vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-26 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: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
On XX/XX/2021, I applied for a XXXX credit card through American Express. The application had a marketing pitch where I could receive XXXX miles if I applied through the link and met a spending threshold. I applied through the link and met my threshold. I waited for a time, then finally reached out to American Express to see where my bonus miles were. I received this response through chat : " There are more factors involved than the number of accounts you have opened and closed over the years. Based on your history with American Express, we did not approve you for the welcome offer on this account. My apologies. '' American Express never indicated to me that I was not approved the welcome bonus, but they were happy to approve me for the card and charge me an annual fee. If there was an indication that I wasn't eligible for the welcome bonus, it was written in the fine print and not readily disclosed. If I had seen it, I would not have applied for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was taking a vantage of due to malpractice while several laws has been broken Under the FCRA by your company This has caused me Financial injury Also defamation of character I cant get a job or I can obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was taking a vantage of due to malpractice while several laws has been broken Under the FCRA by your company This has caused me Financial injury Also defamation of character I cant get a job or I can obtain credit

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 2021-12-26 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I tried to make a purchase and was not able to the card declined when there were available funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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:
Equifax failed to reinvestigate the accounts in question pursuant to consumer protection laws. 

I've sent several notices and an FTC affidavit ID theft regarding the accounts in questions. Those closed account supposed to be removed within 5 business days. That did not happen. 

I did not, and/or do not consent to XXXX procedure and Equifax never did a full reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Since paypal deals in money, I believe they are also required to follow the US banking regulations. And since they shut my account down because I would not provide my social security number, that's proof right there that they had no right to do so. I even gave them a letter releasing them from liability but they still refused to reopen my account. I KNOW this is illegal for them to do this to me. 

Federal regulations provide me an alternative, 26 CFR 31.6011, 301.6109 and 31 CFR 103.28, 103.34, 103.35, employers, banks and payers are required to ASK for the social security number, but they shall NOT BE in violation of this requirement if they have made a reasonable effort to secure such identification and are unable to secure the information. 

The federal courts have ruled that private sector solicitors may NOT obtain social security numbers until they comport their solicitations to comply with disclosure requirements of the Privacy Act, including informing customers of the voluntary nature of such disclosure, the source of authority for requesting such disclosure, and possible uses to which disclosed numbers might be put. Yeager v. Hackensack Water Co., 615 F.Supp. 1087 ( 1985 ). 

Any person who is found violating the rights of a Citizen may be subject to the damages sustained by the individual and the costs of the action together with attorney fees. See Doyle v. Wilson, 529 F.Supp. 1343 ( 1982 ). Violation of 18 USC 241, 242 ; 42 USC 1983, 1985 1986 shall subject you personally and may also subject you to fines of up to {$10000.00}, and imprisonment for up to ten years, or both.

I WANT PAYPAL TO PAY FOR WHAT THEY DID TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been disputing these 3 accounts for months with Equifax concerning INACCURATE and INCOMPLETE information they have failed to provide : XXXX XXXXXXXX XXXX ( credit card account ) - PLEASE SEE PAGE 4 ON REPORT XXXX XXXX XXXX XXXX ( credit card account ) - PLEASE SEE PAGE 6 XXXX XXXX XXXX XXXX ( credit card account ) - PLEASE SEE PAGE 9 THESE 3 ACCOUNTS HAVE NO ACCOUNT NUMBERS : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. If an item of information disputed by a CONSUMER is found to be INACCURATE or INCOMPLETE or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptlydelete that item of information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Had 2 capital one cards that were closed without notice and my points vanished. No idea why. When I called they said it was their prerogative to close at any given time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
XXXX and XXXX of 2020 I applied for a personal loan on XXXX and they told me that i did not have enough check stubs and that was fine. So i applied again on XXXX I put the app in and they told me that i was approve and they would use my car as collateral and i needed for 4 check stubs which in my case 2 since i get paid ever 2 weeks they lied and said that i was not approve because of income which i know is a lie because i am a truck driver and then the next day i called customer service in Indiana there main headquarters and said i got turned down because a have alot of inquries which is a lie too. 

one main financial XXXX XXXX  XXXX XXXX. 
XXXX XXXX Oh XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been a valued customer of Citibank for almost 10 years. I was shocked when they has closed my account without my permission. Citi claimed in their form letter dated XXXX XXXX, 2021 that my account was closed because of a returned or late payment. In my my call and my letter to Citi on XXXX XXXX, 2021, I explained to Citi that I was not late in paying the full amount of my bill, and that if they chose to close my account, I should not be responsible for the full membership fee. On XXXX XXXX, 2021, Citi reversed some late fees and interest, however they claimed I was not eligible for a credit on the membership fee. I have received collection calls for the unpaid balance of my account which consisted solely of a membership fee which I disputed. After placing numerous phone calls with any resolution, I decided to write another letter to Citi on XXXX XXXX, 2021 offering XXXX settlement proposals. I have not received a reply to this letter, and I continue to receive collection calls.

