vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I applied two amex credit cards ( delta Golden and platimun  ) from last XXXX. After three months they denied the welcome bonus for me because i am ineligible. However i didnt see any notifications when i applied. Just want to tell people be careful in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
They reported a negative and erroneous error on my credit report. They do not have any document having my written signature or a contract that obligates me to pay them. I have no relationship with them, I owe them nothing and they continue to say that they are validating a debt which I owe them nothing. I sent them a certified letter asking for written proof and they have failed to do that. Sending me an electronic type statement is not " validation of a debt ''. I informed them that if they do not delete this from my credit report I will look to take legal action against them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am complaining about an XXXX Mastercard that my husband had. My husband passed away in XXXX XXXX. Now it is XX/XX/XXXX and XXXX Mastercard continues to send monthly statements with an interest fee that continues to increase. I have contacted them multiple times to report him deceased and to close the account and cancel the card. In XX/XX/XXXX and XX/XX/XXXX, an insurance company inadvertently charged car insurance and home insurance to his credit card, when I thought the account had been closed. I sent XXXX a payment for the charges since I drive the cars and own the house. I would like XXXX Mastercard to stop sending statements and bills, as I do not owe them anything.

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 2020-05-18 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: AL

Complaint narrative:
I was notified by letter I received on XX/XX/XXXX that was dated XX/XX/XXXX that my AT & T Universal account that I have had since XX/XX/XXXX had been closed because it was inactive for more than 2 years. In fact the account was last used XX/XX/XXXX so it has not even been 2 years. 
I called that evening and asked it to be re-opened, and they said all I had to do was request it. I did that. 
Then I received two letters on XX/XX/XXXX. One was dated XX/XX/XXXX that the account could not be reopened as it was a joint account and then the second one dated XX/XX/XXXX that Citibank needed to access my credit information at XXXX which was blocked and that I needed to unblock it and call Citibank back when I did that. 
I contacted XXXX and unblocked my account and called Citbank back, but was told that it could not be re-opened anyway. I would have to reapply for a new card. I did some research and double checked the last time the card was used. Indeed it has been less than 2 years. 

I called again this evening and spoke with a representative who reiterated that the policy was a 25 month period of inactivity was grounds to close the account. I pointed out again it had been less than that, and he checked and verified that the last use was XX/XX/XXXX. Despite that he said now that the account was already closed, there was nothing he could do but I could reapply for a new card. I asked for a supervisor and XXXX ID XXXX also confirmed that 25 months of inactivity was the policy, but she couldn't do anything either because the account was already closed, and I would have to reapply for a current account because this was a " grandfathered '' account they don't offer any more. It was the introductory offer when AT & T first offered the card. 

It is clear that Citibank violated their own policy, and the account closing was unjustified. Citibank seems to want to get rid of the old agreements in favor of new ones and will go to unfair lengths to do just that. It should be their responsibility to reinstate the account exactly as it was because it had not been a long enough period of inactivity. Additionally the notification of the closing was deficient as well because even a simple notice would have precluded all of this which is apparently their goal. The application of this inactivity criteria is unfair and deceptive, and was intentionally applied incorrectly to end a credit agreement. The reinstatement process is a sham as well requiring ineffective calls with long periods of silent holds to wear out the consumer. The call ends in asking me to reapply from the beginning for one of the newer products which seems to be their goal all along.

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 2020-05-18 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2020 fraudsters, XXXX XXXX and XXXX XXXX were able to access my account and fradulently take out a personal loan in the amount of {$3500.00} and now Navy Federal Credit Union is holding me responsible for paying off that loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
Citizens bank is demanding a balloon payment after three months forbearance ; those of us who own XXXX   XXXX certainly haven't had normal revenue these three months. Asked to merely tack on three months to loan duration in order to stay current ; bank offers nothing but a balloon payment. 

Customer service just tells you " that's all the bank is offering '' My mortgage is {$3600.00} mth ; in forbearance currently since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
Lost my debit card and it was used for several small purchases from vending machines where I live none of which exceeded {$2.00}. I phoned them and they refused to reverse the charge saying they had reversed an overdraft charge before. I am old and living on Social Security and can not afford this XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
In previous complaint XXXX. Referring to the company freedom mortgage purposely switching names on the loan without consent of either party. My name was taken off of the loan, for no reason. Someone else was placed on the loan. Which at that time I was not receiving mail, or able to even call to make a payment since my social, or name did not match what was on file. I asked for the payments to be placed on the end of the loan to make it current which did not happen. Now I am unable to make a payment since I am so far behind due to Freedom mortgages mistake. They want all of the payment up front from XX/XX/XXXX when they made the mistake till XX/XX/XXXX. I have tried to make 2 payments and still can not. I would like for the mistake they made to be placed on the end if the loan. I will make XX/XX/XXXX as well as XX/XX/XXXX current from there. I have lost my job due to covid 19 and they are still trying to take my home, just like they were before. AGAIN, I HAVE TRIED TO MAKE PAYMENTS BUT YOU WILL NOT LET ME BECAUSE YOU WANT THE WHOLE THING UP FRONT!

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 2020-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I've had a hard time getting a job since moving grom XXXX to XXXX and fell behind in my credit card account and home internet service. I started a job on XX/XX/20 XXXX an XXXX XXXX XXXX. When faced with a possible account closure I took an advance and made a payment of {$300.00} when the minimum payment allowed was {$250.00} on XX/XX/20. On XX/XX/20 I paid the remaining balance, {$1100.00} and now I can not use the card because they placed a hold on my payment and told me to wait until the hold was cleared. This is Capital One, when I call, they make me wait on hold and eventually hang up on me. When I talked to them they said they need verification for the last payment, I already have that in an email but they won't even update my account to reflect the last payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: FL

Complaint narrative:
The following attached letters were submitted to each credit bureau over 60 days ago and they have not responded. Please see the updated attached letter. 
The following accounts are not mine : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX/XXXX DEPTEDXXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX The following inquiries were not authorized : See attached letter

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 2020-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
I called IQ Data first XX/XX/XXXX, XX/XX/XXXX and then XX/XX/2019 and left a voicemail each time. This was after I received a letter from XXXX XXXX XXXX XXXX XXXX that I owed a debt. I also reached out to XXXX XXXX XXXX XXXX to resolve the issue prior to contact with IQ Data International. Upon calling IQ Data International these three times I did not receive a call back until XX/XX/XXXX when the bill was sent to collections and reflected on my credit. Upon this call I received a response of derogatory language and refusal to handle or look at my dispute information. The only way you would look at my dispute information for which I had previously mailed was if I would give you my credit card as a placeholder. IQ Data said they would give me an email address for a supervisor to send my dispute information to. I gave my card to get the email. I sent the info immediately. The next morning the charge was made to my credit card. I immediately called my bank to let them know I did not authorize the charge and explained what had occurred on the phone with IQ Data. On XX/XX/XXXX I again talked with IQ Data after they received notification from my bank that I had not authorized the charge, they said they would charge me for bank fraud, make sure I would never rent again and my credit would be ruined. I asked to speak to a supervisor who then raised his voice at me and said that they would not review any of my dispute information and they would indeed take me to court, sue me and make sure I am brought up on charges. I said there is not justification for this as I did not authorize the payment they kept saying they had the call recorded. I said okay, great then a judge can review it and hear I was blackmailed into giving a card in order to get a email to send dispute information for my file to be reviewed. I have submitted 2 complaints with the XXXX and a review of the business to try to resolve this and they are to no longer contact me after this last interaction. I have sent dozens of emails with the dispute information to them showing the debt false. These emails include the DV information, ledger, laws, photos upon my move out etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I took delivery of a new XXXX XXXX XXXX on XX/XX/2020. The 1st ( lease ) payment of {$390.00} was made at the dealership that day. I created a " payee '' on my Credit Union website using a " place holder '' for the account number, which I neglected to update before the next scheduled payment date. This resulted in my CU sending a paper check with an incorrect account number to Kia Motor Finance ( KMF ), which  could not process it. On or about XX/XX/XXXX, realizing my ( account number ) error, I attempted to make a one-time payment from the KMF website, which did not work. I called KMF multiple times during XX/XX/XXXX to ensure my repeated attempts to make payments in a timely manner were documented. A KMF agent told me in XX/XX/XXXX that the listed payment amount was incorrect because the wrong county tax rate had been applied ( by the Kia dealer presumably ) and that future payments would be {$360.00} ( KMF website still indicated {$390.00} as of XX/XX/XXXX ). The {$390.00} payment due XX/XX/XXXX was ultimately recognized/processed on XX/XX/2020 ( KMF requested a fax from my CU, which the CU reportedly sent ), which is 15 days after the due date, incurring a late fee of {$18.00}, which an agent reportedly waived as a courtesy. According to KMF, credit report exceptions are not sent until an account is 30 days past due, yet I had a late payment report filed with the credit agencies. On XX/XX/XXXX, my CU made an electronic payment of {$380.00} ( {$360.00} + XXXX for the " waived '' late fee ), which was processed by KMF on or about XX/XX/2020 ( again KMF needed a fax confirmation from the CU ). On XX/XX/2020 I contacted KMF to  ascertain why the website indicates {$390.00} is due XX/XX/2020 and discover how an account of 3 months age with two on-time payments could be charged multiple late fees. I reviewed the account history with an agent, who acknowledged the account history looked untoward and connected me with a supervisor, who said my electronic payments are actually sent as paper checks ( my CU disagrees ). The supervisor disputed that multiple fees were being applied and the line went dead ( I sincerely hope he didn't hang up on me ). As of XX/XX/2020 I have made two payments of {$390.00} and one of {$380.00} to an account that according to KMF should be due {$360.00} monthly.

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 2020-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I file a dispute on XX/XX/2020 and XX/XX/2020 with transunion they failed to reply

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 2020-05-18 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: DISCOVER BANK
State: CA

Complaint narrative:
Received a letter that my account would be closed to do inactivity for 18 months or longer this information is incorrect i have use the card 2 times and had paid in full and also prior to this letter I had spoken with CS agent and that will not be happening

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
NAVY FEDERAL DISAPPROVED MY LOAN DUE TO INSUFFICIENT INCOME. 
I JUST OBTAINED A VEHICLE LOAN FOR XXXX IN XX/XX/2019 FROM NAVY FEDERAL. 
I PAID THE LOAN OFF IN XX/XX/XXXX WITH A BACK PAID AMOUNT THAT I RECEIVED FROM VETERANS AFFAIRS. I OWE XXXX IN THE LOAN TO NAVY FEDERAL. 
I REQUESTED AND RECEIVED A LOAN FOR XXXX EMERGENCY FUND IN XX/XX/XXXX. I WAS GOING TO USE IT TO FIX MY ROOF AND THEN I WAS TOLD BY SEVERAL CO THAT I NEED A NEW ROOF ENTIRELY. AMOUNT XXXX. 
I ALSO HAD ISSUES WITH BASEMENT SEVERE LEAKING NEEDED WATERPROOFING XXXX - XXXX. 
I APPLIED FOR A LOAN TO BE PAID OFF IN 36 MONTHS. 
I MAKE XXXX A YEAR. 
I DO NOT HAVE ANY OUTSTANDING DEBT. 
I BELIEVE NAVY FEDERAL DISAPPROVED ME OUT OF RETALIATION FROM FILING AN ISSUE ABOUT MY CREDIT CARD REPORTING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DC

Complaint narrative:
I contacted Citibank about my Citi / AAdvantage Platinum Select World EliteTM MasterCard-XXXX to ask for a forbearance of 2 months per CARES ACT. They denied my request even though my account had never been past due, because after my father died, I asked to be put into a fixed payment plan of {$130.00} a month! Their reason is that if in one plan, no assistance would be made available under CARES ACT for Covid19. I called them at least 20 times and sent faxes to only have my payment differed 2 months during this crisis. They called me 47 times in 14 days and threaten to destroy my credit for late payment, ruin my credit score and possible legal action if I didn't pay. I am only 14 days past due! Citibank is taking advantage of dis fortunate and underprivileged people while only allowing CARES ACT protections for those who don't need it.

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 2020-05-18 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: Nextep Funding LLP
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a call from XXXX XXXX XXXX, XXXX, in regards to an account with Nextep Funding. I advised the representative I was at work and unable to continue with the call at that time as I was expecting a work related phone call. The representative asked that I call her back later today. I advised her I worked late and would not be able to call back today. The representative continued to say " you are on the phone and when the call comes in you will know. '' She then proceeded to ask me questions in which I declined to answer and advised her if she would like to make an agreement to pay then to send it in writing to my address of record. She refused and stated that my credit is very important and it would have negative effects if I did not pay in full today. The company has already been reporting since XX/XX/XXXX to the credit bureaus. When I advised her that if I did not get off of the call, I would lose my job and not be able to pay, she threatened to " recommend legal action and negative reporting on my credit reports '' and would comment that I refused to pay. I disputed the balance owed ( as incorrect ) on XX/XX/XXXX with no response. On XX/XX/XXXX, I disputed again stating I did not receive a response within the allocated timeframe and requested the information be removed. This dispute is still active with XX/XX/XXXX and XX/XX/XXXX. I believe this company has violated both the Fair Credit Reporting Act and Fair Debt Collection Act with their illegal practices. I never received a letter to my address advising me that the account was moved to a collection agency or my right to dispute. They only send generic emails to the email address I provided at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: FL

Complaint narrative:
The following attached letters were submitted to each credit bureau over 60 days ago and they have not responded. Please see the updated attached letter. 
The following accounts are not mine : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX/XXXX DEPTEDXXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX The following inquiries were not authorized : See attached letter

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 2020-05-19 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: FL

Complaint narrative:
The following attached letters were submitted to each credit bureau over 60 days ago and they have not responded. Please see the updated attached letter. 
The following accounts are not mine : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries were not authorized : See attached letter

Company response to consumer: Closed with explanation