vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have multiple credit cards issued by Citi bank that I have been using for more than a decade. I have been a good long standing customer with Citi and they have treated me well until recently when one of my credit card was cancelled without prior notification. I found out that my card was cancelled in a embarrassing way when i tried to use the card for a purchase and it was denied. When I called the card service I was told bank has no obligation to tell the customer when they cancel the card. As per agreement they have the right to cancel it without any notification, and they deliberately made this policy not to inform the customer in cases like me where the reason for cancellation was simply the card was not used for long time. At my end since I have multiple cards didnt keep track of usage of each card besides there was no information provided upfront that my card will be cancelled if not used. With cancellation of this card my credit limit has reduced and dont wish to open new card since I dont want to hit my credit score. My concern and reason for complain is I am a good customer with perfect credit score, no risk to the lender and yet my account was closed without prior notification, or giving me opportunity. I came to know about the cancellation in a embarrassing way.

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 2020-07-02 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, I visited the WayFair website for the first time and saw an offer for their store card which offered a {$40.00} promotional credit for a purchase of {$250.00} or more. I went to make the purchase and the system would not let me use the promotional credit. I placed another order for {$250.00} or more and the {$40.00} credit was gone. The only reason why I applied for the card in the first place was for the {$40.00} offer. The only reason I used the card was for the {$40.00} offer - and yet Wayfair 's system never allowed me to use the {$40.00} credit offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-02 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a checking account with Citibank, account number XXXX. I closed my checking account in XX/XX/2020. The checking account also had a Checking Plus Line of Credit attached to the regular checking account to pay any overdraft fees. I assumed the add-on account would be closed at the same time. I was unaware that there was a balance on the Checking Plus Line of Credit. Subsequently, Citibank reported me to the credit reporting agencies as being 30 days late for {$22.00}. I have paid the account in full. 
I asked Citibank to remove the derogatory information from my credit bureau because they did not inform me of the balance on the add-on account when I closed the parent account. When I informed Citibank that I would like to file a complaint they told me that I need to talk to the credit reporting agencies.

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 2020-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I am trying to link my PNC account to my XXXX  account so I can begin to save some money. In case of another pandemic in the future, and pnc will not let me link my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am having an issue with PayPal as they have hundreds of dollars of my money that I earned on a hold. Its been like this for weeks where PayPal has limited my accounts access and have not allowed me to use my account, or get access to my money. I am a XXXX  and I thought PayPal was a safe way to complete transactions with customers but now I realize that they are a scam. I have contacted them every day since this has occurred and my issue is still not resolved to this day, nor do I get any help from their customer service. It seems as though they have no obligation to return my money to me, and wont even tell me why my account was put on limitation even in the first place. Every document or Id PayPal has asked of me, I have sent them. But, still my issue is not resolved. I took my issue to XXXX, where I realized there are many many more consumers of PayPal, going through the exact same issue. They are holding large amounts of money from their consumers for 6 months + time, without any explanation. This is unacceptable. There is something fishy going on with them and I truly believe they are a scam and stealing peoples money. Something has to be done about this because I need that money to pay my bills desperately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I recently received an email offering an AMEX GOLD credit card with a bonus of XXXX points. I signed up and met the spending requirement quickly, but now Im told theres no record of the offer being extended to me. Ive called multiple times with no result ; I have been a loyal AMEX customer for 19 years. I never received prior promotion points from this card to make me ineligible..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: SC

Complaint narrative:
Upon reviewing my Credit Report, I've seen an inaccurate record from Calvary Portfolio Services. On XX/XX/XXXX I've sent them a letter, requesting validation of this debt and ask to stop all collection activities, until such dept is properly validated ( as XXXX XXXX, plaintiff, vs. DIEM CORPORATION, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX ). 

Instead of sending me requested documents, Calvary Portfolio Services replied with just an " account is accurate '' letter ( see file attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I went to HSBC and because Im glad she judged me and refused to give me my funds.Im XXXX XXXX. Basically I go to HSBC Monday the XX/XX/XXXX About XXXX XXXX. I fill out my direct deposit slip to make a withdrawal for XXXX dollars. The teller looked at me and asked. Do you have a atm card. I politely told her. I lost my ATM card and the new hasnt arrived yet. She replied so you dont have a ATM card. Which I just told her no. So she told me to let her get the manager. The assistant Manager looked at me looked at my account and questioned me about the funds in my account. I applied for a business loan from sba due to the Covid.She basically said sorry I cant let you withdraw any funds I need more documentation? So I emailed them my documents on from SBA and the still want give me my funds.I called several of times and they still havent released my funds that are available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC bank made a change that prevents me as a customer to link my accounts with XXXX app which allows customers to round up the amounts spent on their debit card and use it with XXXX investment platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I bought a policy with XXXX after buying a car mainly just to get me through about a week until I could add the car to my XXXX XXXX  policy. I had an XXXX XXXX XXXX so I pay big money for this commercial insurance. I decide to keep this XXXX policy for 6 months because it was cheap and I figured it never hurt to have extra insurance. After my 6 months were up I never renewed and never signed any renewal but they sent me a bill for another 6 months. I sent emails and called them showing with documentation I already have insurance and will not be renewing with them. 
They put me in collections with CAINE & WEINER XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX and hurt my credit rating by 40 points. 

I disputed with Caine and Wiener with documentation but it fell on deaf ears. I disputed with XXXX and this stupid {$240.00} charge is still on my report. XXXX did remove this so I rate them much higher than XXXX. I refuse to pay out of principle and have decided my only recourse is to tell what a crooked company XXXX is to the world on review sites. 
Recently with covid 19 I can not continuing my business because this bogus collection hurt my credit score just enough to not qualify for a Small Business Association Co-vid19 loan which would have allowed me to stay in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX Wells Fargo Home Mortgage Foreclosed on my home. XX/XX/XXXX Wells Fargo failed to answer my questions concerning my note. They failed to answer any of my questions on the questionnaire I sent them in XX/XX/XXXX. Wells Fargo Home Mortgage failed to answer pertinent questions Under RESPA AND TILA ACTS. 

Wells Fargo failed and deliberately ignored my numerous requests to answer my questions concerning the alleged debt they were demanding over the telephone. They refused to send me any bills or statements for what I owed and they never gave me receipts for the payments I made. Wells Fargo and its agents also endorsed the mortgage note at closing without my knowledge or disclosure that it endorsed the note on the back PAY TO THE ORDER OF AND WITHOUT RECOURSE. 
This indicates that they converted the note to a DRAFT ie a check and someone recieved a XXXX dollar payment. Then they proceed to demand payment when someone endorsed the note without recourse. 
On XX/XX/XXXX Wells Fargo reconveyed my home to a # rd Party debt collection attorney in the state of Michigan and these attorneys proceeded to pilfer my public Title to the property in question. To this Day XXXX XXXX  XXXX  and their agents have continued to Send Bills and Notices of collection and notices of Sherriffs sale on XX/XX/XXXX. XXXX XXXX has sent collection notices through the US Mail indicating a fraudulent process to collect on my estate and making themselves Fiduciary to my estate when I never authorized them to contract with me or my estate. Swindle, fraud, and fraudulent collection activity are being reported to the Treasury Department and the IRS as well as the XXXX police.

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 2020-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been a Chase customer for quite a while. I have a chase liquid prepaid card that I use only when I travel abroad. In order to keep my card because I dont use it often, I make sure to have enough money on the card to cover the monthly fee of {$4.00}. On XX/XX/XXXX I had an emergency and I tried to withdraw {$100.00} but I couldnt. I got a receipt telling me to call a number which I did and found out that, my card has been frozen for the past two years without my knowledge. I was surprised because I always paid my maintenance fee and I dont owe them any money. For the past two weeks, I have been calling them to try to fix the problem without success. They transferred my call to the investigation unit that doesnt seem to know what going on. They told me that a woman name XXXX oversees my case but anytime I called and tried to speak to her, she is always busy and said to leave my phone number but never calls me back. It became very frustrating and disrespectful. I went to one of chase bank branch and spoke with one of their employees that tried to help me as well with no success. I dont know what to do and now it seems like I cant no longer access my account. I tried many times before sending this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: PA

Complaint narrative:
Please remove these accounts immediately.. They should not be on my report. This is fraud. I have proof of fraud. I've already sent it to all bureaus with no changes. I dont know what the issue is but remove it immediately because the credit bureaus are supporting fraud!!!! 

XXXX XXXX  Opened Date XX/XX/XXXX Balance {$770.00} XXXX   XXXX XXXX  Opened Date XX/XX/XXXX Balance {$4400.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$4700.00} XXXX Opened Date XX/XX/XXXX Balance {$6500.00} XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/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 explanation
Consumer complaint received 2020-07-02 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: PA

Complaint narrative:
Please remove these accounts immediately.. They should not be on my report. This is fraud. I have proof of fraud. I've already sent it to all bureaus with no changes. I dont know what the issue is but remove it immediately because the credit bureaus are supporting fraud!!!! 

XXXX XXXX  Opened Date XX/XX/XXXX Balance {$770.00} XXXX   XXXX XXXX Opened Date XX/XX/XXXX Balance {$4400.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$4700.00} XXXX Opened Date XX/XX/XXXX Balance {$6500.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2020-07-02 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: PA

Complaint narrative:
After reviewing my credit I realized that there are accounts still on my report that do not belong to me. They were opened by someone and maintained by someone other than me without my permission. 

XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$890.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$4300.00} XXXX  XXXX XXXX  Opened Date XX/XX/XXXX Balance {$4400.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I need my credit file to be updated with the correct information I had some issues with incorrect items on my file. My current and on address is XXXX XXXX XXXX , XXXX XXXX, OH XXXX. My name is XXXX XXXX XXXX please delete any other variation of my name. My DOB is XXXX. My SS is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX I have cellphone numbers that do not belong to me on my credit please delete at once : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I need my credit file to be updated with the correct information I had some issues with incorrect items on my file. My current and on address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My name is XXXX XXXX XXXX please delete any other variation of my name. My DOB is XXXX. My SS is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have cellphone numbers that do not belong to me on my credit please delete at once : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 non-monetary relief
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Pro Collect Inc XX/XX/2016 This creditor I do not know. I see a balance they are trying to collect for the original creditor of XXXX XXXX  and sure deposit. I have called this creditor and wrote them several times about this debt. They have not provided any validation to me regarding the debt and the was a court order for only {$850.00} to XXXX. The was a security deposit taken towards this. Yet, they have still not correctly reported this debt. They tried to collect on rent after locking me out of my property after I provided a 30day notice that I would be moving. They then placed the balance of months of the lease as a amount owed and attempted to collect it. I do not know how I owe the sure deposit anything. So i am not sure why they are also trying to collect this in addition to the rent. But this aggressive collections attempts need to stop. Or a formal court hearing needs to be filed. Both accounts are related to same facility and are not separate 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 2020-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: GREAT WESTERN BANCORP, INC.

Complaint narrative:
I contacted Great Western Bank and they did nothing, so I have filed a complaint with the local police department in Arizona. 

I am providing a large file, which includes documentation and a small document showing my email to XXXX XXXX, the main scammer. 

Please review the documentation and note that there is a similar complaint involving XXXX   XXXX XXXX, but the complaint involving Great Western Bank is for the {$5300.00} and involves money mule XXXX XXXX XXXX XXXX. All this money was wired to the collection of scammers who pretend to be XXXX XXXX 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 explanation
Consumer complaint received 2020-07-02 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: PA

Complaint narrative:
After reviewing my credit I realized that there are accounts still on my report that do not belong to me. They were opened by someone and maintained by someone other than me without my permission. 

XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$890.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$4300.00} XXXX XXXXXXXX XXXX Opened Date XX/XX/XXXX Balance {$4400.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: PA

Complaint narrative:
After reviewing my credit I realized that there are accounts still on my report that do not belong to me. They were opened by someone and maintained by someone other than me without my permission. 

XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$890.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$4300.00} XXXX XXXXXXXX XXXX Opened Date XX/XX/XXXX Balance {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation