vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I opened a citi bank priority account because of the sign up bonus at my local branch. The banker assisted us and verbally told us that u deposit XXXX in the account within 90 days and maintain at least XXXX for the next 3 months you will get XXXX bonus. The banker even watched us deposit the first huge chunk of cash to this new opened account. 6 months after I contacted Citibank regarding to this bonus. First agent told us it will hit in my account within 2 days, and yet nothing after waiting. Tried to contact them again and then the agent told us cash deposits dont count. Well the banker is your employee. If cash deposits dont count why would he watch us deposit the money. And also, why he didnt explain or at least point out this method doesnt count. 
My money was stuck in this for 6 months for nothing while Citibank can use my money to generate more interests and profits? 
This is totally a scam. I even did research to see if this only happened to me but I saw many people got the same issues too until they have to go through this step. 
This is annoying why did I even bother to open this account and put my money in and not able to use them for 6 months without getting the bonus. 
I get it if I didnt read the term if I did thing promotion online. But we were at the branch and trusted your employee!

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 2021-12-16 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: MD

Complaint narrative:
I have been trying to fix my own credit I have contacted each bureau multiple times XXXX XXXX transuion and I have sent my own dispute letters and I have never received a letter back as to why this was on my report its been longer then thirty days I just dont understand I was told that if its been longer then thirty days the item has to be removed it has not been verified

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 2021-12-16 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: MD

Complaint narrative:
I have been trying to fix my own credit I have contacted each bureau multiple times XXXX equifax XXXX and I have sent my own dispute letters and I have never received a letter back as to why this was on my report its been longer then thirty days I just dont understand I was told that if its been longer then thirty days the item has to be removed it has not been verified

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello CFPB, I recently reviewed my credit profile and saw that an account was unlawfully added to my credit profile without notification. I am attaching this dispute to XXXX, Experian, and XXXX so that these account ( s ) can be removed immediately. They have impacted me and my ability to proceed with expanding my business and achieving my personal goals in life. 

I ask that these accounts be blocked and/or deleted from my consumer profile immediately.

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 2021-12-16 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: DISCOVER BANK
State: CA

Complaint narrative:
On the XXXX of XXXX I was double charged for Medical Services averaging in over {$400.00}. 
When I set up an online account to pay by ACH checking account, it was obvious that a XXXX Party was online with me, as XXXX Medical Charges under Peepers.com ... .using the term : Non specific Medical Charges appearing XXXX as though I had an Eye Exam, and fitting for non Rx reading glasses. 
The first Medical Charge was grabbed and switched to a merchandise purchase. Then there is a XXXX charge. 
I was a TENANT INSIDE A REHAB HOSPITAL AND MY INSURANCE PAYS 100 % AND THEREFORE THERE IS NO NEED FOR MEDICAL SERVICE CHARGES. 
THE FRAUD DEPARTMENT IS VERY LAXED AND JUMPED AT THE CHANCE TO BLAME THE CUSTOMER ... SHOWING A LACK OF INTEGRITY AND PROFESSIONALISM. USUALLY AN APOLOGY IS MADE AND AN INVESTIGATION IS LAUNCHED FOR XXXX TO XXXX HOURS. 
THERE ARE SO MANY COMPLAINTS AGAINST DISCOVER THAT MAKE THEM LOOK VERY SHADY, I DOT THINK I WOULD EVER EVER TRUST THEM AGAIN. 
I LAUNCHED A COMPLAINT WITH THE FTC FOR DECEPTIVE TRADE, AND FALSE ADVERTISING FOR PROMO CASH DEALS UP FRONT. I COULD NOT GET MY ACH TO GO THRU THE FIRST TIME AND THE XXXX TIME, THEY CAN'T SEE WHETHER MY ONLINE PAYMENT WENT THRU, OR WHETHER THE XXXX XXXX EXTRACTED MY BANK ACCOUNT NUMBERS AND SAILED AWAY WITHY LEFTOVER CASH. 
VERY POOR SERVICE... OUT FOR THEMSELVES, AND REALLY ARE JUST AS CLUELESS AS AFFIRM ONLINE SHOPPING INSTALLMENT LOANS. YIKES! WHAT A NIGHTMARE ... CONSUMER IT UTILITY TRAPS IN SETTING UP LOANS WITH AFFIRM, TOO!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: DISCOVER BANK
State: MA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NV

Complaint narrative:
This company is asking for a debt that I had no legal binding contract with them regarding. I entered into an agreement with XXXX and have no knowledge of who this company is or why they've been sold my debt. Please see below for steps I am willing to take to correct this action ASAP. 


I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Verification of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commercial Codes, Federal Fair Credit Reporting Act, and Nevada State Statues for Lawful Purposes.3.A copy of the contract signed by both parties and therefore binding both parties.4.Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold.5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account.6. I demand you define what $ is in law, and cite any law defining the $ symbol and what form or specie of payment under 15 USC 78m ( q ) ( 1 )? 
I hereby give you 7 days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Your said failure to provide the aforementioned documentation within 7 days, from the above date, to validate the debt, will constitute your agreement to the following terms : That the debt did not exist in the first place ; ORIt has already been paid in full ; AND That any damages suffer, you will be held culpable ; That any negative remarks made to a credit reference agency will be removed ; You will no longer pursue this matter any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have been sending tonnes emails contains below details but has been ignored & not resolved! 

XX/XX/2021 i have transferred my XXXX voyager token  from my Coinbase wallet to my Coinbase exchange account. But this time my token not transferred it has gone missing. I have reported to coinbase exchange. As return respond it was generic email that i was upset with most trusted platform with that response. Claiming token wasnt supported ( i have evidence that it was ) otherwise how could i be able to copy paste receiving token details & and do the process.it does not make sense. I have all the copy & evidence it was. Coinbase try to claim voyager token was supported by Coinbase pro but it wasnt otherwise I would transfer to pro instead i have pro account too. It was available to receive from Coinbase exchange. I know was not available to purchase but it was available to receive which where i was copy paste the address. Also Coinbase wallet ( where i kept my voyager token initially ) sent me email to confirm it has successfully transferred or sent. 

I look forward to receiving my token either back to my Coinbase wallet or Coinbase exchange. As a US citizen I believe American most trusted crypto platform will take this matter seriously & take action to fix my issue as regular customer Input : in last 2 weeks i have transferred successfully my other XXXX crypto tokens from Coinbase wallet to coinbase exchange account which was XXXX token & XXXX tokens. Reason i am saying this because im not new to system which is i do this type transactions regularly & successfully until this situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Hello, Someone has opened a credit card using my identiy ; name, phone, mailing addres, SSN with Best Buy. There was a balance reported to my XXXX XXXX account of {$3600.00} on XX/XX/2021. I spoke with Best Buy and let them know that this was a fraudlent activity and that I did not open this account. I also received this the letter in the mail with the physical credit card asking me to activate the account on this exact date. I was told that the transactions was made in Massachusetts which is strange because I live in Georgia and never in my lifetime have I ever visted Massachusetts. I don't know if this would support my case of if it's relevant but I don't even shop at Best Buy nor will I ever because I've always had an opinion that their prices are so high when it comes to home appliances or electronics. 

There was another incident where either the same person or some one else used my identity to open an account with XXXX XXXXXXXX. The balance was {$1500.00} and this was reported on XX/XX/2021. I reported this to the credit card bureaus as a fradulent activity as well but haven't heard any updates. 

As a result, these activities have hurt my credit card score immensely and it hasn't been resolved yet. My credit card score was XXXX and has been knocked down to XXXX in a span of a 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 explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Citi Bank Cash Bonus issue for Opening Account This complaint is for the Citi Bank bonus offer for new checking account. Citi Bank claimed to offer XXXX XXXX  and XXXX bonus based on the deposit amount for the new account opening but has discriminatory terms for online account for which only give 20 days to fund the account but 30 days for customers open account in person.

My husband and I both opened Citi Priority account online and I called account opening team to make sure our accounts are in good standing and someone can be our banker/contact point, the number I called was XXXX, the account opening team ( option 1 ) confirmed with me {$700.00} bonus for deposit XXXX or more, and it was 30 days ( rather than 20 days ) to fund the account, as long as XXXX were all in before XX/XX/XXXX we would receive {$700.00} each. When the bonus is {$400.00} short I was so confused but informed by customer service team that Citi actually use 20 days to determine the deposit amount, and my fund was not XXXX yet on the 21st day, that's why the bonus is {$400.00} short. Because Citi discriminate online customers and use shorter period than branch customers, and people who answer phone calls didn't know this information, the mis-informed person told me the wrong date which costed me lost {$400.00} bonus and my husband lost total of {$700.00}. Both of us deposited over 100k into Citi for over 4 months and Citi didn't even apologize for the wrong information given but blamed us for not reading the terms and conditions. 

I tried to call several times, each time is more than 30 minutes wait, and customer service team hang up a few times without answer.

