vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I have had a flawless and good relationship for many years with Citi Bank. On XX/XX/2018, I called their office and asked XXXX of South Dakota to remove the annual fee of {$95.00} which appeared on my most recent billing statement. He said he was not able to do this. I said I had other credit cards that dont charge an annual fee. He then said he would have to close the account in order to remove the fee. I agreed we would end our business relationship now by him crediting the {$95.00} fee back, and closing the account. I agreed to pay the remaining balance in full during the telephone call. XXXX said if I pay only the balance minus the fee, the {$95.00} would remain on my account and accrue finance charges and late fees until the credit post in two months. It did not take Citi Bank two months to post the fee. This is clearly a UDAP ( Unfair Deceptive or Abusive acts or practices ) violation. Citi Bank is trying to force me to pay the fee and lose my Billing Error Rights to dispute it if the credit does not post in two months, or leave the {$95.00} unpaid for two months while it accrues late fees and finance charges. I thought I could do honest business with Citi Bank, but I learned that they intend to have either the {$95.00} or fees that accrue against it.

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 2018-11-27 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: NC

Complaint narrative:
On XX/XX/XXXX, I first placed a dispute of various accounts that were showing on my personal credit report, yet were never authorized and were fraudulent due to Identity Theft. Despite placing all proper supporting documents along with the described accounts in the mail with the major credit reporting agencies. Nothing has changed despite me following following their dispute procedures they have not followed the law of the FCRA sec 605b I am in need of assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27 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:
Equifax was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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:
Experian was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2018-11-27 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: FL

Complaint narrative:
Transunion was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : 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 2018-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account ( AMERICAN CREDIT ACCE ) which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that ( AMERICAN CREDIT ACCE ) was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: NC

Complaint narrative:
On XX/XX/XXXX, I first placed a dispute of various accounts that were showing on my personal credit report, yet were never authorized and were fraudulent due to Identity Theft. Despite placing all proper supporting documents along with the described accounts in the mail with the major credit reporting agencies. Nothing has changed despite me following following their dispute procedures they have not followed the law of the FCRA sec 605b I am in need of assistance in this matter.

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 2018-11-27 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: NC

Complaint narrative:
On XX/XX/XXXX, I first placed a dispute of various accounts that were showing on my personal credit report, yet were never authorized and were fraudulent due to Identity Theft. Despite placing all proper supporting documents along with the described accounts in the mail with the major credit reporting agencies. Nothing has changed despite me following following their dispute procedures they have not followed the law of the FCRA sec 605b I am in need of assistance in this matter.

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 2018-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hope this finds you well. My business recently was affected by unauthorized transactions to our checking/debit card accounts. We processed in time and to accordance unauthorized transaction disputes. These disputes have been denied twice by the bank itself stating that we have done business with the merchant in the past. The merchant in question has been our business processor, they added services and equipment to our invoices without delivery of either, they have since via email communication offered to credit the amount of the equipment and offer our business a substation discount on future invoices for the situations. 
The bank however refuses to reimburse our company and our personal accounts more than {$2000.00} in fees associated with the loss of these large amounts with caused our accounts to go negative. We had to personally contact the merchant with whom charged that took unprecedented amount of hours and time. 
We where told several times that provisional credits would be applied to our accounts within 10-days of the disputes and where mislead, not only once but twice. These lies created negative accounts and absorbed any and all operation funds coming through. 
Our accounts have suffered extreme damage as well as our reputation and character with our staff, merchants and other vendors who where effected by loss of funds. The bank has neglected us as customers and created situations that could have been avoided. They have been negligent since XX/XX/2018 when we first disputed the amounts and they told us not worry.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
The company stated I violated section 15 ( d ) which simply states the card can't be misused. I was only using the card as intended, receiving payments from peers, withdrawing cash, making purchases, and paying bills. I did get a few more payments than average, but that was from selling bitcoin from my personal investment. 
Anyway the company said they were closing my account and sending me a check. I did call them and they said there was nothing they could do. Some accounts just need to be closed because the cost of compliance is expensive. 

I have yet to receive a check. I would like one mailed ASAP Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
I make a payment every month and because it is within 120 days I request that it is applied to the principal. Every month they do not apply it to the principal and I have to call and for them to reapply the payment just to the principal. 

My 2nd to last payment was made on XX/XX/18. I requested that the payment be applied to principal only for the same reason ( within 120 days ). I've called 3 times for them to do this and it is not being completed. It is now a full month. Calling is not resolving the issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BB&T CORPORATION
State: LA

Complaint narrative:
I financed a trailer/dumpster with XXXX XXXX. Each month I would receive a bill showing minimum payment, amount paid previous month, and payoff amount with the date that payoff amount would be good through. Last year I was able to payoff the loan. I sent in the payoff amount shown on the bill and made sure XXXX XXXX would receive the check before the date listed on the bill. I waited about a week, I called to make sure that XXXX XXXX  received my payment and that it would payoff the loan. They assured me that I had paid off the loan and they would send me the title to the trailer/dumpster. After several weeks, I received the title in the mail. Apparently they have a glitch in their system because I still get bills from them showing Total Amount Due {$130.00} with Payment Date XX/XX/19. I have called to resolve the issue but have not been able to talk to anyone that can take care of the situation. The loan is paid off. They need to stop billing me and trying to collect on a charge that is incorrect.

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 2018-11-27 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: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
I got an unauthorized hard credit check on my account earlier today from Syncb. 

After searching online I found that some other people had the same issue and we're unable to fix it by calling the company and they would transfer the call in an endless loop. 

The final solution seemed to be reporting to consumer finance. 

I have no idea who this company is and why they have done a check on 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 non-monetary relief
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
This company, Velo law did not properly serve me a summons. The summons was left with a family friend and was not signed for and the officer ( or person she described dressed in a police officer uniform ) told her that I didnt not come get the packet from her as soon as possible and respond I could be going to jail and its possible I already I have warrant out for my arrest. I immediately called this agency to try to handle this and I was advised that I first had to pay for them serving me before anything could be handled and they also needed a financial statement from me. Also the amounts they are suing for are incorrect. Also the original creditor says another company holds the debt. The place they claimed they served me is not where I live its just my mailing address. I was not there and did not receive the summons nor was it signed for

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened a checking and savings account with CITI BANK and completed all the necessary requirements to receive the incentive offered by the bank. After completing all the requirements ( ATTACHED ) and verifying that I have completed all the requirements every step of the way, CITI BANK still has FAILED to credit my account. 


Representative XXXX on XX/XX/2018 explicitly stated " Therefore you should be expecting the bonus no later than XX/XX/2018. '' ( ATTACHED ) Representative XXXX on XX/XX/XXXX at XXXX XXXX stated " After this please allow 90 calendar days for the promotion bonus to be credited. Which will be on XX/XX/18. '' ( ATTACHED )

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 2018-11-27 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: VA

Complaint narrative:
On XX/XX/XXXX I filed complaint with the XXXX XXXX XXXX XXXX XXXX, also called the Federal Trade Commission # XXXX and filed with FBI. 

I was scamed by a computer scam, someone claiming to be part of XXXX XXXX. Since I had called XXXX for a # to get my computer repaired back in XXXX I paid the computer people what was to be a lifetime warranty. When I had trouble this XXXX I called them again and was assured I would not be charged anything that I had the warranty. Anyhow they kept asking for XXXX XXXX cards. I stupidly believed them and kept getting more cards ( {$32000.00} wprth on all my cards. I have since paid the credit cards all the charges for the XXXX  XXXX cards that I made. I kept all my receipts.is In XXXX this scam person, XXXX XXXX, asked for my credit cards-they would pay me back the money they owed me via the cards. I stupidly believe him and gave him the information, however, I did not give him the CVV number. I got a call from my XXXX XXXX, my XXXX XXXX card and my XXXX XXXX XXXX card questioning charges made to my account for XXXX {$400.00}. I told them no I had not made the charges and told them not to honor any more of those charges. They agreed and I have not been charged by them for any XXXX XXXX charges that had already occurred. 

I HAD ALSO CALLED DISCOVER CARD in XXXX or early XXXX, I had not heard from them, and told them not to honor any XXXX charges to my account. I did not know until the end of XXXX when I got a bill for {$2800.00} of XXXX charges on my account. I immediately called them, told them to stop again and reminded them I had called to stop these charges a month previous. They said they would investigate. 

There answer to me despite many calls has been since I gave out my card info I am responsible for these charges. They are completely ignoring the fact I told them NOT to honor any XXXX charges. Now they have sent my account to the 3 credit bureaus,.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/18, I purchased a washer and dryer on the Home Depot website. I was shown an offer to apply for a credit card to get XXXX off of my order. I proceeded with getting the credit card. But, on my statement the XXXX discount was not applied. I called in and was told that the credit was not valid for my order because the washer and dryer were on sale. If the items in my cart were ineligible for the discount, it should not have been offered. 

On XX/XX/18, I spent over 30 minutes on the phone with a variety of Home Depot departments. Eventually I was transferred to XXXX, XXXX, in Resolutions. She offered a gift card for the XXXX, but would not apply it to the purchase.

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 2018-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: MI

Complaint narrative:
i have been receiving an extra charge every year recently from seterus company. last year i just paid the extra amount they requested, but this year they sent me a bill in the amount of {$2600.00} (? ), i called them few times and each time they gave me a different answers, like the first time they said i missed a payment in XXXX, then i missed a payment in XXXX, then XXXX, and so on, and each time i ask them foe what month i missed the payment, they never tell me, and when i request a history of my payments on the loan, the sent me a paper for re modification instead.my last call i spoke with the supervisor and she said that the issue started on XXXX of XXXX, when i made an early payment it went to the principal instead as a loan payment, and late fees started since than till present. 
the supervisor suggested that i send a plea request to the heard quarter of seterus and ask them to reverse the 5 payment that i made early and reinstate them as a loan payment and remove the late fees since it was not my fault. 
i did send a request and they denied my request and they keep suggested that i re modify the loan. 
i truly need your help of what to do or to resolve the issues with them knowing that it was there fault and they are trying to make me refinance. 
they are a lot to say, nut i am trying to keep it short and hopefully i will explain more when you respond to my request. 
thank you. 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 2018-11-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
JCPenny branded store card issued by Synchrony Bank lowered my credit limit on the account based on a periodic review of my credit via a soft-pull. Their system pulls credit apparently every month. Upon a systematic review, they lowered my credit limit within around roughly {$100.00} of the overall limit. This put my ratios all out of whack. I financed a washer and dryer on 0 % therefore, there is no way I'm paying that off when it's at 0 %. In the beginning, there was an address issue on the account, and one of the payments was late but that was almost 2 years ago. After that was corrected, the account has always been current and never had any late payments or issues at all. The reason I'm suspecting the limit was lowered was due to an auto trade-line reporting 60 days past due by XXXX XXXX XXXX. This was a reporting error and since been corrected by XXXX. Yet now, I have a lower credit score because of this tradeline shows I'm at 85 % utilization.

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 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
On these dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX I asked LexisNexis to provide verification and the method of verification of the public record reporting to my file per FCRA. To this date they in violation of the FCRA failed to provide the required information. The record is below : XXXX XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation