vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have two Bank of America credit cards. Two weeks ago we noticed we had not received a statement from our Merrill Lynch card through Bank of America. In contacting them I found out that they had switched it to electronic billing. I had received no notice of this change or had I requested it. So now I had late fees and finance charges. The past two days I tried to use another credit card from Bank of America and it was not accepted. Again in calling Bank of America I was told my card was locked since I was two months behind on payments. I stated that I had not received a statement. I was told that the account was on electronic billing. Again there was no notice of this billing change and I had not requested it. Once again I have late fees and finance charges. I pay off my credit cards in full every month without fail. I was told that they could see that I had an excellent credit history. I was told if I made a payment by phone right then they would unlock my credit card and remove the late fee, but I am still looking at finance charges This has also affected my credit score as  well. I have heard from numerous other people that they have had this same problem with Bank of America. It appears that they have found a way to make extra money by switching people to electronic billing without giving notice and collecting late fees and finance charges for several months before it is found out.

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 2019-09-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp
State: GA

Complaint narrative:
Lending club stated I received funds into my bank account on XX/XX/2018. My account was put on hold due to identity fraud and hacked on XX/XX/2018 as the bank Say I would have not been able to receive any deposits or withdraw any. I sent the bank statements to lending club fraud department and the bank manager also stated she left 6 voicemails within two days and never received a call back. I ask lending club to remove the account after doing more investigations. The lending club is forcing me to pay for a XXXX XXXX loam I never received in the amount of {$7100.00}. They sold the debt to XXXX XXXX investigator as {$8100.00}. I sent the same paperwork to XXXX XXXX  email and didnt get any responses. I even tried negotiating the XXXX I had in my savings to get the account negotiated and written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: MO

Complaint narrative:
Purchased a Google Gift card for {$200.00} on XX/XX/2019 from XXXX in XXXX, IN. I inputted code into app and it stated it needed further information. Copy of card, receipt, Utility Bill, Cell phone bill, credit card. That information was submitted against my will, due to that's what they required. A complete invasion into my personal info for a gift card. They have not responded. Yet hold on to my money without any result. Calls to Google, they remain unable to talk about it. This has been happening to hundreds of consumers according to multiple websites, and they fail to resolve an issue they created. I want my {$200.00} in addition to interest.

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 2019-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I paid off my mortgage on XX/XX/2019. 
The company said they will not return my escrow money to me for 30 to 60 days. This amount of time is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have reached out to CitiBank on numerous occasions to include XX/XX/XXXX and XX/XX/2019 and one previous time earlier this year. I have paid the company early every billing period, however, they continue to charge a late fee stating that I paid late due to them constantly changing when I can pay the bill. The late fee then increased from {$28.00} to {$36.00}. They told me the reason I was charged the fee was due to me paying twice in the same billing cycle, even though they can see that the payment was made for the bill for the next month. They constantly change the billing cycle end date therefore making me late even when I am paying in advance.

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 2019-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
I have tried to work with diversified when it comes to this debt from sprint. I have made multiple attempts to settle this debt. This debt collector does not want to work with me and threaten me that my credit score will go down to zero as they will continue to affect my credit score monthly until my credit score is zero. I have tried to work out the monetary means with this company payment options etc. this company doesnt care about the consumers and are going to drive me into chapter XXXX. I have tried numerous times in good faith to negotiate a settlement and they have no desire to engage me realistically with a settlement I can afford. I also feel that the service that was sold to me should not have been sold in this area as it did not work. I understand I owe for the device but to say we are going to zero out your credit score is absurd and I feel they they will not negotiate in good faith. I am feeling very frustrated as they wont take any settlement offer I have made,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: OH

Complaint narrative:
This is a follow up complaint to a complaint I previously filed here. Experian claims that they fixed the error but I was notified by Experian XX/XX/XXXX that my report is updated and it showed the error again - further Experian is the only credit reporting agency that is showing my sisters creditors on my report and they are preventing me because of this error, to get a refund on my home

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 2019-09-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: PA

Complaint narrative:
I get XXXX direct deposited onto my direct Express card through Comerica Bank last week I had my card stolen and I got my new card and it said on XX/XX/2019 all my money will be available but they never transfer my money and I've been trying to call them since for a week now and no one is answering or transfer my money and it's messing up my life because my bills are not paid and I'm late on my rent and I might be evicted and I think that they should waive the fee of XXXX that I had the card expedited to me and you know this is like really upsetting where are these people with this Comerica Bank on the paperwork it says they're open 24 hours a day 7 days a week but they're not even answering the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 
I see multiple CO remarks from XXXX and XXXX and there is no XXXX payment history. I'm pretty sure this is inaccurate reporting and a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase.com have restricted my account to send crypto but i can recieve the crypto to my coinbase wallet normally So i tried to withdraw my amount but I'm unable to withdraw as it's not allowing me to send my crypto to my any external wallet. 
Coinbase is completely a scam it catches your crypto and never release it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

How come that XXXX  reports multiple CO in 24 months yet XXXX is all OK? Also different dates declared in Date last active. This is a shady report. Please re investigate or remove this from my credit file.

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 2019-09-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/19, I was notified my card was used for three transactions at XXXX XXXX XXXX XXXX. I dont know the declines transaction amounts, but the one that USAA processed was for {$180.00}. I replied to their notification, and I had to call. 

They closed my card and issued a new one. However, I not sure they submitted a claim. I did not receive notice of claim. The transaction had since posted to my account. I was told they will review and state will adjust if necessary within 5 days. 

I was on hold for over an hour, and the customer service was horrible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

How come that XXXX reports multiple CO in 24 months yet XXXX is all OK? Also different dates declared in Date last active. This is a shady report. Please re investigate or remove this from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
XX/XX/2019 - Money Lion Loan company reported falsely on my credit report that my account was delinquent. I have made numerous call and provided Money Lion with the correct account information and I know they have it as I have numerous banking transactions coming out of my account from them to pay back the XXXX credit builder loan my current balance is XXXX however I believe it may be less as the are constantly taking money from my account but I do not know what has been applied to the loan or what has gone towards membership fees. I have asked numerous times to pay the loan off but they just will not do it. I also have an investment account in which they are holding XXXX in which I have no access to whatsoever. I have called and spoke to numerous reps and Im very scared that my credit identity has been compromised. Please help as I have read numerous complaints about this company and their credit builder loans

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

There are a lot of missing information to sustain this claim. Also the remarks are all OK and it does not show a single CO from any of the reporting bureaus. Delete this incorrect report.

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 2019-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I owe money to the State of New Jersey which I agreed to pay. I am in a payment plan of {$200.00} per month. Refund money was applied from federal and state money. Debt originally was {$15000.00} and now is approx {$6500.00}. I lost my job in XX/XX/2019 and informed them about this. XXXX XXXX is my contact person at Pioneer. I have been paying from Unemployment benefits and she keeps calling me when I am a month  behind. I told her that I am actively looking for work. I asked her also to reduce the payment amount and she declined to do it. Today, i received two letters threatening to sue 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 2019-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Harley Davidson Financial Services Inc
State: FL

Complaint narrative:
I co-signed a loan with Harley Davidson for a used bike. Harley dealer did not honor factory warranty or the add'l warranty which was purchased. ( 2 statements refusing to do repairs ). Contract was agreed to be cancelled with voluntary surrender of bike. Requests for pick-up of bike took several months for Harley dealer to respond. During this period, collections began thru Harley Loan Servicing. When bike was finally retrieved, Harley 's contractor dropped bike and damaged it severely. WE have a tape of this happening. Harley then tried to hold us responsible for damages. All documentation has been presented to Harley Corporate representative, XXXX XXXX. I filed a dispute with credit reporting last year. I never received any info on results or investigation, or request for documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNIVERSAL COLLECTION SYSTEMS, INC
State: TN

Complaint narrative:
XXXX bill for my daughters of {$510.00} is on my credit report. The entire amount that was posted on my credit report of {$510.00} was paid to XXXX office on XX/XX/2019 at XXXX XXXX. The payment id # is XXXX. I submitted a dispute via XXXX XXXX and XXXX came back XX/XX/XXXX and said the debt is valid. I explained in my dispute that it had been paid in full. I would like it removed from the report. If it can not be removed at least show the XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I refinanced my loan and the funds came out of rescission on the XX/XX/XXXX, the title company wired the funds to the lender on XX/XX/XXXX for the payoff but they had transferred the servicing to loan care at this time. So onXX/XX/XXXX XXXX wired the funds to Loan care. On XX/XX/XXXX I called Loan care and they could not find the wire so I called XXXX back and they again confirmed that they wired the funds to Loan care on the XX/XX/XXXX. I was told I had to get the wire confirmation from the title company to help Loan Care located my funds, which I did and they were able to " find '' them. They told me the payoff would post that night on the XX/XX/XXXX. I told them that they needed to backdate the payoff for the date that they received the wire, and not the day that they found it. They said they do not have to and wont. I asked to speak to a supervisor and he agreed that the payoff did not have to be backdated. The funds were originally received for the payoff on the XX/XX/XXXX by XXXX and sent to Loan Care on the XX/XX/XXXX. I should not have to pay interest because they couldn't find my payoff.

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 2019-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i called the company because i did not ask for credit from them they have an inquiry on my report with 3 credit company, when i called its a advertisement for tv 's or XXXX XXXX XXXX   cable and wanting to sell you something, there no way to speak to anybody other than a sales rep. 
im trying to have this deleted from my credit report '' s this is a complaint. HELP. 

Coaf XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for and opened a new Spark Business Rewards Credit Card in the beginning of XX/XX/2019. Before I received it my wife received an offer for the SAME card with better promotional terms/bonuses AND and lower annual fee. Upon calling the company they informed me that nothing could be done without closing the account, reapplying for the new card with a new credit check and new inquiries on the credit report ( which was done one week prior ).

I understand the promotional terms change on cards from time to time and that is perfectly acceptable. But these more beneficial promotional terms are being unfairly sent to specific people. New promotions are not being offered to all of the public equally. Understandably, certain promotions are based on credit worthiness, but everyone should equally be given the chance to apply for a card with same promotional terms available.. The application process should be used to determine if one 's credit worthiness is sufficient to receive the particular card. Still, as of today ( XX/XX/19 ), these promotions are NOT being offered on the capital one website to the general public, but are being solicited to specific individuals ( regardless if they own a business or not ). I applied for my card on the website without any solicitation and was not offered these terms and I am still not being offered these terms. I understand the purpose of solicitations, however unequal treatment of who these terms are being offered too and not making them available to anyone applying for the card is unacceptable, not to mention discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I was recently reviewing my bestbuy credit card statement and noticed that my balance was not decreasing at the rate it should. It turns out I have " end debt protection '' added to my account and it been hitting me with fees going back to XX/XX/XXXX. I never signed up for this and over the years I estimate they have collected more than {$3000.00} from me and THAT WOULD HAVE EASILY PAID OFF THE DEBT. But it went to this fee instead. Best Buy says that I signed up for the service ( which I deny ). I currently work for bestbuy and have been for the past 3 years. This service is explained no where. Its a scam. Best buy and Citibank refuse to give my money back because they say a service provided. ( A service I never asked for. ) But BESTBUY acts like its my fault. I never even wanted the card and never would have gotten it XXXX know it was laced with hidden fees from them and CITIBANK. I'll never promote another card again.

Service started XX/XX/XXXX Service Ended XX/XX/XXXX Bestbuy credit card member since XX/XX/XXXX 0r XX/XX/XXXX Contacted bestbuy to dispute XX/XX/XXXX They responded saying my fault too bad ... 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