS LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
What Is the Fair Debt Collection Practices Act? 
The Fair Debt Collection Practices Act XXXX FDCPA XXXX is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity. The law, amended in 2010, restricts the means and methods by which collectors can contact debtors, as well as the time of day and number of times contact can be made. If the FDCPA is violated, a suit may be brought within one year against the debt collection company and the individual debt collector for damages and attorney fees. 

COMPANY VIOLATED THIS LAW

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 2020-02-12 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: TX

Complaint narrative:
What Is the Fair Debt Collection Practices Act? 
The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity. The law, amended in 2010, restricts the means and methods by which collectors can contact debtors, as well as the time of day and number of times contact can be made. If the FDCPA is violated, a suit may be brought within one year against the debt collection company and the individual debt collector for damages and attorney fees. 

COMPANY VIOLATED THIS LAW

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 2020-02-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i had 2 Kohl 's Charge cards, made full payments on time all the time. One day I made a full payment on the wrong account before the due date but did not notice the error it until the statement came with late fees and interest charges. I called the costumer service and transferred payment from one to the other. They apparently waived the late fee but not the interest and the next month late fee on unpaid interest shows up. I called again and rep refused to hear my explanation and refused to connect me to a supervisor. Later on a second attempt they agreed to connect me to a supervisor but was on hold for 20 min. Meanwhile, every month I am getting a late fee charge for an interest that should not have been charged at all. They are only interested in taking your money, not in customer satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: CITIBANK, N.A.

Complaint narrative:
In the month of XXXX, 2019, I stayed at a hotel in the country of XXXX for two nights. I paid for my hotel stay using my XXXX Citibank card and by using the XXXX App. The cost of my two night stay was approximately {$260.00}. No problems so far. 

Some time after my stay at this hotel, I saw on my credit card statement an additional charge of {$1800.00} issued by the hotel. The name of the hotel is XXXX XXXX, XXXX. 

I immediately called Citibank to dispute this charge. Citibank suggested I call to hotel to attempt to find answers to the problem. I did, four times, but nobody was able to offer me any information on the charge. With that, Citibank began an official investigation. They gave me a temporary credit of {$1800.00}. 

On XX/XX/XXXX, I received a message from Citibank saying the dispute had been resolved in the merchant 's favor because the cost of the two night hotel stay was {$260.00} and I had indeed stayed for two nights. They had investigated the wrong charge! And then they removed the conditional credit of {$1800.00}. 

I emailed them back immediately, letting them know that they had investigated the wrong charge, as evidenced by the fact that my conditional credit was for {$1800.00} but the documents they had sent me were discussing a different amount. 

Three weeks later, I got a reply that they had reinvestigated a charge of ... {$260.00}. Again, they had investigated the same unrelated charge! Despite the fact I had gotten a conditional credit for {$1800.00} back in XXXX, Citibank was continuing to investigate the charge of {$260.00} for my original two night stay at the hotel, a charge that I never disputed. 

I have emailed Citibank again over this but have gotten no reply. Meanwhile, the charge of {$1800.00} continues to charge me nearly 30 % interest. 

I am attaching the 3 documents I have so far received from Citibank. If you look at them in order, you can see the absurdity of the situation at hand. 

I would be grateful for any assistance on this matter.

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 2020-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
UNITED REVENUE CORP XXXX and XXXX  charging me for ID theft law said i get a whole copy of my report not partial

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
I spoke to FNB Bank of PA on XX/XX/2020. I had problem with XXXX double billing me for my services. I explained to the bank my issue. The did nothing to help me. I was able to speak to XXXX  to have the funds returned to my account. In doing so i was charged traditional overdraft fees. FNB Bank of PA does not post in a timely manner. I which caused me to have an additional overdraft fee. 
I called them back on XX/XX/2020 to resolve this manner. Even based on the date that return was done. They still charged me an additional overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN BUSINESS CRED Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit bureaus Contact Information XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, DE XXXX BYMAILONLY EXPERIAN BUSINESS CRED Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit bureaus Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Mortgage reporters Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, DE XXXX BYMAILONLY all inquires are ftc violations that need to be removed

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 2020-02-12 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: CITIBANK, N.A.
State: KS

Complaint narrative:
This is regarding dispute number XXXX. 

The charge was on XXXX, it was disputed on XXXX, and a permanent credit with no additional documentation was issued in my favor on XXXX. I am submitting additional documentation for your records for Citbank 's record 's because billing disputes doesn't seem to be doing their jobs properly. 

As you can see, my copay was {$10.00}, but XXXX XXXX billed me {$20.00} in error. I reported the problem to XXXX XXXX and they failed to reverse the charge, so I disputed it. Over two months later, within the dispute period, XXXX XXXX finally issued a credit to my account on XXXX. So they were obviously alerted by Citibank to the continued problem with the billing error and credited the account. But it appears Citibank had yet to catch their credit because the disputed history still showed the amount as permanent on XXXX. I figured Citibank would eventually reverse the charge, honestly forgot about it as well, but Citibank didn't reverse it until I withdrew it and notified them in writing. 

I am assuming Citibank didn't catch it is because it was listed as a permanent credit? I tried to search for a {$10.00} rebill through Citibank 's transaction history, but I was never able to find one at the time because their website kept kicking me out and sporadically would not perform searches properly So, I ended up having to comb through my statements that I have saved for my records. I still can not find a rebill for {$10.00}. 

I also need to verify that this charge was not listed as misrepresented. If it was listed as misrepresented, I will need to take it up with XXXX XXXX 's as well at the state healing board. 

I am including the following documentation : a copy of the XXXX XXXX 's dispute, a copy of their eventual credit dated XXXX, my XXXX XXXX XXXX XXXX XXXX claim, the XXXX XXXX 's withdraw, the XXXX XXXX 's rebill that shows a posted date of XXXX ( this is well before my withdrawal dated XXXX, so I am unclear why they used this date ), and a screen print of the alert I sent to billing dispute. 

Finally, they should have asked me for all of the supporting documentation during the dispute period.

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 2020-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
On XX/XX/2020 I purchased a vehicle at XXXX XXXX in XXXX, Wisconsin and the dealer secured financing from ALLY Financial. I was never provided a title supposedly because Wisconsin requires the title to go to the lien holder. I am a Missouri resident which is a title holding state. To register and license a vehicle in Missouri you must have the title otherwise you can not do anything with the vehicle. I have tried numerous times to reach out to Ally by email and phone to get the title and explained to them that without it I can not even drive the vehicle purchased. They refuse to give me the title. I have sent them information on Missouri regulations for titling a vehicle from the DMV. My local DMV has tried contacting them also. They will not provide the title so I can not drive my new vehicle and am incurring late fees for titling the vehicle. There is no resolution in sight as they will not budge or even respond to my emails now.

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 2020-02-12 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: Mobiloans, LLC
State: MS

Complaint narrative:
There is an account with Mobiloans on my credit report that I have no knowledge of. Amount is over 2,000 . It does not belong to me.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I went to dispute my credit report, there was many discrepencies post on XXXX XXXX site bothe with transunion and XXXX. I disputed some items on transunion side of credit karma then went to post disputes on XXXX  site and it blocked me from doing so saying my wifi dropped..it did not drop at all just a blocking tactic.im using the same wifi to send this message to you minutes later after attempting to dispute the incorrect aligations on my reports..the dicrepencies has made my hard work keeping a high score impossible..these action against me has dropped my score over 42 points just on these recent discrepancies and 10 points the first time in 2 weeks..these discrepencies were added to my account before the next 21day credit reporting scheduale..these credit repoting companies tied to XXXX XXXX  pretty much change your score if it gets any kind derogatory information in a blink of an eye and any good information is applied in 30 days..these practices are very unfair to the comsumer and are life changing everything you do is based on your credit report, loan rates, housing, mortgages, applying for credit, so on and so on.I have no wau of sending documats to show these credit number drop because I'm using credit karma site to report this and do not want to loose this report doing so..NOTE .the CFCB system will not take my ssi number reporting..NOTE I WOULD LIKE THIS REPORT TO GO TO XXXX XXXX TO.THERE ARE NOT LISTED UNDER YOU SYSTEMS LIST OF CORPORATIONS LIST.thank you XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
There is an account with XXXX  on my credit report that I have no knowledge of. Amount is over XXXX . It does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I opened a Citibank checking and savings account, they offered a {$500.00} promotion to open the account and complete activities. On XX/XX/XXXX, Citibank confirmed via chat that I met the requirements and that it would automatically post on XX/XX/XXXX. 

I chatted with Citi on XX/XX/XXXX and they were not helpful, would not provide an email address for me to submit the chat transcript. They said promo code was not applied on my account and that I had to call in to a promotions team. This completely contradicts what they told me on XX/XX/XXXX. 

Later on XX/XX/XXXX, I contacted Citi on XXXX. They said I do not need to call a promotions team. They stated that bonuses that met the 90 days in XXXX would automatically post during the first ten days of XXXX. The bonus still has not posted. I contacted Citi on XXXX  XX/XX/XXXX, they stated I had to call the promotions team. Once again, they would not resolve the request via written communication.

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 2020-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation