vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
XX/XX/XXXX, I received a Promotional Offer from Citizens Bank that came in the mail, offering up to {$600.00} if I opened a new checking and saving account. On XX/XX/XXXX, I went to the branch whose address appeared on the offer ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ) and spoke with Associate XXXX XXXX ( XXXX ID # XXXX ). I explained that I just received this offer in the mail and asked her what I needed to do to receive the offer. I gave her the offer and she asked me if I wanted to open up both accounts to receive maximum offer of {$600.00}, to which I said yes. The offer required a minimum deposit of {$15000.00}, be maintained for at least 3 months, and the checking account required a direct deposit of {$500.00} or more within 60 days. The offer states that if the deposits were maintained for the required period, the bonus would be paid by XX/XX/XXXX. 
I opened a XXXX XXXX account and deposited {$15000.00} by way of a personal check. I then opened a XXXX XXXX XXXX account with a {$200.00} personal check, and my Bi monthly direct deposits of {$170.00} started on XX/XX/XXXX and continued to date, totaling over {$1400.00}. 
On XX/XX/XXXX, I contacted the customer service department after becoming concerned that I had not received a notice advising that I had met requirements of the offer, and date I would receive my bonus. Customer Service Associate XXXX XXXX XXXX XXXX office ) who reviewed my account and the offer, and believed that the requirements of the offer had been met, and advised that he would submit a pay request, and I should have the bonus within XXXX business days. 
When I did not receive the bonus by XX/XX/XXXX, I contacted Customer Service again and spoke with a XXXX XXXX XXXX XXXX XXXX ) who stated that I should receive my offer bonus by XX/XX/XXXX. 
When I did not receive a deposit in my account by XX/XX/XXXX, I again contacted Customer Service and spoke with Supervisor, XXXX XXXX. She would try to explain to me that I did not meet the requirements of the bonus, because I did not make a one-time deposit of {$500.00} or more from my direct deposit. She then referred the entire case back to the original Branch office to be investigated by XXXX XXXX XXXX ID # XXXX. 
This complaint was supposedly turned over to the Branch manager on XX/XX/XXXX, and to this date XX/XX/XXXX, I have not been contacted by anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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:
This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ;

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 2019-07-09 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:
This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I recently received and closely studied a copy of my credit report. To my dismay, it seems as though Experian XXXX XXXX is reporting an alleged Inquiry for several dates of service : XX/XX/2019 XX/XX/2019 XX/XX/2019 that has been unauthorized, not compliant, or without permissible purpose onto my credit report. I then send them a certified letter with return receipt # XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. I understand that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The inquiry showing by this company is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding they have no right to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of truth, accuracy, timeliness, and compliance on any consumers credit profile history much less one that has lodged a compliant checking for and calling for proof of said compliance to current federal and state regulatory reporting statues and laws UNLESS it is irrefutably shown that not only that I have authorized it but that the manner the alleged inquiry was processed and reported was in full agreeance to the acceptable standards of laws related, known or not.

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 2019-07-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
on XX/XX/2019 I sent NCB MANAGEMENT SERVICES a Debt Validation letter they received it on XX/XX/2019 they didn't respond at all at first then I received a letter from XXXX XXXX XXXX claiming they are collecting the debt for ncb management and if I have any questions to contact them about the debt. but NCB management is still reporting the debt to the credit bureau 's on my credit report and they also have updated the credit bureau 's that the despute has been resolved but it has not been resolved. I have not been sent any validation of this debt and it has been over 30 days. I have not heard anything else from them on this matter but the debt is still showing on my report. they are breaking all the laws on debt and credit bureau reporting which states they should validate the debt when requested. I have included the letter I sent them and the letters I received back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: VA

Complaint narrative:
In XX/XX/2019, I received a call from Security Credit Services SCS office notifying me that you are a collection agency and that I owned your office {$1500.00}. I informed the person on the phone that it was not account and that I need all the information that was used to open the account so that I could turn it over my local law enforcement Identity Theft department. I was told the information was on the way. 
During a review of my three Credit Reports, I noticed and collection item from Security Credit Services SCS for XXXX. On XX/XX/2019 I forward a certified express letter to Security Credit Services SCS addressed to the owner, Mr. XXXX XXXX XXXX XXXX requesting inform about their demand that I pay them XXXX so that I can file a report with my local police department. As of the date of this complaint on the date of the letter, I have not heard from Mr. XXXX or anyone from his company. Also, in my letter I requested that Security Credit Services SCS or anyone in their employment not call me about this matter. 
In an effort to circumvent federal law ( the Fair Credit Act ) Mr. XXXX company has forward my personal without my consent to XXXX XXXX XXXX to harass me and my family. XXXX is call my home and cell every day, even after I have informed them that is account is not mine. One call from XXXX XXXX, the person on the phone told my wife that If I did not call them back by the end of the day, hey was going for file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: GREAT LAKES
State: GA

Complaint narrative:
( XXXX XXXX XXXX ) Account Number : *** To Whom It May Concern : I would like to make arrangements to settle the above referenced matter. 

Please provide me with your statement of the amount owing as of XXXX XXXX weeks together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 


Please provide original master promissory note. Thank you very much

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a charge on my Citibank XXXX Mastercard on XX/XX/XXXX in the amount of {$370.00} to the XXXX XXXX XXXX, XXXX. I filed a dispute with Citibank and was notified on XXXX posted on XX/XX/XXXX and it was labeled as " Reverse by XXXX ''. It was not labeled as a conditional credit in the amount of {$370.00} and also on XX/XX/XXXX, I received a credit for the {$29.00} for an additional charge by XXXX. Neither of these credits was labeled conditional by Citibank. I did receive an email from Citibank on XX/XX/XXXX, indicating that I must sign a letter and fax it back to Citibank by XX/XX/XXXX indicating that still wanted to continue my dispute. I did sign and faxed the letter back to fax number XXXX from my company fax XXXX with my statement. I find this requirement to fax back HIGHLY unusual since the company XXXX filed bankruptcy in this time period and never had the dispute been reversed by Citibank on my statements. Why am I supposed to accept the settlement of {$87.00} posted this XXXX statement as of XX/XX/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 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I lost my job in XXXX of XXXX. I was on XXXX all of XXXX. 
I had major XXXX XXXX on XX/XX/XXXX. 
Went back on XXXX XXXX of XXXX. Currently on XXXX. 
Former employer paid out a settlement in XXXX of XXXX. Termination due to physical inability to work. Injury settlemets are also exempt from a levy. 
On XX/XX/XXXX, Bank of America levied {$32000.00} from primary checking account. B of A was represented by XXXX XXXX XXXX Law firm : XXXX XXXX XXXX, Building XXXX XXXX XXXX XXXX, CA XXXX Phone Office ( XXXX ) XXXX Fax ( XXXX ) XXXX. 
I submitted an exemption claim within the allowable time frame. 
My exemptions were : 1 ) Currently on XXXX 2 ) Funds in bank account primarily generated from XXXX insurance. 
3 ) Injury settlement with former employer 4 ) Financial inability to pay bills, support XXXX young children. 

XXXX XXXX XXXX objected to my exemption claim. They won't return funds to my account at least until matter settled. I am almost at point where injury settlement funds have dried up, will be unable to keep up with bills, support family. 

Bank of America Legal Department refuses to have direct communication. 
I know I have met more than enough of the requirements for exemption status. XXXX XXXX XXXX elected to drag this out in the courts. 

I can't explain the physical and emotional distress this has caused. 

I know I accumulated the debt. Circumstances beyond my control put in financial distress. If I could pay off debt I would. For almost 3 decades I did business with B of A, always paying my card bill. They have the records. 

B of A credit card services increased by credit limit by {$30000.00} without a request from me. They did it when I should not have been extending my debts. I can't believe they can randomly do this. 

