vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear Sirs, My name is XXXX XXXX XXXX, I have a Citibank XXXX XXXX XXXX credit card and in XX/XX/XXXX I received an offer that if I opened a checking account at XXXX I would receive XXXX bonus miles from XXXX XXXX XXXX program. 
So I did- account number XXXX routing number XXXX Citi Priority XXXX XXXX XXXX XXXX XXXX 

In order to have the miles credited in 4 months, there would be some rules ; Keep a certain amount of money for 3 months in the account, spend {$800.00} dollars in the first month using the debit card, register payments to the account, etc. 

I did all the steps and to really understand the rules I also called 3 different times Citibank and spoke to different agents about the promotion, asked questions, if I was doing everything right and all agents that I spoke to confirmed that everything was correct. If the calls are recorded, there is proof of the questions and answers. In XX/XX/XXXX the miles should have been credited in my account. 

Yesterday, XX/XX/XXXX, I called again because the miles werent credited and for the first time the person who assisted me let me know that the step that I had to pay bills through Citibank should be done through a Citibank channel, not only add payments thought XXXX, click pay, my insurance company etc so the miles wouldnt be credited at all because I missed this step!!!! 

I was very upset with this information, of course. I was misinformed in all my calls to Citibank, I just open the account because of the promotion, I went to a Citibank agency to speak in person to a banker, he said that because I opened the account online he couldnt help me, I had to talk over the phone. 

I had to pay a {$30.00} dollars fee per month in order to maintain the account, so this promotion only took my money, my time over the phone, mislead me with wrong informations and in the end no miles, just disappointment. 

If you would check the calls and the steps in my account towards the promotion you will see what I am talking about. 
I hope someone cares, I hope Citibank honors the promotion on my behalf and share the responsibility for the step I did wrong because everybody I talked over the phone made me believe that everything was correct. 

Please, I would like your help to know how do I proceeded in order to open a Claim about this matter. 

Thank you, XXXX XXXX. 
Phone : XXXX XXXX Email : 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 2022-03-03 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: GA

Complaint narrative:
Hello my name is XXXX XXXX, I am writing because TransUnion credit bureau, refusing to delete fraudulent items from my credit file. I have written them several times via certified letters, however I dont get a response in the allotted time, or TransUnion would tell me they cant verify my identity though I attached my state Drivers license and a copy of my social security card. Or XXXX will send a response accusing of me using a credit repair company, which is certainly not true.

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 2022-03-03 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: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

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 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
TransUnion is in violation of 15 USC 1681b ( a ) ( 2 ) which states that I the consumer have to give TransUnion written consent to furnish anything on my consumer report. I XXXX XXXX the consumer never gave TransUnion any written consent to furnish anything on my consumer report. No consent is Identity theft. 
Pursuant to 15 USC 1681 ( a ) ( 4 ) I the consumer have the right to privacy. My privacy has been breach because TransUnion continues to furnish these inaccurate accounts that I never gave them any consent to report on my consumer report. There is no such thing as public records for a consumer. 
I have attach the response I sent to TransUnion below.

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 2022-03-03 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: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

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 2022-03-03 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: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: VA

Complaint narrative:
No consent is identity theft. I, the consumer never gave XXXX XXXX any written consent to report anything on my consumer 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 non-monetary relief
Consumer complaint received 2022-03-03 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: VA

Complaint narrative:
No consent is identity theft. I, the consumer never gave XXXX XXXX any written consent to report anything on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: MoneyLion Inc.
State: AP

Complaint narrative:
I was late on a money lion loan for a few months, in XXXX I paid off the overdue balance for my loan and then I noticed my credit report said it was charged off. Immediately I contacted the help desk and they told me I had no loans charged off or with collections ; then I got a notification that I had a new loan ( I did not consent to this ) again I check in and they said I had one open loan. I since paid it off and asked money lion to reflect on my letter that it wasnt charged off, but they ignore my request and told me to wait for 30 days. They havent addressed my issue, and my XXXX complaint went nowhere- please help me! I have read horror stories about money lion and Im scared.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: FL

Complaint narrative:
I have an old XXXX account that was closed after not paying on it for some time. It was taken off my credit report too. 

A new company bought the bad debt and is trying to collect on it. I sent a letter. I also believe I spoke to someone before. The phone calls stopped but I am still getting a bill for this even though I refuse to pay on something that is extremely old and not even on my credit report. 

