vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-06 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I had tried numerous times, to resolve my dispute to no avail. American Express has failed to protect me, as a consumer, who filed a dispute against XXXX XXXX for failing to provide the service or product promised. I received both damaged merchandise and incorrect/incomplete installation of product and American Express failed to protect me as a consumer as outlined extensively in their advertisements. The furnace also does not correctly work in the winter because aside from being damaged, incorrectly installed, the unit was also incorrectly wired I went out of my way to use the AMEX card to ensure I was protected as a consumer and they failed to live up to their responsibility. They did nothing to complete a thorough investigation and I spoke with numerous people and kept refiling the same dispute that kept getting routinely closed without explanation. American Express made it very clear they were more interested in pleasing the merchant ( who they do a lot of business with ) than protecting me as a consumer. I filed a complaint with the Illinois Attorney general who also found that XXXX XXXX failed to respond. The company also stiffed me on replacing panels and fixing problems that American Express let happen. American Express has also made their dispute process incredibly hard and consumers can not see the process or speak to an actual caseworker which puts consumers who have been ripped off at a tremendous disadvantage in reclaiming funds. American Express makes it clear that they care more about merchants than consumers who have been ripped off. 



Amount : {$4600.00} Dispute Reference Number : XXXX Dispute Reference Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I initially made a purchase through XXXX XXXX for Bunk-beds, and I was accidentally charged twice for this. I disputed the second charge, and XXXX XXXX corrected that mistake. However, Capital One whom I have my credit card through, filed the single dispute against both charges. The Correct one and the extra one. As a result, XXXX has now blocked my ability to send or receive money through them. I have brought this mistake to the attention of Capital one, and they are saying that due to Mastercard 's Policy and Federal regulations, they are unable to undo the dispute that they opened by mistake. I have reached out to Mastercard, and reviewed federal regulations and can find nothing that prevents them from removing the dispute at my request. Mastercard as stated emphatically that they have no such policy. If Capital One does not undo their mistake, I will permanently loose access to doing business through XXXX. Despite numerous phone calls, and days spent trying to resolve this, Capital one still refuses to act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi advertises their prestige card as a " premium '' credit card. This is not true. The card is complete trash. Traaaassshhhhhh.

First, it is incredibly difficult to get through their automated system to get to a real human, when other premium credit cards allow you to easily speak to a human. One customer service rep told me to stay silent and it would get me to a representative. All that did was make them repeat the prompts repeatedly, which is infuriating. She also said to say 'representative ', which doesn't work either. This is unacceptable. Even some of my no annual fee cards, like XXXX, allow you to easily connect to someone in the US.

Then, they tried to deny me my bonus points for signing up on some technicality and it took no less than an hour of my time to get them to agree to put the bonus offer on there. And I'm still not sure it's on there because the last agent I spoke with gave me conflicting information.

Then, there is conflicting advertising with some places saying that you get 5x rewards on " travel agencies '' and other places saying its only on " airfare '' but when you call customer service they basically tell you that you can't know if something is a travel agency until you charge, so if you spin the travel roulette wheel and land on the wrong booking site, you could lose the 5x and instead get 1x.

Then, I receive the card and packet and the booklet that comes with it is outdated. They're for the old Citi Prestige card with the wrong information, so I don't actually know all the benefits of my current card. 

The card is cheap looking and feeling, where other similar cards are made of metal. This isn't a huge deal but should have been disclosed in advance. 

It took multiple attempts to get them to add the card to my online banking and ultimately I had to register it myself, providing the same personal information I had just given the agent. In the process I was transferred multiple times, including once to an agent who was hard to understand and I believe hung up on me. Other premium cards I've had, the customer service can assist with online banking. 

The customer service agents did give me points but that doesn't make up for the fact that it has been a horrible customer service experience and users are left not knowing how and where they can use their cards, which we pay approximately {$500.00} a year in an annual fee for, for their 5x points.

I'm a good Citi customer, longstanding relationship, pay my bills, stay under my limits, regularly use my cards. There is no reason I should have to deal with this on a card with a {$500.00} 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 monetary relief
Consumer complaint received 2019-02-06 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: Prosper Marketplace, Inc.
State: PA

Complaint narrative:
On XX/XX/2018 Prosper loan submitted my credit for a loan that was taken out by another person. They addressed all the information and made the loan in this person name and used my social. I have contacted them to fix the error they made and to take it off of 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 2019-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
This debt is not mine and I did not authorize this. I am not very happy this is reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
On XX/XX/18 I closed on a refinance Mortgage with XXXX XXXX NMLS : XXXX  a broker with XXXX XXXX and XXXX XXXX. I was told that I would get back {$8500.00} at closing. They took almost {$6000.00} in fees for the interest rate. I was never consulted regarding this and never informed. I found out only when I received the cash back check several days later. When I asked where the rest of the money was XXXX XXXX   from XXXX XXXX didnt provide me with an explanation, despite my effort to contact him until XX/XX/18 inhibiting my ability to rescind the loan. To add insult to injury, XXXX XXXX  sold my loan to XXXX XXXX shortly after my threats to contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Requested my 3 credit reports through the web page XXXX XXXX XXXX   Online, but EQUIFAX after responding all the correct questions, they denied it to provide my credit report online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: LA

Complaint narrative:
I was living at an apartment complex with my now ex-wife her mother offered her a house and she decided to move I couldnt afford the apartment by myself so I was forced to move with her Unfortunately that lead to breaking of the lease I was a XXXX XXXX XXXX only new job and simply couldnt afford the apartment by myself so of course it went to collections With the balance Of {$3000.00} although it was a joint debt with my wife being Senior signer on the lease the company refuses to let me make monthly payments all the attempts have failed and they want the entire balance I dont have that balance at one time please help

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 2019-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I made a hotel booking through vendor XXXX XXXX on XX/XX/2018 for booking in XXXX. This booking was fully cancelable for refund until XX/XX/2018. On or about XX/XX/XXXX I found out that XXXX was having issues with bookings - so I inquired and decided to cancel my booking. Upon canceling I was told by XXXX   that they couldn't give me a refund at this time. I notified CITIBANK on XX/XX/XXXX that I had a dispute with the vendor XXXX goods and serviced not received. They gave me a provisional chargeback and sent paperwork to be filled out. On XXXX XXXX the provisional chargeback now appeared on my account as a refund from vendor. I called the back as I had just received the paperwork and asked if the credit was a provisional credit or was it an actual refund from the vendor. I was told by a phone agent with CITIBANK that this was a refund from the vendor. I did not have to send in any paperwork. I asked 3 times - are you sure. YES. I also asked my personal banker - and they said it appears I have received a credit directly from XXXX. Early XXXX - my account goes negative and I am told that CITIBANK has denied my dispute and is taking back their provisional credit. I immediately call and explain what I was told. They said I now have to appeal their decision. I appeal and now receive a letter that i have been denied as TOO much time has passed since my XXXX XXXX purchase. If I am correct - according to chargeback rules - you have 120 days to make a claim. My original notification to the bank on XX/XX/XXXX was within the 120 days. It is the internal bank employees that have misinformed me. CITIBANK has records of my call where I was told it was a credit from the VENDOR. This is an {$790.00} charge where I was framed by the vender and then given bad information from my own bank to fight this. And somehow I have no protection? How is this even fair. They should be trying to collect the {$790.00} back from the vendor. Citibank has made thousands of dollars from me from my mortgage, personal banking account and business accounts and this is how they treat a customer.

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 2019-02-06 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: PA

Complaint narrative:
On XX/XX/2018 XXXX loan submitted my credit for a loan that was taken out by another person. They addressed all the information and made the loan in this person name and used my social. I have contacted them to fix the error they made and to take it off of 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 2019-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
Regions Bank fraudulently charged me overdraft fees they also charged me an excessive withdrawal fee and a cash deposit fee ... no one can give me w straight forward answer as to why Im beyond livid

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 2019-02-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is incorrectly indicating there is increase in the balance owed by XXXX XXXX XXXX of {$260.00} which lowered my credit score. This is not correct, the original amount owed was {$16000.00} and the current amount owed is {$16000.00}. I have made no payments 30 days late. And there have been no late fees recorded on my statements. Statements attached for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: CT

Complaint narrative:
I have a credit card with Fidelity ( XXXX ). I have three balance transfers with them. One has an interest rate of 2.99 % with an expiration date of XX/XX/XXXX. The other two have an interest rate of 0 % and an expiration date of XX/XX/XXXX. I noticed on my recent statement that my minimum payment was being applied to the transfer with the lower interest rate. It is my understanding that the Credit Card Act of 2009 required companies to apply payment to the balance with the highest rate. When I contacted Fidelity, they said the law had been changed. What is the current law in regard to payments? What can I do about this unfair situation?

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 2019-02-06 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: BB&T CORPORATION
State: TX

Complaint narrative:
XXXX  is incorrectly indicating there is increase in the balance owed by Regional Acceptance Corporation of {$260.00} which lowered my credit score. This is not correct, the original amount owed was {$16000.00} and the current amount owed is {$16000.00}. I have made no payments 30 days late. And there have been no late fees recorded on my statements. Statements attached for review.

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 2019-02-06 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Chase Card is reporting an inquiry on my credit report. I did not approve of this. I am not very happy. 

An inquiry should only happen for the following reasons : 1.Insurance ( they are not an insurance company ) 2. Court Order ( we are not nor have we been involved in court proceedings ) 3. Employment ( I have never applied for employment ) 4. Firm offer of Credit ( they have never given me a firm offer of credit )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When first speaking with a loan officer we explained that we were looking to consolidate our 1st and 2nd mortgage. He assured us this would not be a problem as long as the appraisal came in at the necessary value. While we have very good credit, we were made aware of a fraudulent card opened in my name at a department store with an outstanding balance and late pays. After further discussion and noting that this was not ours we were again assured that there would be no problems and on XX/XX/XXXX we received our Rate Lock Guarantee noting a Fixed 30 year term at 4.5 % with a rate buy down of .125 %. Everything was in order so we asked them to continue with the process. On XX/XX/XXXX however, we received yet another Rate Lock Guarantee disclosure stating that the rate is now 4.75 % but did not disclose any reason as to why it was increased. When speaking with our loan officers manager, XXXX XXXX, he only said that these things happen sometimes even though there were no material changes since the date of the first Rate Lock. I am also providing an estimate provided to us back in XXXX of 2018 that notes we asked to consolidate a Heloc much before the negotiated Rate Lock of 4.5 % was provided and even noted by the loan officer. We ask that Wells Fargo honor the terms they set forth in the same way they would expect a borrower to honor the terms of repayment. 

Lastly, my wife is an employee of Wells Fargo and works in a local branch. When the decision was made that they would not honor the locked rate the loan officers ' manager, XXXX XXXX, took it upon himself to contact her direct manager and gave certain details about our loan and that it would be  declined if we did not accept the rate. My wife 's manager had no reason or right to be given this information and was at no point included in the mortgage process. My understanding is that this violates the Graham-Leach-Bailey act under privacy guidelines. I must insist that no further information relating to this transaction be shared with anyone not directly involved with the matter as the previous contact felt like an intimidation tactic.

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 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Experian has blocked me from getting my credit report online unless i pay a fee and has removed my credit block and credit freeze from my file unless i pay them a fee which has resulted in previous fraud accounts disputed with Experian which they refuse to remove the fraud accounts from credit first {$250.00} and XXXX/XXXX XXXX  {$500.00} and XXXX {$5000.00} and XXXX XXXX XXXX {$5000.00} and XXXX {$570.00} and XXXX/XXXX and XXXX XXXX  {$330.00} these all resulted in fraud account due to Experian data breach and i have disputed many times every year for the last few years and Experian has neglected to remove these fraud accounts and not put a credit freeze on my File as i requested numerous times.

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 2019-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I had contact with the collection agency Portfolio Recovery on today, XX/XX/19 regarding a letter indicating they purchased a debt that belongs to me. According to the letter and the comments made by their Operations Manager XXXX, the debt was purchased on or about XX/XX/19. I initially discussed a settlement offer with an agent and also inquired about credit reporting. I simply asked since the debt is not currently credit reported by Portfolio will my payment arrangement for the settlement offer prevent credit reporting. The agent was unable to answer my question so she put her manager, XXXX on thee phone. When XXXX came on, he appeared to be combative and argumentative. When I asked him the same question about credit reporting he stated their company has already sent notification to the credit bureaus upon the purchase of the debt. I asked how could this have been done when I have 30 days to dispute or acknowledge the debt prior to credit reporting and that today, XX/XX/19 was my first and only contact with them. He stated because I owe a debt that they purchase and they have a right to do so. I informed him if notification of the debt has been sent to the credit reporting agencies within the validation period, they have violated FDCPA and FCRA

Company response to consumer: Closed with explanation