vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-20 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: U.S. BANCORP
State: MI

Complaint narrative:
In early XX/XX/2021, I applied and was approved for a US Bank XXXX XXXX XXXX. However, I did not receive the card until towards the end of XX/XX/2021, and I was interested in spending {$1000.00} within the first 3 months to obtain the welcome bonus offer. I called US Bank credit card customer service around XX/XX/2021, and was told by a customer service representative that I will have 90 days from " the day the card is activated '' to spend the {$1000.00} which would put a deadline around XX/XX/XXXX. I relied on that information. In early XX/XX/2021, I called again, and was told the same thing. Later during the call, the customer service representative retracted on their words and started saying it's 90 days from the day the card was opened. 

I have spent the necessary amount, {$1000.00}, in accordance with what the customer service representative told me, that is, within the first 90 days of the card 's activation. They provided incorrect information, and am now claiming they can't issue me the welcome bonus offer. I should, in no way, be responsible for erroneous information that US Bank, themselves, provided. 

I request that the full welcome bonus offer be sent to me immediately. This is entirely US Bank 's fault, and they should be responsible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: GOLDMAN SACHS BANK USA
State: AR

Complaint narrative:
On XX/XX/XXXX, I bought a sofa from XXXX. they delivered me the incorrect sofa model and color. I called them to report the issue and so far they have not send no one to pick up the wrong one and send me the correct one. I have disputed the charges for {$2100.00} plus interest with apple card ( Goldman Sachs ). they never sent me any status o my dispute and they have keeping posting again the charges on my account. they not helping me at all, with this scam. 

Second complaint : Company responded : Goldman Sachs Bank USA received the above-referenced complaint related to the Apple Card via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal on XX/XX/XXXX. The Bank appreciates the opportunity to address the concerns raised by XXXX XXXX ( the Customer ). The Customers concern references a transaction dispute with the merchant, XXXX, in the amount of {$2100.00}. The Customer initially stated the merchant shipped an incorrect item. The merchant voided a return refund, as the Customer opened a transaction dispute with the Bank. The Bank initiated a three-way call with the merchant and the Customer to facilitate a return of the incorrect merchandise. The merchant advised they are able to schedule a pick-up of the merchandise for the Customer, once the dispute is resolved. The Bank has resolved the dispute in favor of the merchant, as the merchant has agreed to arrange for a merchandise pick-up for an exchange or return. The Customer is requested to contact the merchant in order to schedule a pick-up for the returned item. Based on the above details, we kindly request this complaint be closed. 
Goldman Sachs is in violation of my consumer rights. this issue I had to deal with it has been for the past 9 months. I never agreed to this terms ( Please request recordings of our interactions ). I have tried multiple times on returned the merchandise e and they always lie to me saying they going to send someone to pick up the sofa and they dont send no one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
In XXXX Ally Bank offered a 1 % bonus on all net new deposits ( XXXX XXXX XXXX ). I followed the steps and received the email indicating that I had registered for the bonus. I followed the link in the email and deposited {$25000.00} of net new funds into a 13 month CD in order to receive the 1 % bonus ( {$250.00} ). Per the terms of the bonus, I did not remove any funds until the holding period had passed. However, at the end of my CD term, I did not receive the bonus as a payment into my Ally bank account or as part of the final CD payment, which matured on XX/XX/XXXX. 

On XX/XX/XXXX I reached out to Ally via their secure messaging system on the website for information. I received a same-day response indicating that the email address I provided did not match what was on my profile. I responded that same day and attached the bonus signup confirmation email, which shows that I had received the signup offer to the same email address as my user profile 's email address. I received no response for several weeks. 

I contacted Ally Bank via their online chat service on XX/XX/XXXX to follow up to this issue. The representative made a note of the issue, but I did not receive any other resolution. 

I then contacted Ally Bank again via their online chat service on XX/XX/XXXX. This representative was able to research further. She noted that there were two different email addresses stored in the system ( my college email address and my personal email address ). However, on my user profile I can only see and update my personal email address ; the college email address appeared only on screens that she was able to access. Apparently the bank bonus system was checking against my college email address ( which I had used earlier in my 10+ year relationship with Ally Bank / GMAC Bank XXXX but had changed ), rather than my current email address shown on my user profile. As I have no way to update that college email address in any screen that I am able to access, it makes no sense to be held to that as the only email address valid for the bank bonus, especially when I purposely registered with the same email address that is currently shown on my Ally Bank profile. At the end of this chat the representative indicated that she would notate and escalate this case. I indicated that if I did not receive a response by XX/XX/XXXX I would be filing a CFPB complaint. I did not receive any further communications. 