I just want to the bills stop from coming in. I wrote to them nicely last time about it, but I dont think they are going to stop. 

Is this considered harassment or not? Are the entitled to send me a bill that is clearly outdated.

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 2022-03-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXXXXXXBalance {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COAST PROFESSIONAL, INC.
State: NC

Complaint narrative:
I was involved in a vehicle accident in XXXXas a result I ended up having XXXX XXXX.I have had no problems with my XXXX  at all.This matter was handled by my attorney and he has the letters that state my debt was paid in full with a zero balance as soon as the insurance company paid we paid all debts owed.Now 4years later the Dept of Treasury Bureau of Fiscal Service has come back saying I owe them $ XXXXThis is money they are stealing from me for something I do not owe.They have determined that the things they are charging me for are related to my accident.However nothing they have is in any way shape or form connected to my accident.XXXX  is XXXX XXXX XXXX XXXX -- XXXX XXXX  is XXXX XXXX  -- XXXX is a XXXXXXXX XXXX XXXX XXXX XXXX..and as far as the XXXX  XXXX you can look and see it is for my XXXX.I was diagnosed with XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) in XXXX and had my 1st XXXX  XXXX then.they are replaced or opened up every so often..as for the XXXX XXXX XXXX I have XXXX  and anybody with common sense knows it doesn't get better..none of these things are related to my accident and my attorney has filed a dispute but they just continue to take the money and then change collection agencies..I am XXXX and on a fixed income and they have already taken money since XX/XX/XXXX at over {$150.00} dollars a month ..it hurts and they won't try to fix it..we have the documents to prove what we say but they just ignore it..I didn't know what else to do..the document attached shows the original date from XXXX plus the date they sent the first letter XXXX4 years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: NC

Complaint narrative:
Equifax updated the XXXX XXXX account showing I have a balance of {$320.00} but that is incorrect. The last report from Equifax shows XX/XX/2022 on the credit report. The actual current balance is {$15.00} due to the interest and annual fees. Would you please assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, I purchased from American Express Travel 4 multi-city tickets from and back to XXXX XXXX XXXX with XXXX. I paid {$2200.00} for each ticket. We were to depart on XX/XX/XXXX, and to return on XX/XX/XXXX. Due to COVID-19-related travel restrictions, I canceled the tickets on XX/XX/XXXX. Starting in XXXX of XXXX, I have been calling AMEX XXXX and XXXX to inquire about a refund. XXXX would refer me back to AMEX because I had paid for my tickets to them and not to XXXX. In turn, AMEX told me that I should try to get a refund from XXXX because the airline had taken " ownership of the reservation ''. 
In XX/XX/XXXX I placed a dispute for the purchase price with AMEX, for which I received a credit. I was charged for the four tickets again in XX/XX/XXXX. A second dispute between XXXX and XX/XX/XXXX had the same result. 
In XX/XX/XXXX, I was able to speak to an AMEX Travel supervisor called XXXX. She got in contact with XXXX and told me that XXXX would issue the refund and that it would take up to 12 weeks to show up in my statement. A refund for two of the tickets appeared on my statement on XX/XX/XXXX. On or about XX/XX/XXXX ( about 15 weeks after I was told the refund could take up to 12 weeks ) I called AMEX again. The supervisor tried to get me to solve the situation with XXXX. I told him that we have already done that and that a partial refund had already been issued. My last communication with AMEX was via email. AMEX acknowledged that XXXX issued the refund but that there was no date for the credit to appear on my card. As of XX/XX/XXXX, AMEX has not refunded me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AP

Complaint narrative:
I was late on a XXXX XXXX loan for a few months, in XXXX I paid off the overdue balance for my loan and then I noticed my credit report said it was charged off. Immediately I contacted the help desk and they told me I had no loans charged off or with collections ; then I got a notification that I had a new loan ( I did not consent to this ) again I check in and they said I had one open loan. I since paid it off and asked XXXX XXXX to reflect on my letter that it wasnt charged off, but they ignore my request and told me to wait for 30 days. They havent addressed my issue, and my XXXX complaint went nowhere- please help me! I have read horror stories about XXXX XXXX and Im scared.