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 2021-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
The COVID-19 forbearance will end on XX/XX/2022. However, Navient is stating that I am currently past due on my student loans and that I need to make a payment in the amount of {$2600.00} immediately. I have already sent them my Income-Driven Repayment Plan to them, and they are still harassing me for a payment. Why are the telling me to make a payment when my student loan is under the COVID-19 forbearance moratorium?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
I received an email from Alliant Credit Union ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) on XX/XX/XXXX stating that I was 'pre-approved ' for an auto loan to refinance my car. I filled out an application and was advised by someone in their auto loans department that I was approved for a loan up to {$10000.00}. I applied for {$11000.00}, but could pay it down to XXXX with no problem. On XX/XX/XXXX, I asked them how long the loan offer would be good for, I was told it was good until XX/XX/XXXX. I received a message later that same day saying the loan was declined. 

I called and spoke with a supervisor by the name of XXXX who stated that they need two years of tax documents in order to approve the loan and since I started my current job in XXXX of XXXX, I wouldn't have two years of tax information, just XXXX year and 9 months ( something they already knew from my application before telling me that I was approved for up to {$10000.00} ). I was doing different work before my current job and could have provided those tax documents in addition to my current tax documents. 

They initiated first contact through email to tell me that I was pre-approved, I have a good credit score, I only have onXXXX loan and that's the loan I was refinancing through Alliant, I've had this loan for over 2 years and haven't missed a single payment. I meet the income requirements to justify said loan, and it seemed as though they were trying to find any possible loophole to deny my application. 

I'm requesting that you guys thoroughly investigate Alliant Credit Union to see if they have a history of making it more difficult for non-Caucasian people to get loans and if they routinely deny applications from XXXX numerical minorities while approving loans for Europeans Americans who have similar credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
The company listed as Fair Collections and Out ( FCO ), showing a balance of XXXX which is an incorrect balance. It was sold to them by the original creditor and has been updated. to paid {$0.00} balance. I never consented to having my personal information sold a collection. Until recently the account was listed as a open charge off. This also appears on all three credit reports. These are all derogatory entries and they should be removed immediately. The actual balance originally owed was reported incorrectly to XXXX by XXXX XXXX. Per the Fair credit Reporting Act because of this the this item should be completely removed even thought the amount is now been update to a {$0.00} balance. Have it being reported at a higher amount has damaged my credit due to this simple mistake im requesting that it be removed immediately from all 3 credit reporting agency 's I've reached out to all three credit reporting agencys several times with documentation of the actual balances and nothing has been done about this in the legally require time to correct this the company 's own statement of account shows the correct balance amount. This is not " fair credit reporting '' by increasing the amount and should be deleted

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 2021-12-16 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: VA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
Its been going on for a couple months now. When Midland credit calls, I'll Ignore the call and then the will right back. I'll ignore the call and they will call back and this will go on for about XXXX calls. It happens about twice a day. Every day. On XX/XX/XXXX I got fed up with the repeating calls. ( it affects me at my Job ). I answered the phone and told the operator to stop calling me they are harassing me. The calls stop for a bit. Today XX/XX/XXXX The calls started again. So I would like to make a formal complaint of Harassment. I understand I am in debt and will pay it back as soon as I am able to, but these calls are getting me in trouble with the job I need to pay them back. I can provide screenshots of all the repeated calls if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Please remove these items off my report I have disputed these items a couple of times it has been on my credit quite a while please look into this matter it has not been verifying

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 2021-12-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
This account has been on my credit report for a couple of years, every month they change the total amount from {$1000.00} to {$1000.00}. I have disputed the acount and demanded verification from the bureaus and from the company themselves. The account always comes back verified but somehow they keep changing the amount owed constantly. This affects my credit rating every time they update it and also affects the date of activity resetting the clock for the 7 year deletion mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: CA

Complaint narrative:
XXXX XXXX Department : Remove fraudulent accounts from my credit report.

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 2021-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
Fraudulent and predatory lending practices of Cornerstone Mortgage Company. My mortgage is a non-escrow account however Cornerstone incorrectly showed that I did not pay property taxes. I submitted all documents proving that I paid all taxes on time and no money was owed and therefore escrow should be removed. Instead of removing escrow for XXXX since all taxes and insurances were already prepaid Cornerstone chose to keep escrow by prepaying XXXX taxes and sending me again into deficit. I have already forecasted to pay XXXX taxes and therefore Cornerstone is forcing me to double pay! My mortgage went from XXXX to XXXX without notice or explanation. The estimate for the new mortgage includes tax amounts that have already been paid! This is completely fraudulent and predatory as it forces the consumer into escrow which includes the fees and cushion when it is unwarranted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation