vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-11 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: DISCOVER BANK
State: CT

Complaint narrative:
Timeline XX/XX/2018 ( approximately ) On my mobile phone I receive an alert from Discover Card that a balance transfer offer is available to me. I click on a link that opens the Discover Card application on my ( XXXX  ) phone where I see at a glance that a balance transfer offer is available to me on the following terms : 0 % interest for 9 months 3 % transfer fee In reliance on this offer I decide to pay off my Discover Card balance so that I can use the offer to the maximum extent up to my Discover Card credit limit. Using my bank 's mobile banking application I schedule a payment that will cover the balance on my Discover Card. 

XX/XX/2018 ( approximately ) Seeking to initiate a balance transfer I log into the Discover Card application on my mobile phone but I am unable to do so because at this time no offers are available. Apparently the original offer has been revoked, which is surprising to me because in my experience balance transfer offers are generally available for at least 30 days. There is no " alert '' history in the Discover Card app and no indication that the balance transfer had ever been made. 

XX/XX/2018 XXXX XXXX  EST I call the customer service phone number that is printed on the back of my Discover Card and I speak with an agent named XXXX. He says that there is no record of the recent balance transfer offer. XXXX transfers me to a manager who again tells me that she sees no record of any recent balance transfer offers. She says that on occasion Discover will make balance transfer offers that are only available for " one day '' or a " limited time '' but according to the manager, these short term offers are always visible in a customer 's account history. Apparently I am the first person this manager has ever known who received a balance transfer offer that was not logged into account history. I explain to the manager that I am angry because it seems Discover Card induced me to pay off my balance with the offer and once I did, they revoked the offer. The manager offers to log my complaint internally but is unable to offer any other resolution and is not able to provide a confirmation number that will be associated with my complaint. 

For consumers such as myself it is always a challenge to manage cash flow and available credit in a rational way. Discover Card 's apparent practice of offering a balance transfer and then revoking it without a trace is a type of deception that might subject them to civil and/or criminal liability as it has the effect of depriving their customers of the ability to manage their finances rationally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11 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: KS

Complaint narrative:
Evidently I have a freeze on my credit that I didn't initiate. I've tried to contact Experian to resolve it, but couldn't get anyone on the phone. There was only endless automation. I just want the freeze lifted and eliminated.

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 2018-12-11 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: CA

Complaint narrative:
I opened my citi bank account with a bonus of getting {$400.00}, after I deposit XXXX into my account in 30 days after opening, and keep the money for 60 days. I opened the account on XX/XX/XXXX, put {$15000.00} on XX/XX/XXXX, kept {$15000.00} for 60 days. The terms said I should receive the bonus 90 days after I keep the money for 60 days. So I should have gotten the bonus by XX/XX/26. However, I still have not gotten the bonus. 

When I call Citi, they tell me to keep waiting. Even though the bonus was due on XX/XX/26. I would like to get my {$400.00} bonus ASAP since its already overdue.

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 2018-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Bank started and Escrow account for me in XX/XX/XXXX, for home owners insurance {$1300.00} and Property Taxes for {$5000.00} totaling {$6400.00}. 

My mortgage payments were {$520.00} per month, my Bank is charging me {$1000.00} per month I have being paying every month and only missed 1 payment however to correct that problem I made 2 payments in one month.. 


I also told my Bank in XX/XX/XXXX that I wanted to reduce my payments to my original amount of {$520.00} and if they would please give me the amount that I can pay now so I can go back to my normal payment. 

I being asking several times and even faxed my request to the fax number they have for assistance on mortgage, they have not responded to me at all, I being asking every month the last 3 months on the phone when making my payments. 

Is like they don't want me to stop making those big payments, as far as I am concern that most be illegal from an institution like a XXXX XXXX. 