I am asking for help at a time my family could use the assistance.

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 2019-07-10 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: Paypal Holdings, Inc
State: MO

Complaint narrative:
I recently received and closely studied a copy of my credit report. To my dismay, it seems as though XXXX/pypl is reporting an alleged Inquiry for date of service XX/XX/2019 that has been unauthorized, not compliant, or without permissible purpose onto my credit report. I then send them a certified letter with return receipt # XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. I understand that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The inquiry showing by this company is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding they have no right to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of truth, accuracy, timeliness, and compliance on any consumers credit profile history much less one that has lodged a compliant checking for and calling for proof of said compliance to current federal and state regulatory reporting statues and laws UNLESS it is irrefutably shown that not only that I have authorized it but that the manner the alleged inquiry was processed and reported was in full agreeance to the acceptable standards of laws related, known or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/19 I applied for the Chase XXXX XXXX credit card while browsing for flights on XXXX. A banner ad displayed an offer of {$250.00} statement credit and XXXX bonus miles after spending {$2000.00} and opening a new account. I was approved immediately and completed the prerequisites for receiving these offers. When my statement came in XXXX, the only offer provided was the bonus miles. I messaged a Chase representative inquiring about the statement credit and was told I was not eligible because they changed the promotion. I view this as deceptive advertising as it is not the consumers fault that they are running outdated banner ads when a promotion has ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I recently received and closely studied a copy of my credit report. To my dismay, it seems as though Navy Federal is reporting an alleged Inquiry for date of service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that has been unauthorized, not compliant, or without permissible purpose onto my credit report. I then send them a certified letter with return receipt # XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. I understand that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The inquiry showing by this company is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding they have no right to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of truth, accuracy, timeliness, and compliance on any consumers credit profile history much less one that has lodged a compliant checking for and calling for proof of said compliance to current federal and state regulatory reporting statues and laws UNLESS it is irrefutably shown that not only that I have authorized it but that the manner the alleged inquiry was processed and reported was in full agreeance to the acceptable standards of laws related, known or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio recovery associates harassing me ( XXXX XXXX on social security XXXX battling XXXX living alone ) for undisclosed debt that is time barred in tx ( very old ) banging on door late at night falsely claiming to be police suing me without notice and threatening to garnish tiny bank account causing me to XXXX of starvation. 
POLICE! U MUST open door! 
XXXX XXXX causes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. Its A XXXX XXXX, often. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: CA

Complaint narrative:
Point of Grievance : Bad faith business, and seeming " bait and switch ''. AmEx XXXX XXXX promo offered XXXX XXXX XXXX points with a {$2000.00} spend within the first 3 months of signing up. This was *not* honored. 

XX/XX/XXXX - I called American Express with interest in signing up for the XXXX XXXX card. I wanted to know whether I'd a. ) be able to receive the bonus and b. ) if, when I sign up I'd be able to receive the card number to make a purchase immediately. I was told a. ) yes and b. ) they can't guarantee whether I would receive a card number immediately as it's system generated. They asked if I'd like to sign-up over the phone and I told them no, that I would do so online. 

I signed up -- there were no pop ups stating I was not eligible for this promo. Immediately after signing up I signed up for a XXXX XXXX number and after, receiving the card number, on XX/XX/XXXX I booked a weekend at the hilton for over {$2000.00}. 

The card was paid off in full after receiving the first statement. I only have three cards with American Express. I don't " game '' the system and all cards are active and used base on the situation. 

It has been numerous phone calls with AmEx with no resolution. If I was ineligible for the promo I should have been told before my credit was pulled and before I spent any money on the card or hotel. Further -- I should be told exactly why I can not receive the promo. The best I've received is that " it is declined ''. 

This is bad business. It's business done in bad faith if AmEx can not be transparent. And it borders on fraud if it's a " baith and switch '' which is very much seems to be.

Company response to consumer: Closed with explanation