vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: MI

Complaint narrative:
I have never applied for a credit card with discover. I spoke to a agent they said they would investigate and remove the card in the middle of the so called investigation they sold the account to a third party. This is a fraud account. I have went to the police department as well as notified the ftc. Reports are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays double billed my checking account, charging me again with a previous months one-time payment ( via mobile app ). They have also continued to charge me a late fee because I pay my bill early in the month. I also pay well beyond the minimum. Their representative stated it had to be paid on the XXXX of each month - which I know is not only incorrect, but illegal. I ended up paying off the full amount on the account yesterday and closing the account due to the hundreds of dollars they have cost me in illegal fees. Please do something about this because I know they must be doing this with others. Their rep even said Id probably be billed a late fee for this month on the XXXX because I didnt pay it off on that date!!!

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 2020-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
SITUATION : I set up an automatic monthly payment of {$820.00}. on my consolidated student loans in XX/XX/XXXX after my deferment ended while I was in graduate school, and I have not missed a payment. I reviewed my statements in XX/XX/XXXX back to XX/XX/XXXX and noticed that the way interest was being charged on my loan was not correct. As the principal is paid down, the amount amount of interest should go down, and the amount credited to principal should go up each month as in a mortgage. That was the way I set up the interest to be charged, but it was not being charged that way. The interest amount stays roughly the same month to month. ACTION TAKEN : I called Navient and talked to customer service who could not correct the problem. I asked to be transferred to a supervisor. RESULT : The supervisor confirmed that the interest was not being charged correctly. He told me I would receive a letter in 3 to 5 business days telling me how Navient would correct the issue. About three weeks later, the letter came. The letter summarized the capitalized interest while my loans were in deferment. It did not address how the interest was currently being charged since the loans came out of deferment in XX/XX/XXXX. ATTACHED : Attached is one of the statements that I have highlighted the interest and principal totals paid, which is similar interest amount to all the other statements. Also, highlighted is a section called " How do I pay with instructions? '' that details how a customer can instruct the lender to allocate interest differently so the consumer does not pay more interest than needed on the loan. Also attached is a copy of the letter from Navient showing they did nothing to address the problem. DESIRED ACTION : I want Navient to apply the payments since XX/XX/XXXX as I directed so that as the principal is paid down monthly, the monthly amount going toward interest is also reduced.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
The Home Depot credit card through Citi bank offers a {$25.00} discount on your first purchase. I purchased an item on XX/XX/XXXX for {$37.00}. I now have my XX/XX/XXXX statement with a balance of {$37.00} and minimum due of {$28.00} on XX/XX/XXXX. I should only owe {$12.00}, but they want me to pay {$28.00} and wait for them to process that, then ask for the money back they owe me - or, I can pay what I actually owe and have a derogatory mark on my credit report. 

I spoke with them last week ( Saturday XX/XX/28 ), the person I spoke with said he was processing my credit and that, while it wouldn't show up in my statement for a long time ( one to two credit cycles ), it would be reflected in my online balance in a matter of days. today is XXXX and it hadn't shown up so I called again. I spoke to a clerk, then a manager. both saying the credit would not show up for a cycle or two, and that I need to pay them money I don't owe. 

I told the manager that every other credit card company I have ever dealt with, which are many, can apply changes to an account and they show up within days - if not instantly. if they have put my credit in, why are they unable to reflect it on my account?! 

I should not have to send them money that is not owed to them and wait the same amount of cycles for them to send it back to 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 2020-04-03 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had fraudulent charges and was told not to make a payment until my account was credited I have a excellent on time payment I contacted Wells Fargo and was told to disputed thru the credit company and that did not change anything I call Well Fargo back and was told that they can not pull any info on account because it was already closed I paid off the account In Full I also bank with Wells Fargo

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Synchrony Bank and XXXX XXXX  are reducing credit limits arbitrarily, thereby making credit card usage appear higher which negatively impacts credit scores which increases interest rates. This is causing consumers to spend more in interest to purchase cars, housing, etc. 

The accounts I have with both these banks have NEVER had a missed or late payment. They are using some computer generated model to determine a persons credit worthiness and they then reduce the limit or close the account with no notice to the consumer, which is an entirely unfair practice. 

The file I attached shows how XXXX  listed my credit limit decrease immediately before my credit use increase, even though I had not used that card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: CA

Complaint narrative:
I'm a XXXX veteran and have been using Direct Express ( DB ), Comerca Bank ( CB ) Card, which treasury department sends electronic deposits and I been using DB for many years but trying to close and transfer balance of {$19.00} to new bank but CB automated system is denying because it's less than {$20.00}. I have already had Treasury department sucessfully send my new deposit to XXXX  XXXX XXXX XX/XX/2020 therefore they have my cheking and routing number but now CB is making difficult and creating obstacles to people with XXXX to close account and worry they may be intentionally doing this so they can keep balance. I agree to pay any fee 's to transfer but they're automated system deny 's us that option to transfer and request they comply with ADA and change their internal automated XXXX Customer Service system which can be simplified and accessible 24/7-365 Days a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Was on hold with CitiBank for 49 minutes and when a guy answered asked for my CC number they hung up super fast, called again and waited another 40 minutes and the didnt ask for my card number and actually let me speak. XXXX  werent doing deferments because of Covid 19, just like 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
Consumer complaint received 2020-04-03 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: OH

Complaint narrative:
I received an email from Citi Card stating my account had been closed and to login to see the secure message. The message read that the account had a {$0.00} balance and is " inactive ''. I received NO correspondence before this closure. I did NOT request or give Citi Card permission/consent to close the credit card. The credit card was my first credit card and my oldest tradeline with the credit reporting agencies. Therefore, the closure of this credit card will have a negative impact on my credit score. I called Citi Card 's customer service to ask why the credit card was closed without my consent or  knowledge. The customer service rep stated it was a " policy '' to close credit cards after inactivity. I asked for that " policy '' in writing on their Cardmember Agreement. It is NOT written in their agreement. I was transferred to a service manager, XXXX in Kentucky ( she was very sweet and kind ), and she stated that it is a " general policy '' that Citi Card closes inactive accounts without consent or knowledge. She referred to this line in their Cardmember Agreement " We may close or suspend your account if any of the events listed above occur, or for any reason, or for no reason. We may do this at any time, without notifying you, as allowed by law ''. I asked for the law and written policy that this line refers to, and she could not provide it. However, she could reopen the account, but she would have to pull my credit report and could not guarantee the reopened account would revert back to original opening date and history. Again, this would damage my credit report. I feel that Citi Card saw this COVID-19 pandemic as a threat to their credit card portfolio/bottom line and closed " inactive '' accounts to keep customers from using them in their hardships.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I applied to open a checking account with CITIBANK. They approved it and I made a mobile deposit of my tax return of {$1200.00}. The next day I discovered they closed it and blocked any access to my funds. They said it was because of information theg get from early warning systems. I have been unable to reach an to help me understand what that information was. I live in XXXX XXXX Michigan. The closest office is in XXXX, and on top of it being far away, there are travel restrictions in place. I desperately need my money back. Please help. All I want is to move my money out to another account I have at another bank. They refuse to help me in any way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
We had a charge, last month from a company called " XXXX XXXX '' that charged our card. What was strange is that we hadn't done any business with XXXX XXXX for nearly 7 years. In that time my credit card number had changed a number of times and they had the most recent number, which I most certainly did not give them. We did dispute the charge and ultimately, it was resolved, however, how did they get the number? 

In an effort to stop these sorts of charges and to get ahead of vendors that had our cards on file for auto-pay during the pandemic, we cancelled our old card and issued a new one. On XXXX, I noticed that a remarkable number of our vendors HAD OUR NEW CARD NUMBER and their charges went through even though we had not given them the new card numbers! On XX/XX/2020 at roughly XXXX XXXX I called Capital One and spoke to a representative there. 

I was told that Visa, the organization that manages my card, has an agreement with certain vendors where they are given access to my new credit card number as a COURTESY TO THE VENDOR! I was shocked. I was told that I would have to negotiate WITH EACH VENDOR to get them to remove the auto update clause from the contract if I wanted to opt out of this program. 