I would appreciate any help or advise from your group. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
AMERICAN EXPRESS APPARENTLY ENGAGES IN BAIT AND SWITCH PRACTICES WHEN ISSUING CREDIT CARDS. I APPLIED FOR AN AMERICAN EXPRESS PLATINUM CARD AND RECEIVED AN EMAIL NOTICE THAT A DELTA SKY MILES CARD WAS BEING SENT TO ME. I CALLED AND SAID I DID NOT WANT A DELTA SKY MILES CARD AND INSTRUCTED THEM TO TAKE ME OUT OF THEIR SYSTEM AND TO NOT ISSUE A SKY MILES CARD. THEY INSISTED THEY COULD NOT TAKE ME OUT OF THEIR SYSTEM. I FIRST SPOKE TO SOMEONE NAMED XXXX I THINK. SHE TOLD ME I WOULD HAVE TO WAIT UNTIL THE CARD WAS ISSUED AND THEN CALL TOMORROW TO CANCEL IT. I TOLD HER THAT WAS NOT ACCEPTABLE, THAT I SHOULD NOT HAVE TO CANCEL A CARD THAT I NEVER APPLIED FOR, THAT IT WAS ILLEGAL FOR A COMPANY TO ISSUE A CARD THAT WASNT APPLIED FOR. I SAID I WANTED TO SPEAK TO A SUPERVISOR. SHE SAID I COULD NOT BUT FINALLY SENT ME TO SOMEONE NAMED XXXX, WHO SAID HE WAS AN ACCOUNT SUPERVISOR, ID # XXXX. HE REPEATED THE SAME STORY AND I TOLD HIM I WANTED TO SPEAK TO THE LEGAL DEPARTMENT. HE SAID WE DO NOT HAVE A LEGAL DEPARTMENT. I SAID I DID NOT BELIEVE THAT. HE SENT ME TO ACCOUNT MANAGER XXXX, ID # XXXX, WHO SAID SHE COULD NOT CONNECT ME TO THE LEGAL DEPARTMENT. I THEN SAID I WANTED TO SPEAK TO THE FRAUD DEPARTMENT AND SHE SENT ME TO A MAN NAMED XXXX, WHO REFUSED TO GIVE ME A FULL NAME AND WHO SAID HE DID NOT HAVE AN ID #. HE SAID I SHOULD TALK TO THE NEW ACCOUNTS FRAUD DEPARTMENT. I ASKED HIM TO TRANSFER ME AND HE SENT MY CALL TO THE MAIN NUMBER WHICH OFFERED THE SAME PROMPTS THAT A NEW CALLER WOULD HAVE TO SELECT FROM. I BELIEVE IT IS FRAUDULENT FOR A COMPANY TO ISSUE YOU A CREDIT CARD YOU DID NOT APPLY FOR. IF IT ISNT IT SHOULD BE. I APPLIED FOR A PLATINUM CARD. IF THEY DID NOT WANT TO GIVE ME ONE THEY SHOULD HAVE JUST TURNED ME DOWN. INSTEAD THEY SAID THEY WERE GOING TO SEND A DELTA SKY MILES CARD WHICH I DIDNT APPLY FOR AND DIDNT WANT, AND THEN SAID THAT I WOULD HAVE TO WAIT UNTIL IT WAS ISSUED AND CANCEL IT, WHICH OF COURSE WOULD AFFECT MY CREDIT RATING. THE EMAIL THAT WAS SENT TO ME HAD A LINK TO LOOK AT THE RESULTS OF MY APPLICATION. WHEN I CLICKED THE LINK IT SAID A DELTA SKY MILES CARD WOULD ARRIVE IN THE NEXT FEW DAYS. IT ALSO NOTED THE PLATINUM CARD APPLICATION HAD BEEN CANCELLED. I WONDER HOW MANY CREDIT CARDS ARE BEING ISSUED THAT PEOPLE HAVE NOT APPLIED FOR, AND I WONDER IF AMERICAN EXPRESS IS DOING THIS BECAUSE IT REALIZES THAT THERE ARE FEW PENALTIES FOR CORPORATIONS THAT ILLEGALLY CREATE CONSUMER ACCOUNTS. XXXX XXXX COMES TO MIND.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: ID

Complaint narrative:
A {$190000.00} payment was applied wrong creating thousands of dollars late fees penalties and interest. A letter was included with the payment directed the loans to be paid and a good contact name and phone number if there were questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc.
State: NC

Complaint narrative:
Used XXXX to research refinancing my mortgage. 

# 1 ) Immediately afterward received 30+ phone calls from different companies. Website said they would use email to communicate not phone. # 2 ) I've had two people come to my house saying that XXXX told them I wanted to sell my house. # 3 ) I've received 2 calls and my father-in-law has received a phone call saying that they were told I'm looking to sell my house. 

From what I can tell XXXX has just given my information out to anyone. My understanding was that they were sharing this with banks not any Joe off the street. 

The people who are calling me are extremely aggressive yelling at me for not working with them. Really crazy stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Mortgage — VA mortgage
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: Ditech Financial LLC
State: CO

Complaint narrative:
In XXXX of 2018 I closed a loan with Ditech. The pay off loan was funded on XX/XX/2018 and Ditech didn't close the loan until XX/XX/XXXX. Ditech reported to the credit bureaus a 30 day late payment even though they said it was funded on the XXXX. I contacted Ditech in XXXX when I discovered they had reported a 30 day late payment. They advised me to send the closing documents which showed when the disbursement actually occurred. I emailed to their customer service department the closing documents. I never heard back from them. Now in XXXX, the late payment is still showing on my credit. I called Ditech again, they have no record of my previous call and now I have to fax or mail the closing documents into them. Either way they have falsely submitted a 30 day late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I began disputing a collection account in writing as of XX/XX/2018. The collection company ( XXXX ) called me on a saturday afternoon ( I had not received anything in writing that there was anything to dispute ). The agent was told not to contact me further, and she states, " I will keep calling until you pay your debt -- all calls should be recorded ). 
The first collection letter from XXXX was billed for {$1700.00} ( an amount submitted by XXXX XXXX ). 
After I began my dispute with the 3 credit bureau giants,  Experian made an adjustment to reflect {$910.00} on my credit report as of XX/XX/18. 
I submitted emails the Experian and evidence that the property management company ( XXXX XXXX ) admitted the were wrong to bill me for rent when they already had lease on the unit as of XX/XX/XXXX. The landlord-tenant laws states a company can not try and collect rent plus reletting fees if another tenant is living in the unit of the prior person. I have made several attempts to have the collection account removed based on these facts, but Experian, XXXX and XXXX XXXX have refused to respond or make proper adjustments.

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 2018-12-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GATEWAY FIRST BANK
State: OK

Complaint narrative:
Today I received a call for the collection department for the XXXX payment and I told the collection representative that I had till the XXXX before the payment was late. The representative try to lie to me and say that the payment was due on the XXXX and that they give us a grace period of 15 days to make the payment which is not true according to the note that I sign which state that by the end of XXXX calendar day the holder of the note is late. To me it felt like they were trying to harsh me for my payment right when I stated that I had till the XXXX to make my payment. the collection agent was very rude and aggressive and I did not like this matter at all

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is my third compliant to you. You have not resolved the original issue I had with the credit reporting agencies. As I stated in the last two complaints, I sent 3 dispute letters to Experian, XXXX  and XXXX   disputing items on my credit report. You as well as the credit reporting agency repeatedly ignored the FCRA. You as well as the credit reporting agency has not produce any documentation proving the said items belongs to me. You as well as the credit reporting agency constantly states that the furnisher has verified the said disputed items. Who is the furnisher? How did they verify? Where is the original signature page, which provides proof items belongs to me? You both have failed numerous times to produce proof of said items. I am beyond anrgy that this is still not resolved after four months. I want to see your proof, which must be the original signature page of the allege contract as required by the FCRA.

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 2018-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CARS Acquisition, LLC
State: MD

Complaint narrative:
XX/XX/2018, I Bought a car at XXXX XXXX XXXX XXXX in XXXX, VA. I Agreed on XXXX as the price and put down {$1500.00} cash. I was presented with paperwork that essentially nullified the {$1500.00} in Tax tag title and dealer fees, with the balance remaining at {$3500.00} @ 14 % for 48 mos. I never received tags, despite getting a DC registration as instructed. 
More than a month later, I received a payment book for a company in my general area, called XXXX XXXX XXXX. I paid them once at their PO address and once in a drop box at their office. The total of these payments was over {$350.00}. 
After two months, I received notification I was to pay a company called XXXX XXXX, via a barcode scan and cash at XXXX, I began paying them in XXXX, and to date have paid them over {$770.00}, all the while receiving harassing text messages and refusals to present a statement each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft. I have yet to have any disputes resolve or any feed back regarding this matter and its been well over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been with American Express for more than 10 years and I have had a few or maybe no late fee and interest charge on my card. I an attempt to upgrade my gold card, I was offered to apply for a new platinum Delta Skymile card. Since I had an autopay on the gold card, I thought it will be automatically applied for the new platinum. On XX/XX/XXXX, I saw that there is a {$27.00} charge on my card as a fee for late payment. I immediately called and asked for a courtesy reimbursement which was done, then I realized that there is an interest fee that Amex also applied to my account : {$480.00} ; I called Amex and a lady answer my phone, she told me that they would reverse the fee to my account if I pay the amount due, which I did immediately with her on the phone. She told me that the payment will take effect between 24-48hrs and I should just call after than to get the money back ( she made a note of it ). Today I called to ask for the reimbursement, but this time the customer representative and the supervisor ( XXXX ) I spoke with where no help and drove me to a point where I would like to cancel my card.

They where not understanding and kept interrupting me and going in their own loop. In the end, I hung up frustrated and annoyed. I am using this card a lot for my travelling and others, unfortunately I have to cancel this card, my wife 's and my other blue Amex if no action is taken. I will also take legal actions against Amex and XXXX, because this is unfair and limit taking customer money when you are supposed to be protecting customer 's interest

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
We are a small non-profit corporation with a PayPal account. We have been unable to download any reports from our account for more than two months. 
XX/XX/18 sent an email via " contact us '' link on the company 's website ; no reply was received. XX/XX/18 had an online " chat '' with the company 's representative who said he couldn't help. 
XX/XX/18 tried contacting the company again through its " contact us '' link ; no reply. XX/XX/18 had another online " chat '' with " XXXX '' for over 30 minutes. XXXX couldn't help and toward the end of the chat, gave a website for the company 's support office. That website was not correct ; the company changed it two days prior to XX/XX/18. 
XX/XX/18 contacted via the website and received an email from XXXX at PayPal. XXXX requested a screenshot of our account report page in order to determine the problem ; it was sent to him. On XX/XX/18 received an email that the case was closed! However, we still can not download reports and can not reach a responsible person at PayPal to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: ProCollect, Inc.
State: TX

Complaint narrative:
I began disputing a collection account in writing as of XX/XX/2018. The collection company ( ProCollect ) called me on a saturday afternoon ( I had not received anything in writing that there was anything to dispute ). The agent was told not to contact me further, and she states, " I will keep calling until you pay your debt -- all calls should be recorded ).

The first collection letter from ProCollect was billed for {$1700.00} ( an amount submitted by XXXX  XXXX/XXXX  ).

After I began my dispute with the 3 credit bureau giants, XXXX made an adjustment to reflect {$910.00} on my credit report as of XX/XX/18. 
I submitted emails the XXXX  and evidence that the property management company ( XXXX XXXX/XXXX  ) admitted the were wrong to bill me for rent when they already had lease on the unit as of XXXX  XXXX. The landlord-tenant laws states a company can not try and collect rent plus reletting fees if another tenant is living in the unit of the prior person. I have made several attempts to have the collection account removed based on these facts, but XXXX, ProCollect and XXXX XXXX have refused to respond or make proper adjustments.

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 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am an international XXXX student at XXXX university. I opened abank account in XXXX XXXX, XXXX, Al in begining of XX/XX/2018, i used the bank depit card for buying some stuff online and paying in super markets correctly. At the beginig of XX/XX/2018 the XXXX XXXX  told me that was closed without showing any reasons. I didn't get my monyback till now. I tried to open an account in XXXX XXXX  and applied online for a deposit account, i recieved a message from the bank that my request was rejected due to a report from a Consumer Reporting Agency which is : Equifax Information Services, LLC ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ). 
I tried to get what is inside this report but i couldn't. 
The problem now that i want to know what is wrong with me and also i have to open a bank account to recieve my salary on it.

Company response to consumer: Closed with explanation