vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I owed XXXXXXXX XXXX XXXXXXXX ( XXXX ) {$1200.00}. They told me I could pay the debt with a credit card. On XX/XX/XXXX, I gave XXXX my Citi Card credit card number and authorized the charge to my credit card for {$1200.00}. In late XXXX, I was looking at my Citi Card account and noticed that I was charged fees and interest on a cash advance to XXXX. On XX/XX/XXXX, I contacted XXXX to find out why they put the transaction through as a cash advance. XXXX XXXX of XXXX assured me that she put the transaction through as a credit card charge ( I have an email from XXXX proving this ). I told XXXX that I would dispute the charge. On XX/XX/XXXX, I opened a dispute with Citi Bank about the transaction. On XX/XX/XXXX, XXXX notified me that it was their merchant that decided the transaction should be a cash advance and changed the transaction. In XXXX  XXXX, Citi Bank credited the charge back to my account. On XX/XX/XXXX, XXXX notified me that the cash advance transaction was credited back to my account and that I still owed them the {$1200.00}. On XX/XX/XXXX, I sent an email to XXXX with attachments showing that I mailed a cashier 's check to them with proof of mailing. On XX/XX/XXXX, Citi Bank notified me that they had concluded their investigation and found in favor of XXXX. Citi Bank said they were crediting the cash advance back to XXXX and charging me {$91.00} in fees and interest. Citi Bank stated that I had not proved that I cancelled the transaction with the merchant. That same day, I responded to Citi Bank showing that I paid XXXX separately by mailing a cashier 's check to XXXX and showed proof of mailing through Citi Bank 's secure mail system. Citi Bank responded and told me that the investigation was closed and that I can not open another dispute on the same transaction. On that same day I sent an email to XXXX asking them to credit the transaction back to my credit card. On XX/XX/XXXX, XXXX notified me that they were going to mail a check to me to refund me the extra {$1200.00} that I had paid. Citi Bank will no longer address this issue and has charged me {$91.00} dollars for cash advance fees and interest. I never authorized a cash advance transaction. I thought it would be easier to make an electronic payment through my credit card than by sending a check. XXXX never told me they would consider the transaction as a cash advance. They told me it would be a credit card transaction. I want Citi Bank to credit back the fees and interest charged to me for the cash advance transaction.

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 2021-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened my checking account with TD Bank on XX/XX/XXXX. When I opened the account it was within a promotional period to receive {$300.00} bonus after certain conditions were met. 
1. New account holder that has not received a bonus within the last 12 months - condition met. 
2. At least {$2500.00} in direct deposits made within first 60 days - condition met - {$3700.00} in direct deposits made by XX/XX/XXXX 3. wait a maximum amount of time for bonus to post ( XX/XX/XXXX ) - condition met I had met all conditions and spoke to multiple customer service representatives in regards to where my bonus is but they just keep telling me to wait and that they will forward to promotion department. 
I have met all conditions and expect that my bonus be paid as is stated in the terms and conditions ( Which I do have screen shot copies of the terms and conditions )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
There was a XXXX account that was opened in my name through XXXX XXXX.That account was closed by XXXX XXXX letter dated XX/XX/2019 because of fraud i have the letter.The account number was XXXX, XXXXXXXX XXXX sold the account to ( XXXX XXXX XXXX under a new account number after knowing that the account was fraudulent that account number was XXXX that this account was opened XXXX Now that same fraudulent account is with MIDLAND CREDIT MANAGEMENT INC they are trying to sue me after a cease and desist letter was sent to them to stop any collection activities. 
XXXX XXXX XXXX, XXXX has the account XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I opened a PayPal account about 3 years ago with my email XXXX. when I attempted to use this account recently and since I didn't have the same phone number I was having issues. I created another PayPal account and I contacted PayPal and let them know. Now I have roughly {$900.00} dollars in my account and they limited my account. I submitted all the documents requested and they told me 72hours or less I would revieve access. I waited the 72hours and now they are telling me another 72hours. I Sold these products on ebay because I need the money. My family is struggling due to covid and I being out of work and I can not afford for them to continue to tell me to wait.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
Followed steps to close an account with Robinhood, and they do not get back to me nor close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
On XX/XX/XXXX XX/XX/XXXX and XX/XX/2021 someone applied For Loans in My Name Without my consent I Contacted The police but because they were only inquiries they stated that they couldnt do anything for me to contact the credit Bureaus to dispute i called the bureaus place a freeze on my report and fraud alert to stop it from happening again. The bureaus told me to come to this site to get a report so they can resolve the issue So now im here hoping you guys could help me!