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 2021-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late payments - XXXX XXXX - XXXX XXXX XXXX Inquiries XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX, XXXX XXXX XXXX. ) XXXX XXXX TO XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX AUTO FIN XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX AUTO FIN XXXX. ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
Collections company posted two different amounts owed, one for {$170.00} and another for {$700.00}, on two different credit bureaus and wont respond to me on providing proof, after they have been paid. Credit bureau wont remove after Ive disputed with on experience and transunion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: NY

Complaint narrative:
Hello, I had problems with Capital One before. I pay them {$25.00} a week for the past 10 years. I've noticed they have increase my my limit. They have been charging for over excessive amount in " late fees '' and " interest rate ''. Before, I I was paying good. I was unaware of my fees and increase in credit. I'm really tired of Capital One doing unethical things. They always try to go around my issues. I want them to remove the fees. I think they're reporting wrong on my credit report. If I don't get results, I will take this to a lawyer plus social media. This isn't right. I'm tired of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late payments - XXXX XXXX - XXXX XXXX XXXX Inquiries XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX, XXXX XXXX XXXX. ) XXXX XXXX TO XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX AUTO FIN XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX AUTO FIN XXXX. ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late payments - XXXX XXXX - XXXX XXXX XXXX Inquiries XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX, XXXX XXXX XXXX. ) XXXX XXXX TO XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX AUTO FIN XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX AUTO FIN XXXX. ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I just submitted a claim a few days ago because they locked my card and would not let me access/withdraw any of money, not even at an ATM. 

Now, they informed me they are closing my account and I have to wait 60 days for a check with my funds. This means itll be over 70 days until I can access any of my money. 

Customer service did not give a reason and rudely hung up on me. If i dont get a response soon ill be contacting an attorney. 70+ days of holding my money is awful.

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 2021-12-27 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: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX $ XXXX XX/XX/XXXX {$41.00} was took from my cash app account after I lost my phone my card was in my case

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: TX

Complaint narrative:
I was not able to extend my credit to myself for personal use. I have not been able to live. Its been a hassle with all of these fraud errors on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX. This is me filing this complaint and no one is filing this for me. This complaint is for misleading false credit reporting information.

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 2021-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: MT

Complaint narrative:
XXXX XXXX XXXX I have submitted income information for forebearance only work part time they keep declining to process my appluication saying uts a private lender which is a lie its federal loans XXXX subsizided and unsubsidizedloans this is my contact information XXXX XXXX this is negatively affecting my credit report and after 10 yrs my loan would be forgiven. Acct XXXX XXXX XXXX XXXX XXXX XXXX iowa XXXX I have several class action lawsuits I havent heard anything or compensation XXXX email XXXX yet I keep having my wallet and personal documents stolen every few months

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 2021-12-27 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: Global Lending Services LLC
State: TX

Complaint narrative:
I was not able to extend my credit to myself for personal use. I have not been able to live. Its been a hassle with all of these fraud errors on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: VW Credit
State: TX

Complaint narrative:
I was not able to extend my credit to myself for personal use. I have not been able to live. Its been a hassle with all of these fraud errors on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My b of a prepaid debit card was somehow hacked and thousands of dollars were withdrawn from my account at b of a atm 's. Although i filed a claim for this fraud in a timely manner and have done everything b of a has asked, they still deny my claim. They stated " there us no posting error to your account. We consider this matter closed ''. I have submitted my id for verification and a police report. I have asked them 8 times to revisit my claim and they continue to deny it. I will attach a copy of the police report that shows dates, locations, and amounts of these fraudelent transactions.

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 2021-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I recently bought my first home financed by a mortgage with Wells Fargo. The terms included an item called Escrow payments. Initially there were two options, and I selected an option of {$270.00} a month on XX/XX/2021. 
However, on closing day XX/XX/2021, I received a call from the bank / agent, saying that the escrow payment on the loan would be {$1300.00} a month. I asked him to explain the number / calculation. He said the high number was actually incorrect, but he wanted me to sign the documents first and wait for a later adjustment. I signed the closing documents on that day. 
However, I have never received any adjustments, and therefore I have to pay a much greater amount of {$1300.00} per month for the escrow payments. 
I have tried to contact the mortgage agent a few times but did not receive any response. I have also contacted Wells Fargo over the phone and I was told the they would need to have some government document / assessment update in order to change the escrow amount. However, they did not tell me why how the number was computed and why was it changed from {$270.00} to {$1300.00} in the first place.

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 2021-12-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
inaccuracies on my report that need to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX and I am filing this report on behalf of myself. No one is filing this complaint about me. This complaint is for False reporting misleading information.

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