vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-28 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: CITIBANK, N.A.
State: WA

Complaint narrative:
Hello, I used a Citi issued prepaid card at a Citi ATM at the Citibank located at XXXX in XXXX, IL. 

I needed {$1800.00}, however, I did not know the daily limits on my card. I requested a {$1000.00} and the transaction went through. Then I requested {$800.00}. That transaction went through as well. I received XXXX receipts for {$800.00} and {$1000.00} debits to my prepaid card balance. I started counting the money to realize that I only got {$500.00} each time. Citi shorted me {$500.00} for the first transaction and {$300.00} for the second. I took the XXXX stacks of bills and the receipts and immediately went into the branch. They refused to review my transactions, did not count the money I got, and told me to call the number on the back of the card. This is a Citi card! They did not attempt to balance the ATM either. They said the Citi card I had is not issued by the retail side of Citi, and they do not service the drive-through ATMs - which are physically under one roof with them. That is serviced by yet another 3rd party. They called the prepaid card to see if indeed they debited the {$1800.00} as was stated on the receipts and confirmed that they did! At that point I am talking to an assistant branch manager and the branch manager who clearly do not want to do anything. They did not file a report, count the cash. They did nothing. The assistant branch manager pulled out a couple of binders and tried to read some procedure, then she just closed the binder. 

The branch manager also stated that I claim ( claim!!! ) that I gotten {$500.00} each time. The transactions happened minutes before this conversation. I offered for them to search me and my car as there was no time to have hidden the money anywhere else. 

No one apologized even once! They treated me like it was my fault, especially the manager himself. No one once assured me not to worry and that they have means to reconcile these transactions. Not once! 

I called the number on the back of the card. They indicated that they will provide me with the dispute form and they expect to be able to find the money, however, the process will take 45-60 days. What if I need the funds sooner? Now? There was no  concern about any potential hardship for me. It was an unbelievable experience.

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 2017-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I attempted to close my Best Buy XXXX card in late XX/XX/XXXX/early XX/XX/XXXX, when the card was paid off in full. There was a zero dollar balance on my card, and I closed it using the automated system offered by Citibank ( holder of the card ). I was hesitant to use the automated system, so I immediately called back and got a Customer Service Rep to confirm that the account was, indeed, closed. Confirmed. Closed. 

However, the company continues to email me " statements '' with the last 4 digits of the account number and my zero dollar balance info. I have called the company numerous times to verify that the account is closed, and each time they tell me yes, the account is closed. When I ask why they are still sending me emails with my " Best Buy XXXX Card Statement '' each month and ask them to stop sending the emails, they brush me off and tell me it takes a while for their system to update. XXXX months? 

I am concerned that anyone could still access this account, as it does not appear closed by the emails that I am getting. And since I no longer own the credit card, and I am not checking statements regularly, I am further concerned at the risk of identity theft. Why am I still getting emails from this company with my statement information if the account is closed?

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 2017-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This company contacted me by phone we ended with payment agreement paying {$62.00} dollars monthly they never told me they were a collection agency i thought i was paying the XXXX XXXX XXXX, after rweviwing my credit i foun it was a collection by then i called and the amount due was {$140.00} paid in full onXX/XX/XXXX by credit card XXXX XXXX Confirmation number XXXX they never send the letter paid in full as agree, i send a dispute to all three bureus to remove this information from my credit

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 2017-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XXXX XXXX, 2017, I purchased a car at XXXX XXXX dealer located in XXXX XXXX Maryland. At the time of my purchase, I came into the dealership with a pre-approved purchase from a bank that I have used in the past to purchase cars.The Finance officer had my credit evaluated as a hard inquiry more than 6 times. I never gave permission to run my report as a hard inquiry as I already had an approval letter. I feel that this action has created a negative impact on my credit profile.

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 2017-08-28 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On XXXX XXXX, 2017, I purchased a car at XXXX XXXX dealer located in XXXX XXXX Maryland. At the time of my purchase, I came into the dealership with a pre-approved purchase from a bank that I have used in the past to purchase cars.The Finance officer had my credit evaluated as a hard inquiry more than 6 times. I never gave permission to run my report as a hard inquiry as I already had an approval letter. I feel that this action has created a negative impact on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XXXX XXXX, 2017, I purchased a car at XXXX XXXX dealer located in XXXX XXXX Maryland. At the time of my purchase, I came into the dealership with a pre-approved purchase from a bank that I have used in the past to purchase cars.The Finance officer had my credit evaluated as a hard inquiry more than 6 times. I never gave permission to run my report as a hard inquiry as I already had an approval letter. I feel that this action has created a negative impact on my credit profile.