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 2021-02-11 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 — Investigation took more than 30 days
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
THIS IS THE 3 TIME I HAVE HAD TO FILE OVER THIS ISSUE. NOT SURE WHAT THE PROBLEM IS WITH ME FILING A COMPLAINT. DONE MY OWN MOTION HERE ON THE CFPB.GOV. 
I am having an issue with someone using my information for unknown accounts and addresses. I am demanding are investigation on my credit file and I would like the following addresses and accounts deleted : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, US DEPT OF EDUCATION XXXX XXXX DEPT OF EDUCATION/XXXX # XXXX I HAVE ALREADY SENT A COMPLIANT ABOUT SOME fraudulent addresses still appear on my credit file. Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following phone numbers they are not mine : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened a claim with my Insurance Carrier - XXXX XXXXXXXX, due to water damage that was the result of negligence of the upstairs condo unit above my property unit. After six months, XXXX XXXXXXXX finally released checks issued to myself and my mortgagee. Damages are in excess of {$100000.00}XXXX XXXX XXXXXXXX issued two checks in the amounts of {$76000.00} and {$2200.00}. I endorsed the checks and sent them to FlagStar Bank, Property Loss Claims. They received those checks on XX/XX/XXXX. 

In order for repairs to begin and continue in a timely manner, while waiting for the funds to be released from FlagStar bank, I paid out of pocket to the contractor XXXX XXXX XXXX. Copies of the initial deposit for work to begin and second payment are attached to this complaint. As well, I paid out of pocket for materials as that was not included in the repairs estimate from XXXX XXXX. Funds out of pocket, TO DATE, total {$31000.00}. In order to continue with repairs another {$19000.00} is due today, XX/XX/XXXX. 

Payment schedules, contractors information, copies of checks, copies of all receipts for materials paid out of pocket have been submitted to FlagStar Property Loss Claims. 

FlagStar intentionally informs me of conflicting information of what documents are either needed or not needed to process my claim. Several representatives informed me of a new policy where I did not have to submit certain forms from their claim packet. Then, without informing me, FlagStar reversed their policy and the forms were now required. When I have contacted FlagStar to resolve this to get funds reimbursed to me, yet another new policy or other requirement is needed in order to pay the funds they are in possession of from XXXX XXXX. 

FlagStar is intentionally withholding money that is due to me to repair my property. FlagStar refuses to send an inspector to my property which is stated on their very own policy. In speaking with supervisor, XXXX, as of this morning, XX/XX/XXXX at XXXX XXXX, FlagStar will neither send an inspector, release funds that are owed to me or proceed with my claim stating there is a hold up with my HOA. My HOA is NOT involved in this matter. 

FlagStar is discriminating against me as a single elderly XXXX female. A complaint will also be filed with HUD in violation of the American Disabilities Act, along with a complaint to The Federal Trade Commission.

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 2021-02-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I recently checked my credit report and noticed several inaccurate items. After researching how to dispute these inaccurate items I learned a lot from the FCRA. In keeping with the law I submitted a dispute letter over 60 days ago and still have not heard any response. I feel like Im being ignored and being taken advantage of. These items are injurious to 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 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Clark County Collection Service
State: NV

Complaint narrative:
I discovered a collection account while checking my credit report. The account was one I had no clue of and they never sent me a letter notifying me of the account, my right to dispute and a time limit to do so. as such i thought my only option had been to pay on a debt I didn't owe. Upon reading 15 usc 1692 also known as fair debt collection practices act and 15 usc 1681 also known as the fair credit reporting act, I discovered my rights to defend myself and ask for validation. This company however refused by sending me a letter stating I had 30 days to dispute and ask for validation. And they also included an invoice for the account which they stated to be " courtesy verification ''. That invoice itself makes no sense because all it proves is that someone claiming to be me may have opened an account not that I used thatservice or should be liable for the alleged debt. Their claim of a 30 day limit also is void as they never sent me the notice required by the FDCPA in the first place. How can a time limit dependent on my reciept of a written communication begin if they never sent me that letter. I also requested proof of the letter and the proof of mailing if they had sent it like they claimed. The only answer I recieve from that company is a template letter and their absolute refusal to follow legal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I sent {$100.00} via XXXX for a golf club then was sent a fake tracking XXXX #. 

Ive contacted Bank of America several times and they havent even initiated a response or investigation in the past 11 business days. 

I have text messages, the persons bank information etc.

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 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Run Solutions, LLC
State: IL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, After several failed attempts to contact and or resolve several disputed amounts on my company issued debit card I have had no luck resolving with the XXXX XXXX. Someone made several fraudulent purchases with my debit card amounting to XXXX from dates XXXX. I picked up a second job during the covid pandemic to support my family as I lost my job when the pandemic happened and these fraudulent purchases went unnoticed until i went to pay my mortgage the following month. XXXX has refunded me {$100.00} out of the total requested and after asking several times for communication and more insight I have received nothing. I submitted the dispute on XX/XX/2020, blocked the old card and received a new XXXX. I was hoping to receive some help or guidance on how to handle this as I can't get anywhere with them. Thank you for reading.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
XXXX XXXX from XXXX called me and employer and is harassing me severely. He stated that he was going to seize my assets and file a judgment against me. He would not stop harassing after I told him to please stop. He is referring to an old credit card that was over 7 years old. I am not even sure that this card is mine as he was not able to send me proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX XX/XX/XXXX and XX/XX/ 2021 someone applied For Loans in My Name Without my consent I Contacted The police but because they were only inquiries they stated that they couldnt do anything for me to contact the credit Bureaus to dispute i called the bureaus place a freeze on my report and fraud alert to stop it from happening again. The bureaus told me to come to this site to get a report so they can resolve the issue So now im here hoping you guys could help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I recently checked my credit report and noticed several inaccurate items. After researching how to dispute these inaccurate items I learned a lot from the FCRA. In keeping with the law I submitted a dispute letter over 60 days ago and still have not heard any response. I feel like Im being ignored and being taken advantage of. These items are injurious to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST MIDWEST BANCORP, INC.
State: IL

Complaint narrative:
XX/XX/2016 The Midwest Bank had made several unapproved withdrawals from my bank account # XXXX XXXX ex XXXX, XX/XX/2016 and transferred it to the Department of Education for a student loan on XX/XX/2016 thru XX/XX/2016, @ {$78.00} per month totaled @ {$390.00} without my approval ;

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 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CO

Complaint narrative:
I cancelled my XXXX account in the summer of XXXX. After closing my account, I was told that I owe {$310.00}. After multiple phone calls with customer service and eventually having to go to the XXXX store twice, I was assured on the phone that the account was XXXX out and I did not owe any money. There should be recordings of these phone calls. 

In XX/XX/XXXX, I was sent the attached letter saying that XXXX owed me {$310.00}. Not one to turn down free money, I returned the letter to XXXX. I never received a check or credit, instead, I started receiving bills. I attempted to call XXXX regarding these bills but they were unable to talk to me because I could not remember my account passcode and required that I go to the store. Due to the COVID pandemic and the fact that this issue had been fixed, I was unwilling to go to the store. 

In XX/XX/XXXX, when applying for a very important loan, I learned that I had been sent to collections from XXXX for the amount of {$310.00}. In my haste to attempt to fix my credit score so I could qualify for the important loan, and because I was told I could request a refund from the collections agency within 30 days, I paid the debt. On 4 occasions, I attempted to cancel the paid debt with collections and request a refund so that I could have this removed from my credit score permanently, however, the collections agency refused to refund my money. They told me to file a dispute with my credit card company, which I have done. 

I also sent the attached email to both XXXX and the collections agency on XX/XX/XXXX, and I have never received a reply from either company. 

I honestly don't even care about the money at this point, which is why I paid the collections agency, not realizing that it stays on my credit report for 7 years, anyway. I am just very, very disappointed and upset that I can not qualify for my loan and this has had such a hue negative impact on my life. I am at such a loss and feel so powerless. I did not ask for any of this and have tried so hard to fix this without anyone being willing or able to help me. My credit score has been ruined and I would like this incorrect debt to be cleared from my 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 2021-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I HAVE A BANKRUPTCY THAT HAS BEEN ON MY CREDIT FOR OVER 10 YEARS

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 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EVERBANK, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My mortgage company, TIAA bank, sold my mortgage to their sub servicer company, XXXX. I had no say in this. And this is the 4th time my mortgage has been sold. My credit was reduced by 15 points due to the mortgage showing as " closed '' on my credit report. A TIAA bank representative said this should not have happened and I have some sort of federal protection against this. I'm not sure how it's legal for me to be punished for a mortgage company selling my mortgage without my knowledge or consent. I've refuted this on XXXX  and XXXX  as those reflect the 15 point reduction. XXXX hasn't updated this yet.

Company response to consumer: Closed with explanation