On XX/XX/XXXX I filed this CFPB complaint.

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 2021-05-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have been trying to dispute and remove late payments on 2 accounts that are not accurate since XX/XX/2021. Since none of the bureaus responded to me within the 30-45 days they're allotted, I sent a 2nd dispute to them on XX/XX/2021. I'm still waiting, well over the 45 days ; today is XX/XX/2021. This is not okay for a company to completely ignore a consumer the way the bureaus have ignored 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 2021-05-20 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: NY

Complaint narrative:
I received emails from two different credit sites that monitors my credit stating that I had a new hard inquiry. XXXX XXXX stated it was a mortgage lender check and Im not in the process of looking for a mortgage. When I looked into it, the inquiry came from a business named CAP1/NEIMAN. The date of the inquiry is for XX/XX/2021 ( today ). The last line of credit I applied for was back in XXXX and it is noted on my credit. I called the number listed and it was Capitol One bank. I do have one card with them already that Ive had for years. The representative pulled up my account and didnt see any activity since XX/XX/2021 which was a payment. This inquiry is very suspicious and that is why I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
My background check came back with 3 addresses I have not lived at. 

XXXX XXXX XXXX, IA I have NOT lived at. 

XXXX XXXX, XXXX, IN I have NOT lived at. 

XXXX XXXX, XXXX, KY XXXX I have NOT lived at.

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 2021-05-20 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 — Overcharged for something you did purchase with the card
Company: Self Financial Inc.
State: NM

Complaint narrative:
A while ago I found an app called self inc it is a credit building credit repair through secured loans and secured credit cards I should have done a little bit more research and read some reviews before I actually signed up for it but I was super excited to try to fix my credit I have been using them since XX/XX/2020 finally got the credit card 2 months ago I have paid in over {$1000.00} on the secured loan and have kept my credit card payments up and full the secured loan is for XXXX and the credit card has a {$250.00} Max limit this company has no customer service phones no way to get a hold of them if you have any issues I have had multiple issues a few types and they have been unresolved due to the fact that I can't get a hold of them I have emailed them a few times and they do not respond they have charged me for things on my credit card and I've got them refunded but they do not reflect the refund amount so I'm pretty much double paying for things and I do not have screenshots as I just realized this was happening. The math didn't add up my total money that I've paid is actually going down every day like they're taking money out of my secured loan account I'm not sure what to do or even if I'm in the right place but I really do need help resolving the situation because I feel like they're going to try to steal all that money for me they're already making it very difficult for me to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I applied for a credit card with Citi Bank. I got the card but never activated it or used it. I received an email say my payment was overdue. When I contacted Citi via phone on XX/XX/2021 and was told the fee was a membership fee. I informed the person I was speaking to that I had never activated the card and that I shouldn't be charged the fee. He told me it was my obligation to pay it, which angered me since the last time I had my credit pulled by FICO score was over 800 - I've never missed a payment in my life. The agent still said I was liable for the payment. I then told him to close my account and that I wanted the fee waived or I was going to file a CFPB complaint. At that point the agent put me on hold so that he could talk to his supervisor. I was kept on hold for a few minutes and then he came back on the line and told me he was waiving the fee and closing the account. I asked for proof in writing of such and was told that I would receive an email saying the account was closed and the fee was waived within 24-48 hours. The next day, XX/XX/XXXX, I received an email saying the account was closed, but nothing saying the fee was waived. On Thursday, XX/XX/XXXX I received a voicemail telling me my payment was overdue. I called Citi again and was told that I still owed the fee. I told them what the agent I spoke to on the XXXX told me. I was placed on hold. The person I was speaking to came back on the line after a few minutes and told me that the notes from my previous conversation stating that I was told that I was still liable for the fee. That simply isn't true. I was told the fee was waived. In the interest of keeping my credit profile sterling, I paid the {$99.00} fee. I feel like I was being extorted my a mob family rather than dealing with one of the largest banks in the country. I was absolutely lied to about the fee being waived. At what point are these large banks going to be held accountable to the American people? I want my {$99.00} back.