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 2017-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN is reporting in valid accounts on my credit report I have requested their investigation procedure according to the FCRA U.S. Code Title 15 Chapter 41 Subchapter III 1681i 15 U.S. Code 1681i - Procedure in case of dispute They continue to ignore 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 2017-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: CA

Complaint narrative:
On XX/XX/XXXX, I took out a personal loan in the amount of {$10000.00} with Lending Club to lower my interest rates and combine some credit cards into one monthly payment. I was approved for the loan amount of {$10000.00}, but they needed to keep {$600.00} for a loan origination fee and I agreed. But I asked if paid off the loan early would I get that {$600.00} back. I was told yes, but the amount would be pro-rated. A few days later, {$9400.00} appeared in my checking account. At the same time I applied for a personal loan from bank just to see what would happen. And low and behold I was approved for a {$10000.00} loan from my credit union and a much lower interest rate. I made arrangements with Lending Club to pay off my loan ASAP. On XX/XX/XXXX, my account was paid in full and I even paid some interest bringing my grand total paid to Lending Club {$10000.00}. I called the office and I was instructed that I would get my Loan Origination Fee refunded to me less the undisclosed pro-rated amount. The person I spoke with could not tell me how much I would get back but said it should be back in my account in a few days. Well much to my surprise, a week later, {$97.00} appeared on my checking account, apparently that was my refund from the Loan Origination fee. When I called and asked how this number was established the person on the phone said, " I will have to have someone call you back '' I never got a call so I emailed customer service and received the following response : " XX/XX/XXXX, XXXX PDT Hi XXXX, Thanks for contacting us. The methods we use to calculate refunds are proprietary information. Please let us know if you have any additional questions. You can reach us at XXXX or by calling us at XXXX Monday through Friday from XXXX XXXX. to XXXX XXXX., or Saturday from XXXX XXXX. to XXXX XXXX. Pacific Time.
Best regards, LendingClub Member Support '' Should n't they disclose how they are taking advantage of customer who chose to pay off a loan early? My loan was less than 30 days old and I lost {$560.00} to these crooks due to Proprietary Lending Techniques?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XXXX i wired an amount to a XXXX XXXX account. On XXXX I cancelled the wire to the XXXX XXXX account through PNC. XXXX I closed my PNC account due to fraud and opened a new account with PNC. XXXX wire from XXXX XXXX comes to my now closed account from the wire cancellation. PNC rejects the wire because the account is closed and does not notify of amount coming into my account. I see there is a wire deposit and then it has a wire outging amount as well. This was then removed from my new account eliminating the record. XXXX Call PNC to get situation rectified and end up hearing they can not do anything because the account was closed. XXXX XXXX can not help because I do not have the account and each side says the money is with the other bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
These people keep calling my mobile number and do not leave a message. They are using various XXXX area code numbers which is my area code. They are in South Carolina. I called the number to see what the name of the company is. I have no idea who they are or why they are calling and have never received anything in writing from them. Any debt I previously owed is over XXXX years old and past the Statute Of Limitations in Texas ( 4 years ) and not showing up on my credit report or has been charged off. I do not want to receive calls from this company again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-28 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: EQUIFAX, INC.
State: KY

Complaint narrative:
by XXXX deposit bank on XX/XX/XXXX I paid {$5000.00} on my account which would have been almost 12 payments which in term would have put me almost 12 months ahead. I continued to make my payments after this and I paid the loan off by XX/XX/XXXX. 
even though I paid ahead I was charged 35 late fees and counted as late even though I was a year ahead and I still made monthly payments. 

then XXXX XXXX and XXXX XXXX say I owe them money that I do n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: KY

Complaint narrative:
by XXXX deposit bank on XX/XX/XXXX I paid {$5000.00} on my account which would have been almost 12 payments which in term would have put me almost 12 months ahead. I continued to make my payments after this and I paid the loan off by XX/XX/XXXX. 
even though I paid ahead I was charged 35 late fees and counted as late even though I was a year ahead and I still made monthly payments. 

then XXXX XXXX and XXXX XXXX say I owe them money that I do n't.

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 2017-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have an issue with the Ultimate Rewards program. The first thing I see when I login on the left side is my Ultimate Rewards balance of XXXX total point as of this moment that I am writing this. Upon clicking on it, it displays the XXXX credit cards with their respective " current '' point balances and asks me to select one. After I select the card account that has XXXX points, I hover over to the top right where it displays XXXX points and then select combine points. On the combine points screen, I select to move XXXX points to the other credit card account with XXXX points. I then select the option to move all my points. After I press Review, on the next screen I click Confirm & Submit. Then I get the message " An unexpected error occurred. '' I called customer service today and spoke to XXXX. She said since the account was closed in XX/XX/XXXX, I had to have used my points within 30 days. I did not know that. If that really is the case, then why does it say that my " current point balance '' is XXXX points? If I am not allowed to use the points that I have earned then why does it say that those points are my " current point balance ''? She was not able to give a satisfying answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ

Complaint narrative:
In XX/XX/XXXX, I requested a copy of my full credit report, that 's when I noticed that they were inquiries on my report that I had not applied for ever. Since this came to my attention I have requested by certified mail onXX/XX/XXXX, from One Main Financial to provide me with copies of any documentation associated with this account bearing my, signature, authorizing an inquiry. Again I sen another certified mail dated onXX/XX/XXXX attempting a final goodwill gesture to allow One Main Financial to contact their erroneous reporting, and they did not do so. I also sent a certified mail to XXXX dated XX/XX/XXXX, and nothing has been done this stills continues to show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: Synovus Bank
State: MO

Complaint narrative:
First Progress Platinum Credit Card states I have a balance of {$250.00}. 

The Credit Card I have is a Secured Card with a Cash Balance of {$300.00} To Secure the Credit Card. First Progress never made a refund of the {$300.00} Cash I paid to Secure the Card. 

There for I should have a Refund of {$46.00} returned to me with a XXXX Balance. 

First Progress kept the {$300.00} and reported to all Credit Agencies that I owe them outstanding Balance of {$250.00} but they forgot to State they Kept My {$300.00} I paid in the Beginning to open the Account. 

I want an Investigation into the Fraud they have committed in keeping My {$300.00} I already paid them. 

In Conclusion I want them to report to all 3 Credit Agencies I have A XXXX Balance and a Refund of {$46.00} Owed Me. 

Waiting for a reply, XXXX XXXX XXXX Account Number Credit Card : XXXX expiration XX/XX/XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am currently in the process of trying to purchase a condo in XXXX. In order to do that I need to get a loan ( FHA/Conventional ). In talking with a couple of different companies ( XXXX XXXX, XXXX, XXXX ) this month ( XXXX XXXX ) to get a loan, they informed me my credit score was just below the threshold to get the loan. While investigating my credit report, I noticed there was a charge for {$320.00} with XXXX XXXXNeither XXXX XXXX or XXXX would identify who they were. However while talking with XXXX XXXX, they informed me that XXXX XXXX is a 3rd party collection agency. They informed me of this XXXX. Upon informing of this I placed a call to XXXX to verify what the debt they were trying to collect was for. They informed me it was for a debt on behalf of Brandsmart. 

So I spefically called Brandsmart XXXX to find out what debt is owed and if so how. After speaking with two different locations, I was redirect to the customer service department. Customer service department referred me to Synchrony Bank who handles all of Brandsmart 's payment/billing/processing/etc. I asked the representative do you have any paperwork, bills, anything showing that I owe this.I informed him that I have n't had an active Brandsmart card in 5 years because bill had been paid off. Then they deactivated the card due to inactivity. The representative could not provided any information either and referred me to XXXX XXXX who has the account for collection ( whom I have also filed a claim against ).

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 2017-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: E-Backgroundchecks.com, Inc.
State: TX

Complaint narrative:
On Friday, XXXX XXXX, XXXX I received a CFPB settlement check from E-Backgroundchecks.com dated XXXX/XXXX/XXXX, Check Number XXXX, Invoice Number XXXX in the amount of {$910.00} that would void if not ashed within 180 days of the original issue date. I called E-Backgroundscheck.com on Monday, XXXX XXXX, XXXX at XXXX CDT and spoke to XXXX XXXX who told me that they re unable to reissue a new check because the check was not cashed within 180 days. This check did not show up in my mailbox for nearly two years and I am requesting that a check be reissued since I was wrongly discriminated against on an employment application as a result of information that was wrongly provided by E-Backgroundchecks.com to a potential employer. I am requesting your help in getting this check reissued. I am also providing a copy of the check and cover letter that was mailed to me as supporting documentation. 
Thank you for your assistance XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
An account was opened fraudulently in my name with this company. I called twice before getting to speak with XXXX from the XXXX XXXX XXXX and explained to her that I was not the person that took out the loan. I then went to the office and asked for a copy of any documentation that was used and that I would sign an document stating that I swear to not opening the loan. She then told me that they could not find the check or any documentation and the loan would be absolved. I think continued to request a copy of the paperwork and after more than 30 days, I have not received any documentation and the account has been added to my credit report. I have disputed the account and send formal written letters to the company headquarters and still no paperwork has been sent and they verified the account with XXXX XXXX stating that the account was valid. I have not been able to reach anyone to get any information and XXXX XXXX will not dispute the account again until after a wait period.

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 2017-08-28 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: NJ

Complaint narrative:
I researched the American Express Blue Cash Preferred Card and everywhere I checked it is advertised as {$0.00} fee for the first year and then {$95.00} after that. I signed up for the card and Amex billed me for this and is refusing to honor this because they are saying I did n't apply for that offer. That is the primary reason I signed up for the card.

Company response to consumer: Closed with explanation