vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-30 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2022 i made a purchase thru XXXX for the amount of {$470.00}. I used XXXX points from my Thank you points total earned .equals to {$220.00} in cash. So my total charged to CitiBank was {$240.00}. On XXXX i disputed this charge due to never received the item from XXXX ... Dispute # XXXX XXXX dispute was closed in my favor after an investigation was completed by CitiBank. On XXXX i called CitiBank Thank you points department and was told a case was opened,, XXXX # XXXX and that my points were going to be returned to my account. By XXXX. Today i called again and was told. It will take another 60 days for a resolution to be made. I feel CitiBank is not dealing in good faith when it comes to my Thank you points earned. The customer service agents i spoke have been very rude and misleading comes to my issue. I earned my Thank you points by making purchases and paying on time.

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 2023-03-30 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: SC

Complaint narrative:
Hello, I have never received my original contract with my wet signature and I never signed a contract with XXXX XXXX and they have failed to validate the debt. You have violated and compromised my private information according to the Gramm-Leach-Bliley Act. Please send me copies of the original contract with my signature. If you can not find any of the info above immediately remove this account from my credit report. I have attached my license for proof of my identity.

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 2023-03-30 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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have a Visa credit card from Citibank associated with Costco, however I use my other Visa card from different bank and never even activated the one from Citibank. I didn't realize that the Citibank Visa card will automatically charged my membership fee with Costco and I was out of the country from XX/XX/XXXX to XX/XX/XXXX this year. After I came back I found bills from Citibank charged my membership and late fees totaling more than XXXX dollars. I spoke to both Citibank and Costco and was told my membership fee was automatically charged and I had no way of knowing it until the bill came in XXXX. Since I was out in XXXX and I didn't know until I came back on XX/XX/XXXX. I also pointed out that I had shopped in XXXXXXXX XXXX Costco for at least 5 times and was recognized. And I, in accordance with the Citibank manager 's advice, remitted the membership fee. But yesterday I received another bill from Citibank, still charged me late fee. I called the Citibank manager, named XXXX, but he claimed he can't remove it. So here I am, filing this complaint for your judgement.

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 2023-03-30 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a Citi Premier card on XX/XX/2023 with a promotional bonus of spend {$4000.00} within 3 months to earn XXXX Citi ThankYou points. While I opened the card on XX/XX/2023, I did not receive the physical card in the mail until XX/XX/2023. Additionally, I was not given the option to have a temporary card number or to add the card to my digital wallet, therefore I could not use the card until it arrived on XX/XX/2023. 

My spending eligibility period ends 3 months after account opening, on XX/XX/2023. However, since the card did not arrive until XX/XX/2023, I didn't truly have 3 months to spend on the card, therefore I feel that the promotion is misleading. I requested an extension in XXXX after receiving the card, and was told to call back nearer the end of the period. I also called again on XX/XX/2023 to inquire about extending the bonus spending period beyond XX/XX/2023 to account for the lost time, but a supervisor did not seem to follow the request or was not offering to do so. 

As of writing ( XX/XX/2023 ), I am {$460.00} short on the spending requirement, and won't be able to meet it by XX/XX/2023. As it will be too late by the time this request is responded to, I would ask for a courtesy XXXX points once I have met the {$4000.00} spending requirement within 3 months of receiving the 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 2023-03-30 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: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-30 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: SC

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: PA

Complaint narrative:
On XX/XX/2023 XXXX dollars was transferred from my Credit Karma savings account into an account that does belong to me. I let credit Karma know and filed a police report. My email was able to be used without my knowledge and I wanted credit Karma to reach out by phone but they refuse phone correspondence. I am not certain what is happening with case. There were also fraudulent charges in my credit Karma checking account. I have done everything credit Karma asked of me that was in my control and there has not been a clear response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This account was opened fraudulently online this debt is not mine. I was just alerted by the credit bureau about the debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. In XXXX of XXXX, a XXXX XXXX collection account was opened under my name without my knowledge or consent and was used and left a {$4600.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. In XXXX of XXXX, a XXXX XXXX XXXX account was opened under my name without my knowledge or consent and was used and left a {$4600.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.

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 2023-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
In XXXX I requested forbearance due to income issues due to XXXX. I received 2 extensions ( ended XX/XX/XXXX ) At that point I requested paperwork to see what my options were at that time, including but not limited to loan modification. I never received the paperwork. In XXXX of XXXX I requested the paperwork again. The only option I had at that point was a loan modification. I started the process and finally got it approved and settled in XXXX. I met all the requirements of the loan modification during the trial period. The loan modification was officially finalized on XX/XX/XXXX. 
SInce XX/XX/XXXX I have been trying to get dates and letters from Citizen so that I can refinance with another institution. I have even had conference calls with loss mitigation, customer service, my mortgage broker, and the perspective new lender outlining all the information that is needed, and STILL have not been able to get basic information that we need. We have even faxed the request to both customer service and loss mitigation, but to no avail. 
The information we need is : .1 The date of the end of the final forbearance .2 Documentation or confirmation the borrower applied and submitted documents at the end offorbearance.

3. We need verification demonstrating the borrower applied for modification at the appropriate times. 4. Timeline of application for modification and when the servicer approved the modification.

