vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-02 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: CITIBANK, N.A.
State: ME

Complaint narrative:
Citibank previously announced that it is terminating its co-branded credit card relationship with XXXX XXXX at years end. As a current cardholder of a Citibank XXXX XXXX XXXX XXXX XXXX card, Citi notified me via email on XX/XX/XXXX that my account is being transferred to XXXX XXXX on XX/XX/XXXX. Citibank via telephone that they have sold my account to XXXX XXXX and that " this was a business decision. '' Citi has sold my account information without authorization. Citi has charged an annual fee ( appox 6 months ago ) and has not, as of yet offered a pro rata refund of the annual fee.

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 2017-11-02 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I received an email from Synchrony that my " XXXX XXXX XXXX '' card was good at other retailers that used XXXX XXXX. The email offered a link to follow to find other valid retailers. XXXX XXXX was listed as one of these. When I arrived at XXXX XXXX they verified that they did use XXXX XXXX so we thought it was fine to used my credit. I had a {$1000.00} credit. 
I bought new tires and had them installed. When I went to pay it would not accept my card. We called Synchrony and they said the card was n't any good there, I needed to have a XXXX XXXX  credit. I explained that the email that they sent me listed XXXX XXXX. Synchrony would not accept my valid credit. I asked to close the current account and reopen in XXXX XXXX. They closed my account and then refused/denied to open a new one. So not only did I have to endure humiliation of my credit not going through, but I lost my line of credit completely. 
The email was very clear, and XXXX XXXX was listed as a valid vendor. 
I could have lost my car ( because XXXX XXXX would have held it until it was paid ), my job ( for lack of transportation ), and everything I have- all because of false advertising. And this is a very clear case of false advertisement.

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 2017-11-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have filed a previous complaint regarding this. 

On XX/XX/XXXX BOA took my automatic payment out of my account twice. 

for {$2700.00} they only credited the account once. 

I have called them on numerous occasions to have this resolved with not action taken on their part. So they have owed me {$2700.00} for a month now. 

If this had been the other way around, I would be incurring late payment charges and high interest rates. 

After I filed a complaint with your organization I finally did get some action from BOA. 

They credited my account for {$1200.00} and started to reflect the 2nd payment they had taken on my account. However, they did not refund the entire amount that they mistakenly withdrew on XX/XX/XXXX. They took an extra {$2700.00}, they finally refunded ( after I filed a complaint with your organization, thank you very much ) {$1200.00}. They still owe me {$1500.00}. 

I did not stop payment on my " auto pay '' this month for XX/XX/XXXX. I was afraid if I did they would charge me late payment fees and interest.. 

So now they have taken {$2600.00} out of my bank account for the XX/XX/XXXX payment. 

Which would be OK, except they neither credited me or returned the {$1500.00} they have owed me for over a month now. 

I am in XXXX, so this has been really difficult for me to handle. I have already spent over {$100.00} on international phone calls trying to resolve this with BOA to no avail The only satisfaction I have gotten is from contacting your organization. 

Could you please help me get back the remaining money they owe me? {$1500.00}. 

Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian refuse to reinvestigate my disputed accounts

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 2017-11-02 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: OH

Complaint narrative:
THIS IS I REGARDS TO PREVIOUS COMPLAINT # XXXX CFPB CLOSED THE COMPLAINT BUT WHY? IT IS NOT COMPLETE. STILL HAVE YET TO HEAR FROM TRANSUNION ABOUT THOSE 3 STUDENT LOAN ACCOUNTS. XXXX AND XXXX REMOVED ALL 3 ACCOUNTS YET THEIR STATUS ON HERE IS STILL SAYING " OPEN '' AND THEY BOTH SENT ME AN UPDATED COPY OF MY REPORT SHOWING THEY WERE ALL REMOVED BUT TRANSUNION HAVE YET TO SEND ME ANYTHING. THEY NEED TO GET THIS DONE I HAVE DISPUTED THIS 3 TIMES SINCE XX/XX/XXXX. XX/XX/XXXX WAS THE 2ND DISPUTE. NOW TRANSUNION IS SAYING XXXX XXXX HAS UNTIL XX/XX/XXXX LIKE CMON THIS HAS TAKEN WELL OVER 60 DAYS. THE ALLOTTED TIME. THIS COMPLAINT SHOULD STILL BE OPEN OR THE ACCOUNTS NEED REMOVED. I SENT THIS COMPLAINT IN XX/XX/XXXX THEY TRIED TO SAY THEY DIDNT UNDERSTAND IT. SO I DID IT AGAIN XX/XX/XXXX ON CFPB RECORD XXXX. YET YOU HAVE IT CLOSED BUT WHY??????

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 2017-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX from the Office of the Chairman ever so kindly provided all of the information that shows the bank 's guilt to comply with the /fair /Credit Reporting Act ( FCRA ) which ( as XXXX XXXX so graciously supplied me ), " ... requires the bank furnish information which is considered true and accurate. '' As is reflected on bank statements for the only bank I ever received statement for ending in XXXX, the money for HELOC is taken out every month plus my several transfers in excess of hundreds of dollars but the bank not only closed my account ILLEGALLY bur on XX/XX/XXXX, I got another letter that my HELOC ( I did not know even the number due to no compliance with the laws governing banks ) that now citizens bank closed my HELOC which I infer is to spitefully and maliciously attempt to steal my house that I was never even a day late since I bought XXXX on XX/XX/XXXX except in XX/XX/XXXX when I withdrew all of my money from said bank due to some type of identity theft or an inside thief but spitefully did not protect my money when I learned that all the bank had to do was CONTACT ME to change account numbers. The reporting of late payments has caused my car insurance to be high and hundreds of dollars ( for over a year ) in outrageous interest rates all due to lies! I could be spiteful like whoever is maliciously going against every commonwealth law and jurisdiction overseeing banks when they shut down mu account and stole the money I left in the checking to keep it open for my deposit which I got despite the illegal closure of same.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
At XXXX XXXX on XX/XX/XXXX, I received notification indicating that my Citi XXXX XXXX XXXX XXXX account was being transferred to American Express. I called at XXXX XXXX on XX/XX/XXXX to request to be opt out of the transfer. I was informed that was not an option. While I was aware that the card would be terminated at the end of the year, there was no indication before XX/XX/XXXX of the transfer. I do not wish to have my account information shared with American Express and feel it is a violation of my privacy.

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 2017-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Hello, I initiated a wire transfer from my U.S. based bank last Thursday ( XX/XX/XXXX ) and received confirmation that it was successful on Friday, XX/XX/XXXX. 

The reason I initiated the wire transfer is because I thought it would Be faster according to the coinbase website. However it 's taken just as long as an ACH transfer Would have taken ( although funds are still not in my account ). 

When I called about this initially on Monday I thought I had given plenty of time, and the institution rep also agreed. She stated that she saw the funds but would need someone in processing to " manually '' place in my account. I asked for a transfer number and she stated that once I reported the ticket, I could not call in to speak with anyone, and that my only recourse is to contact them via email. 

That 's fine, however they do n't respond back to emails for several days at a time. Unfortunately, this has cost me more money then I transferred due to the changes in Bitcoin prices. The company is called coinbase and they are under federal regulations, but this financial institution has processes in place to directly prevent customers/clients from being able to speak to someone. 

While they have my money they are collecting interest on funds that should be in my possession. 

Unfortunately, I learned of this companies inability to cope with their current customer demand too late and have now suffered a fate of uncertain action. Maybe I 'll get my money? Maybe I wo n't? But this company would rather not deal with customer complaints. 

This was a u.s. to u.s. wire transfer with a successful confirmation number. Is it legal for a company to hold your wired funds for a long period of time that they determine? Is it legal to put processes in place that prevent contact by customers/clients? 

There are thousands of complaints against this company for holding customer funds for no reason. 

Please investigate this firm!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I received a statement with a total balance due of {$3000.00}. This entire balance was on a 0 % interest promotional rate that was due to expire on XX/XX/XXXX. I paid the entire {$3000.00} balance due from the statement off on XX/XX/XXXX, but was charged interest on my XX/XX/XXXX statement. When I called customer service to dispute the interest charge, I was informed that I was charged interest on new purchases that had not been billed on a statement yet. I was told that if there are no promotional rates on the card then interest is not charged on new purchases until after they are billed on a statement, but when there is a promotional rate that new purchases are charged interest before they are ever billed on a statement. Being charged interest on new purchases that have never been billed is like being charged a no-show fee for a doctor 's appointment scheduled for next week.

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 2017-11-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
On or about XX/XX/2017 I called Navient to request the Certificate of Title of all of my loans. I was transferred about 5 times to different reps who claimed they had never heard of that document and that it did not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ZWICKER & ASSOCIATES
State: IN

Complaint narrative:
PLEASE BE INFORMED THAT I FILE BANKRUPTCY ON XXXX XXXX, 2017, CASE NO.XXXX.SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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:
cra violation sent police report and all inaccurate information XXXX pd number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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:
cra violation sent police report and all inaccurate information XXXX pd number 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 2017-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
cra violation sent police report and all inaccurate information XXXX pd number 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 2017-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Kashia Services
State: OH

Complaint narrative:
I was contacted by an employee who works in payroll for my company. She asked if I authorized XXXX from XXXX XXXX to garnish my wages. I responded that I certainly did not authorize this and that XXXX XXXX definitely did not have a court order authorizing wage garnishment. I asked for a copy of the paperwork and she forwarded it to me. I 've attached a copy of the " Wage Assignment Demand Notice. '' I 've placed " XXXX '' in place of my name and personal information along with the name and address of the company I work for. I can provide a copy of the unedited wage garnishment if requested along with the email from the Human Resources professional in my company who originally received this notice. Thankfully, my payroll department did not process this notice but I 'm concerned that other companies with less experienced payroll processing may have fallen for this illegal tactic. 

I am still considering my legal options here as this appears to be a very clear violation of the Fair Debt Collections Practices Act. I suspect this is a common tactic with this creditor as a quick XXXX search reveals many other people who have fallen victim to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation
State: OH

Complaint narrative:
I received a notification from the Credit Bureaus that the Company Deville Asset Management has flagged my accounts for collection. I never received any letters with any chance to verify this. I disputed this company earlier this year for failing to provide my signature proving that I owe them anything. They also removed this from my report. I received a notice on XXXX XXXX, 2017 which I will attach. They have violated the FCRA on reinsertion, and have also failed to provide me with any proof that I have business with their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: Ditech Financial LLC
State: IN

Complaint narrative:
DITECH IS FAILING TO REPORT TO CREDIT REPORTS FAIRLY AND OUTSIDE THE GUIDELINES. THE STATUS SHOULD BE REPORTING JUST LIKE XXXX SEE ATTCHED REPORTS. 

PAID IN FULL, CLOSED AND TRANSFERRED LASTLY DITECH AND ALL TRADELINE ARE FAILING TO REPORT TO XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: IN

Complaint narrative:
XXXX IS FAILING TO REPORT TO CREDIT REPORTS FAIRLY AND OUTSIDE THE GUIDELINES. THE STATUS SHOULD BE REPORTING JUST LIKE XXXX SEE ATTCHED REPORTS. 

PAID IN FULL, CLOSED AND TRANSFERRED LASTLY XXXX AND ALL TRADELINE ARE FAILING TO REPORT TO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX IS FAILING TO REPORT TO CREDIT REPORTS FAIRLY AND OUTSIDE THE GUIDELINES. THE STATUS SHOULD BE REPORTING JUST LIKE XXXX SEE ATTCHED REPORTS. 

PAID IN FULL, CLOSED AND TRANSFERRED LASTLY XXXX AND ALL TRADELINE ARE FAILING TO REPORT TO XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX I had sent a direct ACH from another account that had bounced back without my knowledge being that I was out of town. A fee was triggered due to a gas post. Afterwards I had transferred {$300.00} into this business account and in the midst of my transfer being credited and another debit I was assessed another fee of {$35.00}. Then on XXXX, I was assessed an account maintenance fee. {$100.00} in fees within three business days, two of which were caused by bank glitches. 

On XXXX I checked my account balances and noticed an overdraft of {$65.00}. Upon checking my account balance, I had an account maintenance fee of {$29.00} which is supposed to be waived and a {$35.00} overdraft fee for a XXXX overdraft on a mistaken charge by XXXX. 

I have a Bank of America Business Advantage account which allows for a free account when you have Merchant Services with that account. It is expressly stated in the disclosures. I actively pay for it monthly. 

When the representative looked up my account they attempted to redefine terms regarding what an active Bank of America Merchant Account is ( A supervisor by the name of XXXX who refused to add any additional information besides her name and that she worked out of the XXXX Office ) She asked me to look at my account disclosure agreement which determines whether or not I am charged a fee and I did. XXXX said that I have to have an active Merchant Account with B of A Merchant Services, which I do, that I pay for. Which I said I do. 

She said, that it is only active if I batch within a 60 day period. None of the agreements state that, as well as I have batched several months this year and have been charged fees regardless. 

When I confronted her about this, and the abusive nature of trying to change terms that are not in writing nor agreed upon, not to mention being insulted and being told the only a first name XXXX, in XXXX with no other identifying information. I was extremely insulted. 

In the past 5 business days Bank of America has charged me {$160.00} in total bank charges based on bank glitches, maneuvering around agreed upon contracts and changing the terms with no proof or disclosure. 

I am concerned that I have been targeted by the bank for systematic fee abuse.

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 2017-11-02 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: MD

Complaint narrative:
On XX/XX/XXXX I submitted correspondence by certified mail to XXXX XXXX because of suspected fraudulent activity by the bank. I have delivery confirmation from USPS that XXXX XXXX received the letter. They have refused to address my concerns by remaining silent and have continued to seek payment. I have revoked my signature on the application as a result of un-rebuttal about the matter concerning the fraud. Attached you will find an unsigned copy of the letter I submitted to XXXX XXXX on XX/XX/XXXX. Additionally I have submitted a sworn under oath, affidavit on XX/XX/XXXX, with delivery confirmation and PROOF outlining the fraud and revocation of my signature from the original application as the law permits under fraudulent acts. XXXX XXXX has continued to remain silent about addressing the bank fraud. As a result this account is null and void. Further credit reporting is in violation of the Fair Credit Reporting Act and all parties responsible being XXXX XXXX and XXXX, XXXX, Transunion, and XXXX will risk a lawsuit with the state and federal courts for damages of this illegal activity.

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