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 2022-03-03 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: EQUIFAX, INC.
State: AP

Complaint narrative:
I was late on a XXXX XXXX loan for a few months, in XXXX I paid off the overdue balance for my loan and then I noticed my credit report said it was charged off. Immediately I contacted the help desk and they told me I had no loans charged off or with collections ; then I got a notification that I had a new loan ( I did not consent to this ) again I check in and they said I had one open loan. I since paid it off and asked XXXX XXXX  to reflect on my letter that it wasnt charged off, but they ignore my request and told me to wait for 30 days. They havent addressed my issue, and my equifax complaint went nowhere- please help me! I have read horror stories about XXXX XXXX  and Im scared.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: Experian Information Solutions Inc.
State: AP

Complaint narrative:
I was late on a XXXX XXXX loan for a few months, in XXXX I paid off the overdue balance for my loan and then I noticed my credit report said it was charged off. Immediately I contacted the help desk and they told me I had no loans charged off or with collections ; then I got a notification that I had a new loan ( I did not consent to this ) again I check in and they said I had one open loan. I since paid it off and asked XXXX XXXX to reflect on my letter that it wasnt charged off, but they ignore my request and told me to wait for 30 days. They havent addressed my issue, and my XXXX complaint went nowhere- please help me! I have read horror stories about XXXX XXXX and Im scared.

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 2022-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I filed for an over XXXX homestead exemption last XXXX when I turned XXXX so I was expecting a decrease in the taxes and mortgage payment due to this. Mid XXXX I still did not receive an analysis. I have called everyday since then with a different excuse from that department. I received an email that stated my new payment, effect XX/XX/XXXX was XXXX yet the website to make the payment still states XXXX An over of XXXX was to be received from Chase by Last Friday still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
The Cares ACT has been extended Wells Fargo is charging late charges when they are supposed to be waiving them while the COVID period is in place. I have been impacted by COVID I make the payments on the account but they are being made late due to COVID.

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 2022-03-03 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and I never received a notice stating the investigation would take longer. I sent the disputes out on XX/XX/XXXX, and the 30-day demand to comply letter out on 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 2022-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
Good morning, On XX/XX/XXXX I actually paid off my mortgage that was held by Shellpoint Mortgage Service and they have not sent me Release of Security Deed. I have called the company and sent letter concerning the issue. They did receive the money and stated that in error it was allocated incorrectly, and will correct it still have not been done and they are billing me as though the loan was never paid off. 
Had my attorney sent them official letter XX/XX/XXXX and still no satisfaction. 
I did receive a letter from Shellpoint Mortgage about loan mortification and my loan being in default.. They have receive my pay off money and now refuse to release my Security Deed and file it in the county record. 
Please help me...

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
In XX/XX/2022 my statement from Shop Your Way Mastercard charged me interest for late payment of the amount charged in XXXX, XXXX. The payment was due on XX/XX/2022 and their records showed that the payments were made on XX/XX/2022. I called the Customer Service line and when they reviewed the transactions they agreed that the charge was incorrect and told me they would eliminate the interest charge, so, I made a payment less the interest charge. 
I just received the XX/XX/2022 statement from Shop Your Way Mastercard, and they did it again. This time the payment was due on the XXXX of the month and the payments were received on the XXXX of the month. 
When I called them, they refused tor waive the interest stating that I had not paid the prior balance in full. It didnt ' make any difference how many times I explained that the balance paid was the amount less the interest I was illegally charged, they insisted that the balance for the prior month had to be paid. So, basically, they are charging me interest on interest which is illegal. 
You assistance in investigating Shop Your Way Mastercard appears to be necessary

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 2022-03-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: KS

Complaint narrative:
On XXXX XXXX my vehicle was repossessed by the title loan company I then received notice I had 10 days to pay the loan in full by XX/XX/2022 or the lender could sell the vehicle I contacted their resolution department and they told me if I paid {$850.00} by the XXXX then the car would be mine again. On the XXXX of XXXX I paid the balance due at {$850.00} then when I was give me the telephone number to the place where my car was being held they gave me the address come to find out they took my car 2 hours away to another city different from where I reside or where the car was repossessed or where the title loan was even conceived when I informed them I have no way to get 2 hours away they just were like sorry for you. Here it is now XX/XX/XXXX and my car still in a different city.

Company response to consumer: Closed with explanation