vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-30 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: NC

Complaint narrative:
In attempting to secure a mortgage, I have been closely monitoring my credit report. On XX/XX/XXXX Citi reported a balance on a card that I have on them. Since XX/XX/XXXX, I have made a multiple payments in the amount of {$1600.00}, {$250.00}, {$1300.00}, {$1500.00}, {$1400.00} and {$95.00} to payoff the balance on the credit card as well as maintain the zero balance. As of today, XX/XX/XXXX, Citi has not reported to any credit bureau since then, while telling me it is there policy to report every 30 days. The first agent that I spoke to stated that my information was reported " accordingly '' since the inception of the account. When asked what " accordingly '' meant, he stated multiple times that it was every 30 days. Upon counting 30 days fromXX/XX/XXXX with the agent, we concluded that an update should have been sent on XX/XX/XXXX. At this time XX/XX/XXXX, I have paid for a credit report daily from the three agencies to see if Citi has provided the updated score so my lender is able to pull my final credit to close on my house. To this date, Citi has not provided the updated score and customer service was not able to provide any resolution that was timely. The first option provided to me was that I mail a letter to the credit risk department but was not provided with what the credit risk department could do or how they could help. When asked what I should include in this letter, I was told to " just explain my problem. '' This felt like, send your issue off into oblivion so I can hang up and move to an easier call. Secondly, the supervisor told me that she could open a dispute directly with the agencies but I have already done that and this would take 7-10 days to see if the agencies have anything to say. ( This does not make sense as the agency is not responsible for Citi reporting my score and the agenices have already told me Citi has not sent an update since XX/XX/XXXX ). Finally, she said she could have the credit team push my updated information but it would take 30 days for that to appear. If this were the case, it would take Citi 68 days to update to the agencies, after promising they update accordingly, every 30 days. The irony here is that it doesn't take 30 days to show a new line of credit when opened with Citi but yet it takes 30 days to report a zero balance and a several thousand dollar increase in a credit limit.

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 2018-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
XX/XX/XXXX I contacted XXXX XXXX to have my direct loan transferred to qualify for student loan forgiveness. I am a XXXX XXXX with XXXX XXXX XXXX ( XXXX, OH ) and have been paying my loans on time since XX/XX/XXXX. I believed I would qualify for student loan forgiveness based on the fact that my student loan payments increased yearly. I believed I was on the correct payment plan. I was never told by XXXX XXXX that I wasn't on the correct plan. When I transferred to XXXX XXXX they also didn't tell me, my loan payment dropped to $ XXXX. I thought it dropped because I qualified for student loan forgiveness and they were reducing my loan payment because I would soon be done with paying my loans. I didn't realize I would not qualify for student loan forgiveness until XX/XX/XXXXafter I  called XXXX XXXX  asking when my loans would be discharged. I called XXXX XXXX and was told I would have to change my loan repayment plan and it would take another 10 years of payments to qualify for student loan forgiveness. I WAS DEVASTATED, IN TEARS!!! That would be almost 30 years of payments. There needs to be better communication from the loan companies, I had no idea I was on the wrong plan. I was told by XXXX XXXX nothing could be done even though I've been faithfully paying my loans on time for almost 17 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: NY

Complaint narrative:
Two weeks ago Citibank stole over 1 million of my and my wifes XXXX XXXX, which were earned over a 40 year relationship with the bank, by closing our credit cards without notice. Citi asserts that once a card is closed the points are forfeited. But we did not close the cards! We were completely blindsided and were not offered an opportunity to access our points prior to their shocking action in terminating our cards without notice. Despite having absolutely clean credit records compiled over 40 years of banking with Citi, we were neither given a reason nor the ability to challenge whatever faulty logic they used to cancel our cards and usurp all the points we had earned over a lifetime of business with Citibank. It is appalling, and wrong, for Citibank to confiscate assets without a ) providing a specific reason, b ) allowing for a prior discussion to prevent wrongful closures, whose impact negatively affects consumers and c ) most importantly, does not allow consumers to access and dispose of their hard-earned points prior to a secretive analysis by a bank to close accounts. We can demonstrate that the value of the over 1 million points Citibank stole easily exceeds {$50000.00}. The combined annual fees on the cards Citibank closed approaches {$2000.00} ; Citibank has not offered to refund those either. Further, Citibanks precipitous action has harmed our near perfect 45 year credit history, which will cause irreparable harm to our finances. Without appropriate and immediate relief, we will pursue every avenue to recover substantial damages from this wanton act by Citibank in closing our credit cards and seizing our valuable Thank You point assets.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
XX/XX/2018 XXXX. 
This is the third time this robocall system has called. 
This number is a government office - not assigned to an individual Call from XXXX Harris & Harris Ltd. 
Call to XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: NM