5. Payment plan prior to modification.

We need to see the borrower met all forbearance and pre-modification agreements with the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Using Chase 's XXXX XXXX portal, I booked a hotel room for XX/XX/XXXX. I attempted to book this and a rental car with their travel specialist, but she tried to reserve a vehicle in XXXX, XXXX instead of XXXX, NJ, which is over 500 miles away. 
I reserved and paid for a specific room type under ID XXXX. When I arrived at the property, I was given a substandard room with the notification it was what Chase had reserved. Calling Chase ( 1.5 hours on hold ) they blamed their third party vendor, XXXX, or XXXX, and the property manager indicated this specific mistake is a common occurrence with Chase. It was over 3 hours before we were able to get the room I paid for, which I only got because Supervisor XXXX, XXXX said I would need to pay the room charge out of pocket and seek reimbursement. I did this, even though I wanted to cancel the room at this point. I could not because this reservation was non-refundable, and there were no other rooms for rent within 35 miles. 
Chase opened a case and on XX/XX/XXXX XXXX XXXX indicated that the refund would be issued in the form of points with the same cash value within 48 hours. After 48 hours without this refund, I called in and was told that now it will be 1 - 2 billing cycles, which is not acceptable, nor in line with the email I received with 24 - 48 hours for deposit. 
Chase opened a case for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As I had reported to your office in bank in XXXX, as a consumer, I was a victim of predatory lending by XXXX XXXX of XXXX, NY ( car dealership ) and XXXX XXXX Bank and XXXX. These two entities played in concert to inflate my income to justify the debt-to-income ratio in getting me into a used XXXX XXXX XXXX that I could not afford and had no business getting into. All the proof is in writing so no way for anyone to dispute what I provided as my income and what XXXX Bank shows as my income. Over XXXX off in what I make per year to what they are showing. XXXX XXXX ( the dealership ) is now pointing its finger at XXXX Bank to blame and the bank is blaming the dealership. While XXXX stuck as the victim of a fraudulent debt and XXXX Bank destroying my credit at free will each month. 

Long story short, as I am immensely struggling to make the above car payment living on XXXX and on Social Security benefits, my attorney and the bank 's attorney ( as you can see attached correspondence dated XX/XX/XXXX ) came to a settlement that affective XX/XX/XXXX by monthly payments would decrease to {$450.00} per month ( still very high but will try my best to pay ) and my credit report will be cleaned and no longer show delinquencies. As you can imagine, XXXX Bank has been pummeling my credit each month. In return to the above amicable settlement, I was to no longer complain or talk about the scheme that I was a victim of between XXXX XXXX and XXXX Bank. 

Today, XX/XX/XXXX, as I was preparing to make the above {$450.00} payment to XXXX Bank for the XX/XX/XXXX auto loan payment, I got the attached " delinquent '' alert from TransUnion? Seriously? Claiming that I was delinquent in a payment again and now owe the bank the amount of {$1900.00}? I immediately called XXXX XXXX Bank and XXXX this morning and spoke to a XXXX XXXX and he said " unfortunately will we continue to hit your credit as delinquent as there is nothing we can do about it. Agreement or no agreement. '' Nothing short of disturbing the scheme, scam and bullying that I've been subjected to as an innocent consumer. They are trying to shake me down in any way possible. Either pay the bad loan we tricked you into or we will continue to destroy your credit. Agreement or no agreement. 

What makes matters worse is that I'm trying to co-sign on a loan for my daughter and XXXX Bank and XXXX has destroyed my credit to the tune of over XXXX points per bureau to force me to pay for their predatory lending scheme.

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 2023-03-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
As I had reported to your office in bank in XXXX, as a consumer, I was a victim of predatory lending by XXXX XXXX of XXXX, NY ( car dealership ) and XXXX XXXX XXXX XXXX XXXXXXXX. These two entities played in concert to inflate my income to justify the debt-to-income ratio in getting me into a used XXXX XXXX XXXX that I could not afford and had no business getting into. All the proof is in writing so no way for anyone to dispute what I provided as my income and what XXXXXXXX XXXX shows as my income. Over XXXX off in what I make per year to what they are showing. XXXX XXXX ( the dealership ) is now pointing its finger at XXXXXXXX XXXX to blame and the bank is blaming the dealership. While Im stuck as the victim of a fraudulent debt and XXXX Bank destroying my credit at free will each month. 

Long story short, as I am immensely struggling to make the above car payment living on XXXX and on Social Security benefits, my attorney and the bank 's attorney ( as you can see attached correspondence dated XX/XX/XXXX ) came to a settlement that affective XX/XX/XXXX by monthly payments would decrease to {$450.00} per month ( still very high but will try my best to pay ) and my credit report will be cleaned and no longer show delinquencies. As you can imagine, XXXXXXXX XXXX has been pummeling my credit each month. In return to the above amicable settlement, I was to no longer complain or talk about the scheme that I was a victim of between XXXX XXXX and XXXXXXXX XXXX. 

Today, XX/XX/XXXX, as I was preparing to make the above {$450.00} payment to XXXXXXXX XXXX for the XX/XX/XXXX auto loan payment, I got the attached " delinquent '' alert from XXXX? Seriously? Claiming that I was delinquent in a payment again and now owe the bank the amount of {$1900.00}? I immediately called XXXX XXXXXXXX XXXX XXXX XXXXXXXX this morning and spoke to a XXXX XXXX and he said " unfortunately will we continue to hit your credit as delinquent as there is nothing we can do about it. Agreement or no agreement. '' Nothing short of disturbing the scheme, scam and bullying that I've been subjected to as an innocent consumer. They are trying to shake me down in any way possible. Either pay the bad loan we tricked you into or we will continue to destroy your credit. Agreement or no agreement. 

What makes matters worse is that I'm trying to co-sign on a loan for my XXXX and XXXXXXXX XXXX XXXX XXXXXXXX has destroyed my credit to the tune of over 140 points per bureau to force me to pay for their predatory lending scheme.

Company response to consumer: Closed with explanation