At no time was I presented with ANYTHING that outlined this " service '' or required my expressed authorization to enable it on my account. If I did, it was not marked clearly or done fairly. 

There was one option, which I opted for, I had to lock my credit card for all charges and then add new accounts to a new card one at a time, which is a stop gap but the amount of charges that hit my card will have a significant impact on on my cash flow in these coming months. 

As a small business I should have the flexibility in determining who gets paid when, not VISA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: GA

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 
This account was removed but mysteriously found its way back onto my reports .... 

EXPERIAN : XXXX, XXXX XXXX XXXX XXXX # XXXX {$280.00} XXXX  : XXXX XXXX # XXXX {$280.00} look at the difference in the creditor names ... ... this is fraud ... .please remove immediately as it was before and please don't allow this to be put back on 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 2020-04-03 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: GA

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 
This account was removed but mysteriously found its way back onto my reports .... 

XXXX  : XXXX, XXXX XXXX XXXX XXXX # XXXX {$280.00} TRANSUNION : XXXX XXXX # XXXX {$280.00} look at the difference in the creditor names ... ... this is fraud ... .please remove immediately as it was before and please don't allow this to be put back on 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 2020-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Called XXXX credit card ( Comenity ) on XX/XX/2020 @ XXXX and sent email via profile on XX/XX/2020 asking for late fee to be waived. Due to my payroll was delayed since I was sent home from work due to an employee coming into the office who had XXXX. The employee did not quarantine himself for 14 days as instructed. So everyone was sent home immediately. Therefore my timecard was not submitted for payroll. So I had to wait until my manager spoke with payroll so I am just now getting paid a month later since she missed the cut off time. I just got approval from my employer to get up computers to work from home. So I asked the late fee to be waived since this was out of my control. I spoke with a customer service rep and I spoke with a supervisor by the name of XXXX who explained it was nothing that can be done. For someone who still made a payment once I got paid to make sure they received payment. He was not sympathetic to my situation. This is unacceptable with everything going on in the world.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
For years I have kept a home protection warranty with XXXX XXXX XXXX and paid roughly {$56.00} a month. In XX/XX/2019, I sold my home and I subsequently cancelled my warranty which was automatically billed on my credit card. 

Also in XX/XX/2019, my credit card with XXXX was picked up by a skimmer in Kansas during a business trip and I cancelled the credit card to prevented the many unauthorized charges that were occurring on my credit card. 

In XXXX of 2019, I had purchased another house and I established another warranty with XXXX XXXX XXXX which made my original warranty unnecessary after the sale of my house on XX/XX/2019. 

XXXX  bills the credit card on a monthly basis to renew the agreement. When a representative called me approximately 2-3 months later, I told them that I had cancelled the warranty and my house was sold on XX/XX/2019. They said that they would transfer me to someone else, and I wound up on hold for a very long time, which is what happens any time you attempt to call XXXX. 

If any balance was due for XXXX, I'm happy to pay it, if any service claims were unpaid, I am happy to pay it. But they are attempting to charge me {$210.00} which is unfathomable how they would think that {$210.00} is due. To date, I do not have an itemization of charges that they claim that I owe, so I can only assume that they are trying to bill me for months after my cancellation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: EQUIFAX, INC.
State: WV

Complaint narrative:
I just got a credit card from XXXX XXXX. I have been using and paying on it to build my credit higher. I went to use it on the XXXX and it said declined. I called XXXX XXXX and they advised it was closed due to Fraud. I asked why and was advised the credit Bureaus has reported it has a fraud account. I did not report that to them and it should have never been reported as such. I did file a complaint advising I wanted my report updated with the balance on my card. I lost points applying for this card on my report and now I have to reapply for the card and got denied. I want an explaination as to why this was done and the points removed from my credit report for applying to this card and XXXX XXXX updated that it was not a fraud account. Now, I have two hard inquiries on my credit report that I want removed.

Company response to consumer: Closed with explanation