vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
When my concerns about my Costco Citicard credit card initially arose a couple of weeks ' ago, I decided to allow a little time for all posted/pending transactions to register in my Costco Citibank credit card account. 
Unfortunately, the perplexing situation, whereby erroneous account balance as well as available credit balance information continues to be a problem today, Monday, XX/XX/2019. Citibank continues to provide inaccurate actual balance and available credit information, continually abusing me, for instance, while at the same time actively involved in unfair and/or unjust practices, banking practices, for example. After my last Costco Citibank credit card payment at an Citibank ATM kiosk, my balance was incorrect ( I, too, realized that perhaps there was a chance that some previous credit transactions had not registered into my Costco Citibank credit card account yet or at least had not registered in a timely manner ). This has been an ongoing problem with Citibank, as often times, Citibank 's automated system/ATM kiosk does not provide up-to-date and/or accurate information. The automated telephone system recently stated that my available credit was approximately {$400.00} an approximate amount less than the actually available credit amount. The deduction of approximately {$400.00} is not shown as a transaction either, making this crime difficult bto track, for example. Essentially, this is someone attempting to steal, a possible scam, a situation that disallows me from accessing all those funds available to me? This scenario is dirty, and again, particularly due to the fact that one ( 1 )  transaction for approximately {$400.00} is not apparent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: STATE FARM BANK, FSB
State: TX

Complaint narrative:
none of the credit bureau have my number on the fraud alert XXXX aslo state farm is not showing on my get credit with XXXX it showed before and XXXX XXXX also XXXX XXXX   taking more than 30 days for my dispute and XXXX wont let me look at my credit even when i tried paying

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion removed an account with XXXX XXXX XXXX that I never disputed from my credit report. I would like to know how this could happen. 

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 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I applied for a credit Line increase on my XXXX Double Cash Card. I have been a card holder for almost a year with a stellar payment history. I have exceptional credit, high score, very low utilization and not XXXX blemish on my report. My income is excellent as well. 

My request was denied via the e communications on XXXX website stating that I have too few valid credit references. This information was provided by Equifax. This is categorically incorrect. 

I contacted both Equifax and XXXX. Equifax indicated that they can see my entire credit file and I have excellent credit file, many credit lines and a perfect payment history. Also, they said that I do have a large credit file and perhaps transferring data to creditors has become an issue. I have to believe this is the issue since my decline was based on having to few credit references. 

When speaking to XXXX, my interaction with their rep was one of a dismissive posture. I explained Equifaxs issue with my credit file and that I have an extensive credit history, and excellent credit and it was outrageous to get a decline based on having only a few references. I asked could if she could pull either of the other Bureaus and she said no and that the Federal Government dictates what credit bureau can be used. Her hands were tied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: TX

Complaint narrative:
none of the credit bureau have my number on the fraud alert XXXX aslo XXXX XXXX is not showing on my get credit with experian it showed before and XXXX XXXX also Experian XXXX taking more than 30 days for my dispute and experian wont let me look at my credit even when i tried paying

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15 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: FL

Complaint narrative:
See attached documents from XXXX XXXX/ XXXX XXXX credit card services, in reference to this fraudulent account that has been disputed several time with all 3 credit bureaus and also reported to Identity Theft. XXXX has already deleted this account by XXXX XXXX by their investigation and also sent me an updated credit report via mail. I am requesting for Equifax and XXXX to remove this account from my credit file immediately. This account was opened unauthorized and is damaging my credit file. See attached documents from the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I was denied a credit card with American Express on XX/XX/XXXX ref #  XXXX I was denied due to an acct opened in XX/XX/XXXX and cancelled in XX/XX/XXXX for bankruptcy. That was 17 years ago. American Express says it will issue me a new card if I repay the XXXX XXXX dollars relieved through XXXX XXXX bankruptcy court. I believe this is both illegal and discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: CO

Complaint narrative:
I tried to freeze my credit today, XX/XX/XXXX with Experian and their online tool says they are unable to perform this action based on the information I have given, which is everything they ask for. I then tried to call them directly to perform this action over the phone and all they have available is an automated system that walks me through the same information collection and then tells me that I will need to mail in a request. The online tool also demands that I mail in a request. The information they request to be mailed in is everything a potential criminal would need to assume my identity. The address I must send the information to clearly states that it is going to the credit freeze department of Experian which means that any savvy criminal could intercept this letter and use the included information to assume my identity and wreak havoc on my life. Per the ruling of XX/XX/XXXX I have the right to freeze my credit for free. XXXX and XXXX  make this possible via online and phone. Experian is clearly trying to avoid people freezing their credit and working with consumers by making the credit freeze pathway too onerous/difficult. Their online and phone pathways are nothing more than a gesture to fulfill a government requirement and do not actually provide a safe path for protecting one 's credit and therefore Experian is in violation of the law. Experian should be forced to provide a safe online or phone pathway to freeze one 's credit just as XXXX and XXXX   provide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Riverwalk Financial CORPORATION
State: IL

Complaint narrative:
the name of the company id like to complain about is riverwalk financial.I received several misleading phone calls regarding my federal student loans. XXXX is currently the holder of my student loans and they are currrent and in forbearance. I spoke with one creditor who was very crafty with his words and he sent me some documents that i really didn't understand and i sent them back. He told me it was a program for school loan consolidation and i told him i am current and in forbearance. This company is now calling me all hours of the day and demanding payment when i told the person on the other end of the line that i was in forbearance and unable to make payments at this time. Considering my loans are already in forbearance I thought nothing of it and continued on with my life as usual. Since XXXX XXXX i have been receiving harrasing phone calls demanding payment. when i explained that i am in forbearance and do not have to make payments to a XXXX party the gentleman said that he didn't care, if i do not make payments that it will get sent to collections and go against my credit report. i told him what he was doing was not fair and he basically told me there was nothing i could do about it even if my loans were in forbearance i still owe riverwalk financial institution their payment. i received a message on my banking app that my credit score drop from a XXXX to a XXXX overnight. i feel like this is a scam and are trying to make me pay them instead of my loans and i'm not sure where the money is actually going because my federal student loans are current and in forbearance.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Instituted credit freeze at Transunion 2 years ago. Bought a new car from a manufacturer that used Transunion and was unable to unlock report. Transunion unhelpful in getting report unlocked. Almost like I was being punished for locking my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: MO

Complaint narrative:
The following accounts are incorrect and should of been removed from my credit file long ago. The accounts are fraudulent due to the theft of my identity and one presumably became me. These accounts has already been identified as fraud but still reporting on my credit report. Please remove the following accounts. [ 1 ] XXXX XXXX XXXX   {$4400.00}, [ 2 ] 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 2019-07-15 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: MO

Complaint narrative:
The following accounts are incorrect and should of been removed from my credit file long ago. The accounts are fraudulent due to the theft of my identity and one presumably became me. These accounts has already been identified as fraud but still reporting on my credit report. Please remove the following accounts. [ 1 ] XXXX XXXX XXXX   {$4400.00}, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My husband XXXX opened this account and added me as an authorized user. I am not financially responsible for this account and now that it charged off its hurting 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 2019-07-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/19 I attempted to contact the company regarding an unfair late fee and interest I was charged. On XX/XX/19 I had a bill for {$590.00} due and submitted my payment on XX/XX/19, but they did not process or consider processed until XX/XX/19. I was then charged a late fee of {$150.00} plus interest on it. I feel that the {$150.00} late fee is beyond unfair when I have always paid my balances in full. I asked if the fee could be waived and they told me nothing other than why there was a late fee on XX/XX/19 from XXXX XXXX. on XX/XX/19 I was then told the late fee could not be waived because it was waived prior. I re-explained that yes it was waived 2 times before but not to my fault. Previously I had submitted a payment in which you all said that it was rejected from my bank. My bank never rejected it and they wrote a letter stating such and I did a wire transfer for payment immediately to correct while I was out of town. It took you all a while to waive the original late fee which then caused a 2nd late fee and that is why 2 late fees are shown as waived, but due to no fault of my own. The same day they told me that the fee would no be waived I was told I needed to email a separate email to close the account. On XX/XX/19 I sent an email asking for the account to be closed and got a response from XXXX XXXX asking why I wanted to close my account. I told them why and on XX/XX/19 she responded stating she would close the account. Since then I have emailed several times to verify that the account is closed and if the balance was waived or owed or what and I can get no response. In addition if anything has been reported negatively to credit I would like it reversed, as I can no get into my account online and I have gotten no response to verify the account is closed and if they waived anything or a balance is owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
NewRez financial has applied an escrow account that I have not applied for or authorized. I have tried to call the company multiple times to have it removed. Each time they advised they will remove the additional charges and they have not. My mortgage is still {$150.00} more per month than what we originally agreed to.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
I was supposed to get my disbursement funds on XX/XX/2019, according to the contracted paperwork signed by everyone involved. As of close of business XX/XX/2019 I had not received my disbursement funds to my bank account via wire transfer. Friday afternoon I did call XXXX XXXX? and USAA and My Bank to find out where my funds were at? They all blamed each other. XXXX XXXX  had my money, but blamed USAA for the late delivery, USAA blamed XXXX XXXX because they had the money, XXXX XXXX blamed XXXX Bank because they had " special needs '' wire transfer. I vocallay argued with USAA the fact that XXXX XXXX wanted to hold my funds for the weekend and this should be illegal. They said it is, but I told them, " I bet you I don't see my funds until Monday morning because they want the interest off the of it '' and that's exactly what happened. Monday morning boom ... there is my cash in my account. Magic. Also ... the lack of information from USAA to the consumer are astounding. I still have to idea about my escrow accounts. One of the loan officers I dealt with stated that I did not pay closing costs, they were rolled into the refinance. That means I am paying for them. I'm at a loss right now with USAA/XXXX XXXX and whoever else was involved ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC.
State: SC

Complaint narrative:
The Company ECMC contacted me in XXXX with a debt that they indicated i owed for loans at a school i did not attend in XXXX, S.C. I indicated that they needed to stop the procedure of garnishing my wages because this was NOT my debt. They filed papers to garnish and eventually took {$2400.00} within the time frame of a job that i left because i felt i did not owe the debt and did not know how they were able to legally do this. I wrote this company twice with the 2nd in repsonse to them trying to track down another opportunity to garnish my wages ; in response, i wrote a certified letter indicating my actions that i would take, this was done on XX/XX/XXXX. I had not heard back from them until i got a notice regarding my debt with my credit score and noticed that they closed my account with them. I am not seeking legal counsel on my own to sue the company but am asking on my behalf with this complaint that the company reimburse the money that they took illegally from 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 2019-07-15 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: FL

Complaint narrative:
See attached documents from XXXX XXXX XXXX XXXX credit card services, in reference to this fraudulent account that has been disputed several time with all 3 credit bureaus and also reported to Identity Theft. XXXX  has already deleted this account by XXXX Bank by their investigation and also sent me an updated credit report via mail. I am requesting for XXXX  and Esperian to remove this account from my credit file immediately. This account was opened unauthorized and is damaging my credit file. See attached documents from the creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Barclays Aadvantage Card offers a list of BENEFITS on their website including Flight Cents which rounds up miles earned. But it is NOT a BENEFIT, it's a SALES of Miles program that charges the card holder. So Surprise -- - my statement showed a Fee. I turned off this program on their website but was charged again. The customer service people refuse to turn it off, saying it must be done on the website. 

They will not Turn this FEE off and will not reverse the charges and will not provide a contact phone number to speak with anyone else.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
My wife applied for a car loan from XXXX XXXX XXXX and needed a co-signer which I agreed to do. However, the dealer put this loan in my name which I did not authorize. I didn't sign anything and wasn't even present during this deal. The car they sold us was a lemon which explains why they were trying to rush this through. 

The loan, which started on XX/XX/XXXX, is through Credit Acceptance. They and the dealer have acknowledged that this is  an illegal loan and told me to return the car to the dealership which i did on XX/XX/XXXX. The dealer has since relisted the car. I contacted Credit Acceptance multiple times to get this illegal loan out of my name and they are telling me they can't until the dealer releases the loan. Why does a bank, who's financing this, need to wait dealer to terminate the loan? And if this loan is still technically in my name, how is it that XXXX XXXX XXXX has it relisted for sale?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
this issue was identity theft resolved with citi years qgo.

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