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 2021-05-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I submitted a complaint with CFPB XXXX. where I complained that they arbitrarily closed my credit card and discriminate me. they never sent me the written response they said they going to send me on the previous complaint. They in violation on my consumers rights and they keep treating me like a second class citizen not responding to my emails.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Capital one and XXXX XXXX XXXX card were paid with agreement to delete the account information, Capital one states a request to delete was sent in XX/XX/2020 of last year but still reporting on credit report and XXXX XXXX is now stating they are no longer willing to delete the information on the report and information does not reflect accurately on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX and XXXX and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
My son purchase a home 3 1/2 years ago. At some point New Res LLC took over the mortgage. In XX/XX/XXXX my son wanted to refinance the mortgage as the rates were lower. Since he was furloughed from work due to Covid-19 my husband and & were to cosign the loan. The paper work was submitted on XX/XX/XXXX. We were assigned a senior mortgage consultant who requested certain information which we supplied. On XX/XX/XXXX I contacted the consultant as to the status of the application and was advised the processors were very busy. I again contacted her on XX/XX/XXXX and received the same reply. On XX/XX/XXXX, we received an email that the loan application was conditionally approved. We had a new consultant and a new processor. They now asked for many additional documents. As we own multiple properties and vacant land the documentation list was outrageous. Nothing we own has a mortgage, we have no debt. The amount my son is looking to refinance is less than the value of our primary home. The company is looking for insurance on vacant land. This has become a nightmare. We provided some documentation. Our dividends and bank accounts can more than cover the refinanced amount. On XX/XX/XXXX, I contacted the processor who needed more information and the new XXXX tax return, plus things we already submitted. 
On XX/XX/XXXX we send additional information. On XX/XX/XXXX, I again sent an email & telephone call to the processor who said delay due to high volume. On XXXX same answer. On XX/XX/XXXX we received a Loan Commitment & Property Inspection Waiver disclosure to sign which we did and returned to the processor. Since then on XX/XX/XXXX & XX/XX/XXXX I contact the processor but receive no answer. This is totally unacceptable. this company needs to be investigated. Because we have assets we have been scrutinized to such an extreme level for everything we own. No refinancing should every take this long to complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: FL

Complaint narrative:
In accordance with 15 U.S. Code 1693f ( a ), CHIME was presented with written notice that I, the consumer, believed that an error occurred when an Electronic Funds Transfer from XXXX from XXXX XXXX XXXX was returned back to the Sender. The alleged discrepancy that caused the rejection was the name on the deposit did not match the name on the account, when the names in fact did match. CHIME was abusive and deceiving in this nature causing tremendous amounts of stress to get this error corrected. CHIME used fraudulent practices to return my deposit and many others who were in a similar situation of using CHIME as my primary bank for all deposits of income of self employment. CHIME has never rejected a deposit to my account due to it being a business transaction, in fact I am sole proprietor all business transactions are conducted in my name and deposited into this account. Withstanding, the Sender of the Electronic Funds Transfer has successfully initiated several prior Electronic Funds Transfers into my account without rejection or verification. CHIME was abusive and unfair in choosing to reject this such a large deposit of crucial funding during a time of uncertainty and economic stress. This abuse has left me with little trust in CHIME and its illegal and fraudulent practices. I'm afraid to deposit funds into this account as CHIME has shown me that they are not reliable and are above the law, with their illegal actions and lack rightful concern handling consumer complaints and transactions. CHIME after numerous written notifications from the consumer continued the acts of abuse causing severe mental anguish and anxiety about that fate of my Electronic Funds Transfer. CHIME has yet to investigate my claim of their error. It is now 43 days since the error occurred Chime was directed numerous times by the consumer and notified that they are liable for damage and given instructions to correct the error and credit the account in accordance with 15 U.S. Code 1693f ( b ) Instead, I was misled in the procedures of retrieving my Electronic Funds Transfer. CHIME insisted there was nothing more for them to do and that I must refer to the depositor to resolve CHIMEs illegal practices of willful negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX XXXX  and XXXX XXXX XXXX card were paid with agreement to delete the account information, XXXX XXXX states a request to delete was sent in XXXX/XXXX/2020 of last year but still reporting on credit report and XXXX XXXX is now stating they are no longer willing to delete the information on the report and information does not reflect accurately on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: SC

Complaint narrative:
Experian reporting a collection account on my credit report. This is causing my score to be REDUCED. Please remove collection account from my 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