vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-05 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have American Express XXXX XXXX XXXX credit card and American Express XXXX XXXX   Surpass credit card. I got an promotion offer from American Express on both of the cards to add authorized cardmembers to my account and earn points. The offer details are : XXXX  card : earn XXXX bonus XXXX for each of the first four new Additional Card Members that spend {$1000.00} or more on the card, up to XXXX points in total. XXXX card : earn XXXX bonus XXXX XXXX points for each of the first four new Additional Card Members that spend {$1000.00} or more on the card, up to XXXX points in total. 

I added 4 additional card members to both of my XXXX and XXXX card back in XX/XX/2017, and all of them completed the spending requirements. But till now, I only got XXXX bonus XXXX, and XXXX bonus XXXX points. I should be getting XXXX more Starpoints and XXXX more XXXX XXXX points from this promotion offer. 

I have called American Express multiple times ( 10+ times ) and every time the customer service told me that I should get those bonus points in 2 weeks, in 6 weeks, or a supervisor will call me to resolve the issue. But it's been 6 months now, and I still haven't got the bonus points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In XX/XX/XXXX, I responded to a Bank of America offer which promised it would deposit {$100.00} in my checking account if I opened the account before XX/XX/XXXX and made two direct deposits of at least {$250.00} within 90 days of opening the account. 

In reliance on that offer, I opened the account via Bank of America 's website and notified my employer ( the XXXX XXXX XXXX ) to pay me by direct deposit into my Bank of America account. On XX/XX/XXXX, my employer made a direct deposit of {$2100.00}. In XX/XX/XXXX, my employer made a second direct deposit of {$2400.00}. Ive attached a screenshot of my bank account information showing the two direct deposits. 

After waiting nearly two months, I called Bank of America on XX/XX/XXXX and asked why I hadn't received the {$100.00} I was promised. At first, I was told the funds would be deposited on XX/XX/XXXX. The Bank of America representative claimed the offer was conditioned on an initial 90-day verification period, plus another 60 days to receive the {$100.00}, for a total of five months. 
When I told the representative the offer said nothing about a 5-month minimum waiting period to receive the bonus ( the offer said {$100.00} would be deposited within 60 days of the second deposit ), I asked her to send me a written explanation, which she would not provide. She said I could make a claim with Bank of America if I hadn't received the {$100.00} by XX/XX/XXXX. When I told her I would like to make a claim now, she put me on hold for several minutes, then said my direct deposits didn't qualify, so I wouldn't be receiving the {$100.00}. 
When I asked her why, she changed her answer again and said the {$100.00} was only available to customers who made direct deposits every single month. Again, I explained that both direct deposits were from my employer and were paychecks. She just repeated I wasn't eligible for the bonus, contrary to what shed said a few minutes earlier about it being deposited by XX/XX/XXXX. It appears I was punished for wanting to make a claim. 
Including being put on hold five separate times, it took nearly an hour for this futile phone call, in which Bank of America refused to honor, and even tried to retroactively change the terms of, its offer.

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 2018-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
I had took out some rings with XXXX XXXX I finished paying them off and never showed up in my credit .I decide to trade in one of the rings for a gold chain which left me with a remaining balance of XXXX which i did a payment of XXXX dollars a month when. I was done paying what was owe they kept charging me told me that they had got a lender from somewhere else and was never informed that they were going to do that. I went to complain why did I still owed they told me that they didnt know why they had got another lender when I had enough credit with them that they werent able to help me that I had to deal with the lender I talk to the lender and wanted me to pay exaggerating amount that what I had payed was just interest and the nothing went towards my actual balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: PA

Complaint narrative:
I just turned XXXX in on XX/XX/XXXX. I wanted to start building credit and i noticed that I have a collection account on my credit report being reported by XXXX. I never had any accounts to have a collection I was a minor! 

This account does not belong to me, I have no knowledge of this account Also there is incorrect DOB and address being reported for me My address IS and ALWAYS been is XXXX XXXX XXXX XXXX, PA XXXX my address has never been different. 

my DOB is XX/XX/XXXX i just turned XXXX 3 months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HANCOCK WHITNEY BANK
State: TX

Complaint narrative:
I opened a checking account online with XXXX XXXX XXXX on XX/XX/XXXX. Per the terms and conditions of the promotional offer that I received, a bonus of {$300.00} was supposed to be paid after enrolling in online statements and using the debit card for five purchases by XX/XX/XXXX. The bonus was supposed to be paid by XX/XX/XXXX after all criteria were met. I completed these tasks 0n XX/XX/XXXX, but after the bonus did not post, I called the company today, XX/XX/XXXX. After speaking with XXXX XXXX in the 'phone loan ' department at XXXX XXXX, XXXX XXXX AND XXXX XXXX, he informed me that the company would not honor the bonus, despite me fulfilling all of the criteria for the promotional offer to be paid. Additionally, even though the terms of the promotional offer CLEARLY state that the limit is " Limit of one new consumer checking-account-related bonus per household per calendar year. ", and admitting that I had not received any form of bonus yet in the calendar XX/XX/XXXX year, he said that the bonus is supposed to be on a rolling year basis. Per XXXX dictionary, one calendar year is 'the period of 365 days ( or 366 days in leap years ) starting from XX/XX/XXXX, used for reckoning time in ordinary affairs. ' This is absolutely unacceptable. This is false advertising and intentionally deceptive on the part of the bank, and the bank is going back on promises and not paying promotional offers that customers are rightly due, because they believe that customers will simply forget. This is very unfair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-05 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: PA