Complaint narrative:
On or around XX/XX/2017 I attempted to make a payment on my credit card with Navy Federal credit union. I recently switched banks from Navy federal to XXXX XXXX in mid XX/XX/XXXX. When attempting to make a payment i was only aware of one XXXX XXXX account linked to my Navy federal account, which was the account I used to make a payment on my Navy federal credit card. The problem is, is that Navy federal attempted to make that payment with a closed account that was linked to my Navy federal account from nine years ago. I was never Notified via Email which is what XXXX XXXX the business operations specialist is claiming their form of communication had been done through, however after speaking with a representative at the branch they stated my email notification was turned off and was not able to send an email. I also never received notification through my online banking which is another form of communication aside from email. It was not until mid XX/XX/XXXX that I got notification and that was not from Navy Federal that was from XXXX XXXX   showing that I had a late payment after my credit score dropped 65 points due to them reporting a late payment. I have tried to make this right and get down to the bottom of this misunderstanding with Navy Federal but they are not willing to fix this. I was told they were sending me a letter explaining why they could not fix this and still after 12 business days have yet to receive any form of communication regarding this matter with Navy Federal other then their initial response stating they sent an email notification when this first took place.This is my second complaint I have filed with CFPB regarding this matter. Navy Federal has taken no responsibility and refuses to make this right. Complaint Number from First complaint XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: NE

Complaint narrative:
I do not have an account with this 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 explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Layfayette Funding

Complaint narrative:
This is a complaint about a misleading advertisement from Salvation Funding. the attached advertisement was targeted to my elderly mother ( XXXX years old ), in the form of a check. the solicitation does not have the required federal disclosures, no APR, no NMLS #, and is miss-leading. These type of companies need to stop soliciting the elderly that can be taken advantage of. 

XXXX XXXX XXXX this website said that consumers are not given a loan but provided an attorney to get debt relief. 

very misleading and needs to be stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I signed up for a trial of the XXXX XXXX service on XX/XX/XXXX. Their terms state that there would be no billing if canceled within 30 days. Because I did not see value in the service, I canceled on XX/XX/XXXX ( and have an email from them confirming this ), but I was billed {$24.00} on XX/XX/XXXX. At this time, I logged into the Experian website and removed my credit card information, but then they somehow billed me *AGAIN* for {$24.00} on XX/XX/XXXX Fortunately I am very proactive about monitoring my credit card transactions ... I would imagine that there are many people who they're billing without authorization who never even notice. Whether it's intentional or due to ineptitude, there is zero excuse for a company of this size to be doing these kinds of things. Even more troubling is that I removed my credit card information from their site after the first unauthorized billing, so it's clear that they are continuing to store my financial information against my wishes. Please look into this. Also, please note that I have already filed disputes with my credit card company ( XXXX XXXX ) and will get the money back from them, so I don't need a refund but am instead hoping that you look into potential widespread unauthorized/over billing practices on the part of Experian. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: DISCOVER BANK
State: CT

Complaint narrative:
I applied for a Secured Discover It credit card  in XX/XX/2018 and paid a deposit of {$500.00}. This is the exact webpage I clicked the " Apply Now '' link when I applied : https : //www.discover.com/XXXX The title of the webpage is " The Discover it Secured Credit Card '', It claims you get " 2 % cash back at restaurants or gas stations on up to {$1000.00} in combined purchases each quarter. Plus 1 % cash back on all other credit card purchases. '' As an aside : Discover offers 2 main types of cards with different rewards programs : 1. ) " Discover It '' - which offers 5 % back on different categories each month, 1 % on everything else 2. ) " Discover It Chrome '' - which offers 2 % back on restaurants and gas, 1 % on everything else At no point on the entire webpage where I applied is the word " Chrome '' ever written once.

I applied for this card and gave them my {$500.00} deposit, under the auspices that this secured credit card offered the conventional " Discover It '' card benefits ( notably the 5 % cash back on rotating categories ) in  addition to the " 2 % cash back at restaurants or gas stations '' being offered on the application page. 

Only today did I learn that I don't in fact have the " The Discover it Secured Credit Card '', like the web-page I applied to says I would, but rather I have a " The Discover it Chrome Secured Credit Card '', which comes with the 2 % but no rotating 5 % back categories. I was offered an oppurtunity to switch to the " It '' card, but was informed that if I did so, my new " Discover it Secured Credit Card '' would not have the 2 % benefits explicitly stated in their " The Discover it Secured Credit Card '' webpage. 

Essentially the website conveniently lied about the name of the card they were advertising and what you actually are capable of getting in rewards is much less than what they are explicitly offering on the application page.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I have a copy of my checking account through federal clearing house that showed my account number was an in-correct number as entered. My account had sufficient monies in it but payments were refused according to PayPal Smart Connect & XXXX XXXX for months through my account. Damage has been done to my credit so I am being refused credit. 
This action took place by the both named above in XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Despite numerous called to them I could not get any understanding to listen to my story until I was able to receive copy from XXXX XXXX XXXX in XX/XX/XXXX. The Connecticut Banking Commission gave me your address. 
The XXXX XXXX Financial name ( which ever one would choose to use ) is now being used in my other accounts, accounts controlled by them, & may be a way to frighten me? 
These other controlled accounts are not nor should be of concern is the way I see it for them. 
I want PayPal account paid in full with corrections made to 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 2018-03-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF THE WEST
State: CA

Complaint narrative:
During the loan origination process I requested the due date to be XXXX of each month. The loan documents were drawn and the date was set for the XXXX, however I was assured the due date would be changed. The date was not changed and starting on the XXXX of every month I receive numerous calls about being past due. I have requested the date be changed as promised but have been told the account is past due therefore it can't be completed. This is just a method to be able to access a late fee in the amount of XXXX. I want the due date change as promised and all late fees waived.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC

Complaint narrative:
Hi, I have a account with XXXX  ( XXXX ). I started using XXXX since XX/XX/XXXX, for good 3 months. There isn't any problem from their side. 

However, I received an email on XX/XX/XXXX saying that my account has be be closed. They give me 5 days of time to withdraw my Bitcoin, Ethereum and USD from the receipt of the email. I tried email and ask for reason and try to cooperate with them. 

Sadly, they replied saying that they will not elaborate on any specifics of the decision. I am a XXXX registered customer and I did not break any rules from their terms and conditions. I depend solely on XXXX to trade on virtual currencies, having my account closed has been a big deal to me. They might just lose a customer, but the loses I carry is much more. As of right now, I cant access to my account as it was closed. 

This is not fair. I hope CFPB can help me solve my problem and have my account activate back ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: National Credit Systems,Inc.
State: CO

Complaint narrative:
On XX/XX/2018 XXXX XXXX XXXX XXXX sent me a letter to settle the Collection for {$2300.00}, which is the Original Amount. I had until XX/XX/XXXX to pay the Account in Full. The Account was paid in Full XX/XX/XXXX. I Received the Letter stating Paid in full. ***NOW***Credit Systems who had the Account, will not change the Balance to XXXX and Paid I Full. When I asked they said to Call XXXX XXXX XXXX said I have the Letter and they should change the Balance to XXXX. Called National Credit Systems and  they said FLAT OUT NO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc
State: NE

Complaint narrative:
I do not have and account with this 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 explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I initiated a transfer of XXXX to XXXX ( XXXX with fees charged to my credit card ) with Western Union. Transfer number XXXX. The transaction was put on hold by the Compliance Department at Western Union and they sent an email asking for a copy of a valid government ID and other personally Identifier information. I refused to provide this information becase western Union did not provide a secure way to send them this information. I think it is irresponsible from Western Union to ask for sensitive information via email, without an encrypted channel to protect that information. For that reason, I requested the transaction to be cancelled, but they are saying that they will only cancel it if I send them the documentation they have requested. Bottom line, Western Union is negligent and irresponsible, and their procedures do not make sense. They are risking their clients data by asking for sensitive information and not providing a secure channel to send that information. It seems that the information security department at Western Union is non existent or completely incompetent. I need my money to be refunded to my account without having to expose my information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
PORTFOLIO RECOVERY Complaint Department XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I am writing to dispute the following information that your company provided to XXXX XXXX. 
The item Reported is a Collection/Charge Off in the amount of {$370.00}. This item is being disputed as an incomplete and inaccurate amount because I do not owe this company {$370.00}. 
PORTFOLIO RECOVERY has reported on my credit report that there is No Reported account type, No Reported date of last payment, No Reported amount past due, No Reported Monthly Payment, A " Highest Balance '' of : {$180.00}, an Available Credit Limit of : {$300.00} and a Credit Used at : 0 %. 
The amount of {$370.00} is incorrect, inaccurate, and incomplete on this account. 

The Date of this account says closed on XX/XX/2012. 
I have no record of owing the amount {$370.00} to this company. I am requesting that PORTFOLIO RECOVERY have the item removed to correct the information. 

I would also like to request that PORTFOLIO RECOVERY stop calling me and harassing me about this debt. Please reinvestigate this this matter and contact the national credit reporting companies to which you provided this information to have them correct and delete the disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: Stokes & Wolf, P.C.
State: CO

Complaint narrative:
On XX/XX/XXXX Stokes & Wolf PC sent me a letter to settle the Collection for {$2300.00}, which is the Original Amount. I had until XX/XX/XXXX to pay the Account in Full. The Account was paid in Full XX/XX/XXXX. I Received the Letter stating Paid in full. ***NOW***XXXX XXXX who had the Account, will not change the Balance to XXXX and Paid I Full. When I asked they said to Call Stokes and Wolf said I have the Letter and they should change the Balance to XXXX. Called XXXX XXXX XXXX and they said FLAT OUT NO.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief