vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
In XXXX of 2020 I received an advertisement in the mail from HSBC bank. The offer in the advertisement was that If I open the HSBC account online using the code provided in the mailer I would receive a {$700.00} bonus for opening the account. The bonus would come as a 2 % each back on my direct deposits for 12 months, Up to {$60.00} per month. I set up the account as per instructions and meet all the minimum requirements for this offer : Set-up required Qualifying direct deposits from a third party to my HSBC Premier checking account. In my case, this was direct deposits of my paycheck from my employer exceeding {$5000.00} per month. In the following months I never received the cash back. I have contacted the bank numerous time both via the telephone as well as in person in the branch. I have never been told that I dont qualify for the offer nor explained why it was never fulfilled. I wen to the branch on XXXX XXXX in XX/XX/XXXX XXXX as recently as Middle of XXXX of 2020 and was promised a follow up XXXX inquiry, but never did. The bank failed to fulfill their obligation to me or even provide and explanation as to why they wouldnt. Contacting the bank has produced no result whatsoever. Im left with very few options except to file this complaint and other complaint with government organizations that oversee the bank. Thank you for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX  XXXX  XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, AMERICAN EXPRESS add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NV

Complaint narrative:
I used a referral link https : XXXX to download the XXXX  app, but I saw no confirmation upon sign up nor did I see anywhere within the app to add my referral. I requested by email that XXXX confirm the referral is on my account and that I will get the {$50.00} bonus if I receive a qualifying direct deposit of {$500.00} or more. XXXX email and phone support agents refused to acknowledge my promotion eligibility despite it being publicly offered here XXXX XXXX XXXX and me fulfilling the signup terms. 

I used the referral link https : XXXX. It goes to the XXXX website. The website then links to the XXXX and XXXX app store, with no personalized referral link, where I downloaded the app. I signed up assuming I was a referee. Nowhere in downloading the app nor in the signup process did it allow me to enter the referral code, or " order a card using the link provided '', or display the referral code in the original URL link. I asked XXXX by email and phone to please confirm the referral code XXXX  : XXXX is on my account as a referee. XXXX said it was unable to provide any confirmation and admitted by email that its system does not even allow the bank to confirm which codes are on which account : " Please be informed that we do not have visibility of your referral code and usually referral code will be included to the referral link email that you received. '' XXXX advertises the referral program but provides no way for referees to confirm the referral promotion is applied to their account nor eligibility for the {$50.00} promotion upon completion of the {$500.00} direct deposit. None of my account creation emails or materials provide any confirmation nor terms of the bonus despite this being advertised to the general public and the referral links successfully linking to the website. 

This is unfair and misleading as it tricks consumers into thinking they are a referee eligible for a {$50.00} promotion, thereby eliciting a direct deposit of {$500.00} with a promotion that is promised to the consumer but without confirmation of the terms provided before depositing the money. This also harms referer 's and robs them of their {$50.00} for the time they spent in acquiring referrals. XXXX is unfairly and deceptively tricking customer-referrers into advertising the product, promoting its website, and new referees depositing money with no confirmation of the terms nor way to track the earning of the promotional value offered. 

To date, I have received no automatic confirmation nor will XXXX provide a manual confirmation of the promotion being applied nor that it will be honored manually.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX and the debt collector below ( Carter Young ) has placed an account ( XXXX XXXX / {$440.00} ) on my credit report. I CONDITIONALLY ACCEPTED CARTER YOUNG 'S CLAIM UPON BONA FIDE PROOF ( in good faith and without deceit ) that your claim is lawful and valid. Carter Young refused respond to my letter as directed because " I don't owe a debt to Carter Young ''. This means that Carter Young has no right to report this account on my credit. Carter Young did in fact send a statement with conflicting dates as to when they initially verified the debt. This proves that Carter Young is committing fraud. I will attach all supporting documentation.s Carter Young XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
COMPLAINT : Unfair and Deceptive Business Practice - Citigroup Inc . 

COMPLAINT TYPE : Unauthorized Credit Card Charges to an Expired Credit Card COMPLAINT DETAILS : XXXX XXXX magazine is a publication of XXXX XXXX XXXX with the business address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX,XX/XX/XXXX XXXX. XXXX XXXX XXXX provides XXXX XXXX magazines to third party Internet vendors like XXXX with the business address of : XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX. 

XXXX has been providing regular copies of XXXX  XXXX magazine to me since XX/XX/XXXX and has been charging my expired XXXX XXXX XXXX XXXX XXXX XXXX Card number for the last three years without delivering NOTICE in invoice form to me or obtaining affirmative authorization to charge my credit card for each renewal period. The annual charges are about {$30.00} per year. Such can not be documented because XXXX provides no invoice, receipt or documetation regarding transaction amounts. 

These transactions were made possible by a surreptitious process within Citigroup Inc. [ Citi ] whereby credit card transactions, without the merchant providing a current credit card number, expiry date or CVV ( " Card Verification Value '' ) number, translates expired credit card numbers to the customer 's current account and credit card number, which constructively allows the merchant to perpetually charge the card holder. 

Citi customer service was contacted by telephone and it was verified that this translation process is an existing process within the Citi credit card processing centers and that customers may not opt-out of this automated translation process. 

The inclusion of expiration dates on credit cards is a well accepted fraud prevention measure designed to protect customers from charges processed without proper NOTICE or authorization. However, Citi has clearly abandoned this due diligence mandate to cross-check and verify transactions using credit card numbers, expiry dates and CVV numbers and instead has created a process to collude with merchants like XXXX who are making unauthorized transactions to the peril and financial harm to customers. 

Whereas, I have contacted, without relief, XXXX XXXX XXXX, XXXX and Citi today in good faith to resolve this systemic controversy, I am filing this complaint praying that this practice will be deemed an unfair and deceptive business practice that must cease and desist as soon as possible.

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 2020-11-25 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: NJ

Complaint narrative:
Hello, I was reviewing my Credit report and I realized a few things that needs to be corrected. 

- XXXX XXXX - Account Number : XXXX On XX/XX/XXXX, All three Credit Bureaus reported this account to be 30 days late, however I use Autopay for this account. Please note, the auto debit has never been late. Please update my payment history to on time/ paid as agreed. 


- XXXX - Account number : XXXX Transunion reports the date the account was opened was XX/XX/XXXX where as XXXX  reports a date opened of XX/XX/XXXX ; XXXX  does report anything. 

Transunion reports the date last active was XX/XX/XXXX where as XXXX  reports the date last active to be XX/XX/XXXX ; XXXX  dies report anything - XXXX AES - Account Number : XXXX Transunion reports the number of months in the loan to be XXXX whereas XXXX reports the number of months to be XXXX ; XXXX  reports nothing. 

Transunion reports the date last active to be XX/XX/XXXX whereas XXXX  reports the date last active to be XX/XX/XXXX ; XXXX  reports nothing. 

XXXX  Reports that this account was 30 days late whereas Transunion and XXXX  reports nothing. 

XXXX  Reports that this account was 60 days late whereas Transunion and XXXX  reports nothing. 

XXXX Reports that this account was 90 days late whereas Transunion and XXXX  reports nothing.

XXXX Reports that this account was charged off ( CO ) whereas Transunion and XXXX reports 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 2020-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
THE PREVIOUS ADDRESSES AND EMPLOYERS ARE NOT FACTUAL I NEVER LIVED THERE AND WORKED THIER, PLEASE REMOVE NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I had auto-pay turned on on my account and Chase at some point turned it off. I spoke with a manager and they said they can not tell me when they turned it off. This caused a late payment in XX/XX/2020 because I was relying on auto-pay to pay the bill on time. After speaking with a manager today he hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
I was on a payment plan with American Express where we agreed they would draft {$160.00} on the XXXX of every month. In early XXXX, I paid the card in full. On XX/XX/2020, I received a letter from American Express stating that I have completed the payment plan. The letter specifically says " The scheduled payments set up as part of your participation in the Program have now ended. '' Also, the letter says I can chat on their website with questions. 

Today, XX/XX/2020, a payment was drafted for {$160.00}. I got on the website and tried to cancel autopay, but there is not an option. The website also says I am scheduled to be drafted again on XX/XX/2020 for {$160.00}, which I don't even owe. I chatted with a representative and asked them to please cancel this. They said it can only be cancelled by calling a special number. I explained to them I have issues with my cell phone and can not easily make calls, as well as a very busy work schedule that conflicts with the hours they are open. They said they can not help me and indicated that they will continue to draft the payment I do not owe unless I call a certain number. 

Considering I received a letter that says my scheduled payments have ended, this is highly deceptive and unfair. They are making it hard for me to cancel an auto payment when I don't even owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/2020 @ XXXX or XXXX XXXX  literally from one transaction to another chime bank closed my account without any notification! When I call the support number its states my account is closed or suspended and directs me to the email. Which I have been emailing since last night and only gotten some automated message back with no real response or resolu. tion!!! I just moved states and need my money ASAP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been using a service called XXXX which will give you a temporary card to use for purchases while then breaking the transaction up into 4 transactions charged over the course of 8 weeks. My main credit card is a Capital One credit card and they have suddenly decided they will not allow their cards to be used by XXXX, meaning I can no longer use XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: NY

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my 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 2020-11-25 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: Kentucky Higher Education Assistance Authority
State: MO

Complaint narrative:
I continue to receive letters from The Kentucky Higher Education Student Loan Corporation advising my loans are in default which is incorrect and a blatant lie. I believe they are trying extort full payment of my loan to keep the information off my credit record. I am current on my loan payments and have been current for approximately several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Issue Summary : I initiated the transfer of {$40000.00} dollars on XX/XX/2020 to my fathers account in XXXX via Bank of America account ending in XXXX. 

I got a notification on XX/XX/XXXX that the transfer is completed. The Bank of America charged me transfer fee of {$45.00} dollars along with {$40000.00}. After one week of completion, I contacted Bank of America and inquired about that my father has not received the funds and what is the status. The wire transfer department said that they will let me know. They called and asked me few questions about the details of income source/proof, relationship to my father and proof of citizenship. All of that info they already have since I have transferred the funds to my father several times using same account to support the family. 

Bank of America confirmed that there is an audit going on by the intermediate bank and they have provided all the information regarding my status of employment/funds/proof of residence. And the transfer should be completed now. 

It has been over a month ; I have been calling them every day to inquire and they are not letting me know about my money. Several times, they have transferred me to fraud department, customer services and even hung up on me that they can not help to retrieve this amount. 

I have cancelled the transfer on XX/XX/XXXX and they assured that I will get my funds back but still nothing. 

I am very frustrated, and it is very evident that they dont want to help me, and they are not making any efforts to get this amount back to me. They have also not let me speak to their supervisor.

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 2020-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have contacted my loan servicer and Federal Student Aid to try to clarify items on student loan account, It seems that some of the loan cancellation were not applied during consolidation. Each are saying I need to speak to the other. I started emailing in end of XXXX XXXX and last communication was XXXX/XXXX/20. 
Looking over the documents there is a {$15000.00} difference some of it is interest but that seems quite high. My original loan total was around {$35000.00} but consolidated was over {$50000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: KEYCORP
State: IL

Complaint narrative:
I received this card through the unemployment of Illinois services key bank has locked the card and lied saying the Illinois Department of unemployment services locked the card Ive spoken to management at the Illinois Department of unemployment services they assured me that they didnt put anything on my account in regards to stopping my payments or locking my card since then Ive been getting the run around from key saying that didnt lock it they are lien and giving me the run around The unemployment department has written notes to management about this the issue is that I need my funds unlocked and that key bank is lien and refusing to unlock them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Hello. 

I currently owe money to XXXX XXXX. It was sent over to a collection agency during the midst of the Covid-19 outbreak and I have not been able to pay the debt off. XXXX is very well aware of this and I understood the collection agency. 

Recently the collection agency who had it apparently sold it to another collection agency known as Midland Credit Management ( The lady identified herself as this company ) and we received a letter about the debt and threatening to hand it over to a lawyer in our area. 

Currently I've been receiving phone calls every few hours since XX/XX/2020 with today being XX/XX/2020 where I finally picked up the call. The lady did not identify herself and said she was with the agency stated above. She began saying I owe {$1000.00} in debt to XXXX XXXX  and said " I owe her a reason for not paying her debt and once were done with this call we will decide what action to pursue ''. Upon a threatening voice and much harassment for the past 10min of the call duration I hung up. To date I have maybe 15-20 missed calls from the agency and unable to block their number due to them calling from a blocked caller ID. 

And ... if you're wondering ... I do not give my number out ever and I never get calls from unknown since high school

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25 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: MO

Complaint narrative:
XXXX continue to receive letters from The Kentucky Higher Education Student Loan Corporation advising my loans are in default which is incorrect and a blatant lie. I believe they are trying extort full payment of my loan to keep the information off my credit record. I am current on my loan payments and have been current for approximately several years.

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 2020-11-25 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: MO

Complaint narrative:
I continue to receive letters from The XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX advising my loans are in default which is incorrect and a blatant lie. I believe they are trying extort full payment of my loan to keep the information off my credit record. I am current on my loan payments and have been current for approximately several years.

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