Complaint narrative:
I just turned XXXX in on XX/XX/XXXX. I wanted to start building credit and i noticed that I have a collection account on my credit report being reported by XXXX. I never had any accounts to have a collection I was a minor! This account does not belong to me, I have no knowledge of this account Also there is incorrect DOB and address being reported for me My address IS and ALWAYS been is XXXX XXXX XXXX XXXX, PA XXXX my DOB is XX/XX/XXXX birth certificate attached

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 2018-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One Bank has no grace period for payments. I was charged a XXXX fee for being 6 days late simply because I thought I had made my payment and when I checked my balance realized I had not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Federal Pacific Credit Company, LLC
State: CA

Complaint narrative:
I didn't receive identify verification from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have disputed this adverse Portfolio Recovery Collections account on XXXX, XXXX and XXXX several times as recently as XX/XX/XXXX. I do not own this account and the account information differs across three reports. All disputes have been " verified '' and the collections remains on my report. 

All Three of the Credit Reports reflect this account in collections and site 's XXXX as the original creditor. 
All Three of the Credit Reports there is no Date of Last Activity for this adverse account. 
All Three Credit Reports state " This account is scheduled to continue on record until XX/XX/XXXX for both XXXX and XXXX  and XX/XX/XXXX on XXXX. 

With the Statute of Limitations being based on the state the Original Creditor, and XXXX being incorporated in the state of Delaware, The statute of limitations is 3 years from the date of the last activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Loan was with XXXX XXXX XXXX first, was transferred to Nationstar Mortgage now Mr Cooper ( see balance reduction letter XX/XX/2012 ) was transferred in process like so many other people! Faxed plenty of times always missing something even with proof of fax! Bank wont honor letter and always refute a complaint even when you have proof! Do the right thing i guess is not what banks do!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Called Experian and asked for a freeze on my credit report. ( Actually I asked that they delete all information about me and please forget that I exist. They said this was not an option. So Then I requested a freeze on my report. ) They said they were unable to assist me today after correctly verifying my identity.

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 2018-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
In XX/XX/XXXX, we contacted our mortgage company. Roundpoint Mortgage Servicing to advise them that we have a tax abatement with the purchase of our property which was supposed to take effect as of XX/XX/XXXX however it had not reflected in our payment. The associate told us we needed tax documents from our township which we provided in 2 business days to them and confirmed it was received. We were told at that time that they would do a escrow study and make an adjustment to our payment and we would see the adjustment in our XX/XX/XXXX payment and within two weeks begin processing our refund which at this time was approximately {$5000.00}. Two weeks passed and we did not see any adjustment to our mortgage payment. We called roundpoint a third time and was told that for some reason the escrow study was not yet done but would be done then and finished before our XX/XX/XXXX payment came due. We also asked at that time to speak with a supervisor but was told one was not available but someone would call back. We never received a callback. Two weeks after that, we call again. We ask for a supervisor immediately and were given the run around. In the meantime while waiting for a supervisor, the associate advised us he would expedite the escrow study ( which still was not completed ) and to not make our XX/XX/XXXX payment until it was adjusted to reflect the tax abatement by XX/XX/XXXX, We were also told that someone would call us with the results of the new payment information and results of our escrow overpayment which now is over {$6000.00}. We waited until XX/XX/XXXX and have not heard anything. We contacted Roundpoint again today and spoke to a XXXX who stated that our escrow study was still not completed and asked for a supervisor. We were continually told that one was not available and we have been on hold for almost 3 hours with no resolution. They have still not told us when we would receive our escrow overpayment or make the correct adjustment to our mortgage payment

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 2018-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I didn't receive identify verification from this company

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The company is XXXX XXXX XXXX located in XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX and they are reporting on my credit report that I owe a debt from XXXX XXXX XXXX. I have sent them letters certified mail, return receipt asking for signature proof of the debt because I do not believe it is mine. when I write them, they respond with the same form letter, but nothing more, claiming " we are uncertain of what you are specifically disputing '', when I specifically say I want signature proof that I signed for the debt. Which I know I did not ... .They refuse to provide it and continue to report it on my credit. Based on the info they did provide, the debt is over 7-10 years old and while I have purchased computers from XXXX, I always paid by credit card so it was likely ID theft and again, they will not provide what I have asked twice to confirm I owe the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I didn't receive identify verification from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: RI

Complaint narrative:
Noticed in XX/XX/XXXX a series of fraudulent charges on our credit card ( four charges in total amounting to over {$4000.00} ). We contacted the bank ( Citi Bank ) immediately to dispute the charges and within a couple of days two of the four charges were taken off our statement. A couple months later we contacted the bank again to inquire as to why the other two have not been removed from our account ( ~ {$1800.00} ). The bank indicated that they were still investigating those charges and once they concluded their investigation the charges would be removed.

We contacted the bank in XX/XX/XXXX to inquire about those same two charges and their investigation, we were told that they would have to reopen our file under the old card number to review the charges. This tells me that they closed the file without doing any investigation into the charges and did not notify us of this development. 

Meanwhile, for nine months, we have been accruing interest charges on those charges. With the way credit cards work, we've been incurring compounded interest making this worse. This is now taking up almost {$2000.00} of our credit line and inhibiting our ability to make purchases as part of our daily routine.

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 2018-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
Having submitted 4 complaints against Paypal XXXX, XXXX, XXXX, and XXXX, I am still with no SOLUTION at all, just " nice '' excuses from XXXX XXXX XXXX and other unidentified Paypal staff who are apparently in XXXX. 
I want to close my Paypal account based on my email XXXX XXXX XXXX but Paypal is not honouring my request!! 
On XX/XX/2017, Paypal emailed me a message in XXXX that is difficult to read as has many layout errors ( why not send it in PLAIN text? ). When I login, I am unable to close my account as I am required a verification phone call to a landline number that changed a long time ago. 
Paypal people please CLOSE my account so I can open a new account in order to be able to use my XXXX bank  account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BB&T CORPORATION
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX. On XX/XX/XXXX my wife made a computer entry error, while making our lowes credit card payment. The payment was supppsed to be for XXXX but she made a mistake and put XXXX. We did not realize this until the morning of XX/XX/XXXX. XXXX couldn't stop it because it wasnt in pending status so we moved on to the bank for help. What a joke. My only resolution was to take all my money out of my account and let it overdraft. Now we also made to correct payments after the lowes bill one for sales in the amount of XXXX and one to XXXX  XXXX XXXX, in the amount of XXXX. Since XXXX was first it was going to hit first. So while our account is in negative we opted out for overdraft protection to try and fix this mess because that is what we were told to do by BBT. We have now accrued XXXX in fees that our bank just roughly said oh well, we don't care if you made a mistake or not. My wife and I have had to take longer lunches for this matter, call customer service on this matter and send a complaint to BBT, we haven't heard a response because their generetic turn around time is 36 hours. Very convient when we are talking about your hard earned money. I can undrrstand if we did this intentionally but we didn't it was a simple entry error. We have XXXX kids and this has put a financial burden on our finances. If we wouldnt have made this entry error we would be fine but since we did we are hurting. And you would think after banking with a bank over 16 years they would help. Poor customer service on their part. People makea mistake all the time we are human but when it comes to BBT all they want is your fees they don't care about your lively hood. We have got a reversal payment from lowes in the amount of XXXX that was delivered by fed ex today. We had XXXX from XXXX Virginia branch to fax a letter for lowes in order to get refund. We have also dealt with branch manager XXXX at XXXX vs and my wife has dealt with XXXX at XXXX Virginia branch. We deposited the XXXX check at XXXX today but they don't quickly apply that to your account they hold it til midnight. So once again we have a pending transaction trying to go through that will like I said put us at XXXX in fees. Something has to be done. This is not right for this to happen to middle class people that made a honest mistake and has done everything to try and fix this issue. My name is XXXX amd my wifes is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2018, I was notified by email from PayPal that my account was permanently suspended and that all remaining funds would be held for 180 days. This was due to an unprecedented security flaw in PayPal 's system which enabled cyber-attackers to access compromised accounts, and consequently file unauthorized transaction disputes through PayPal 's Buyer Protection Policy after receiving said items. 

The reason I am filing this complaint is because PayPal claims to hold all funds for 180 days in case of any chargeback attempts filed by buyers through their respected credit issuing agencies. However, most of these chargeback disputes have already been filed and effectively settled, by PayPal reviewing each case and successfully covering me under their Seller Protection Policy. Therefore, there is no valid reason for the majority of my limited balance to be held for 180 days, since the chargebacks have already been effectively settled and covered under PayPal 's Seller Protection Policy. 

I would also like to stress the fact that this is a MAJOR security flaw, and possibly thousands, if not millions of accounts are currently compromised and vulnerable to attack. PayPal does not offer an effective solution to these affected account owners, such as sending notifications, requiring a form of 2-factor authentication, or requiring a password change. There is also no way for PayPal to determine if these account owners had used a proxy to login to their own accounts, to successfully file an unauthorized transaction case and receive their money back, or if they were genuinely compromised by black-hat cyber attacking thieves.

Company response to consumer: Closed with explanation