vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I enrolled a merchant offer for XXXX gas purchase in my Citi Dividend credit card in XXXX. It offered a {$10.00} back on a $ XXXX purchase at XXXX and the offer expiration date is XX/XX/XXXX. I made the purchase on XX/XX/XXXX and the transaction was posted on XX/XX/XXXX. I didnt get the offer bonus for the qualified transaction and the offer disappeared from either Enrolled or Redeemed in my account ( while I had a similar merchant offer for XXXX XXXX  XXXX purchase, it showed as Redeemed after the expiration date ). I tried to reach the Citi customer service either via online chat or phone. No one was able to explain why the offer disappeared from my account even I had an eligible purchase. In the attached document, you can see the offer was added to my account, with an expiration date on XX/XX/XXXX ( print screen on XX/XX/XXXX and offer expires in 11 days ). Another picture showed the purchase was transacted on XX/XX/XXXX and posted on XX/XX/XXXX. A chat history is also provided, showing the Citi customer service representatives explanation that offer expired on the start of XX/XX/XXXX and my transaction was posted after the offer expires ( dialogues highlighted in the document ). This explanation makes no sense to me. I already spent a few hours with the Citi customer service and they refused to honor the {$10.00} credit, as advertised. I dont think Citi is willing to resolve the issue.

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 2021-11-07 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My identity was stolen by my XXXX. I alerted you all of this. I filed a police report, placed freezes on all credit bureau 's. The initial response was that an investigation indicated that the account did belong to me and there was no evidence of fraudulent activity on the account. Your company is right about the owner of the account. However, my personal assistant at the time, my younger brother, had access to my financial data. As apart of his job he ran errands for me that included him making purchases. Running to get me coffee, buying a piece of furniture my interior design business, etc. He had access to most of my accounts. This account was a major account that he had access to. I urge you to remove this derogatory remark from my report as I continue to work with the FTC and local law enforcement to protect my identity.

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 2021-11-07 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: MARINER FINANCE, LLC
State: NC

Complaint narrative:
It looks like my credit file was breach or identity theft or both during the time frame of. XX/XX/2018 to present

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: PNC Bank N.A.
State: NC

Complaint narrative:
It looks like my credit file was breach or identity theft or both during the time frame of. XX/XX/2018 to present

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: NY

Complaint narrative:
IC systems added a collection to my credit report in the amount of {$5800.00} with date opened date of XX/XX/2021. I monitor my credit report every month and have never seen this collection. I was never contacted at my phone number or address for this collection either. I'm in the process of closing on a home and I feel they did this on purpose to extort money from me. Literally, I'm days away from closing on my dream home and this random collection pops up out of nowhere delaying everything and running my dreams. I've contacted them directly and of course, they do not respond. How can the credit bureaus get away with this! Apparently, XXXX and XXXX just took their word for it too. They also added a remark " Affected by natural disaster '' what does that even mean?

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 2021-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
On XXXX I deposited approximately XXXX XRP ( Ripple ) in the Kraken exchange account identified with public ID XXXX XXXX XXXX  XXXX ( you can see deposit details in the attached file ) My deposit is listed as " on hold '' for more than 3 Months and I have completed all of the verification levels. and my withdrawals are suspended. I created a ticket to deal with the problem # XXXX. No representative of the exchange has contacted me to try to resolve the problem. I have made multiple phone calls and was only told " to watch my email. '' Please Help me. 

my E-mail 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 2021-11-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My identity was stolen by my brother. I alerted you all of this. I filed a police report, placed freezes on all credit bureau 's. The initial response was that an investigation indicated that the account did belong to me and there was no evidence of fraudulent activity on the account. Your company is right about the owner of the account. However, my personal assistant at the time, my younger brother, had access to my financial data. As apart of his job he ran errands for me that included him making purchases. Running to get me coffee, buying a piece of furniture my interior design business, etc. He had access to most of my accounts. This account was a major account that he had access to. I urge you to remove this derogatory remark from my report as I continue to work with the FTC and local law enforcement to protect my identity.

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 2021-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
My identity was stolen by my brother. I alerted you all of this. I filed a police report, placed freezes on all credit bureau 's. The initial response was that an investigation indicated that the account did belong to me and there was no evidence of fraudulent activity on the account. Your company is right about the owner of the account. However, my personal assistant at the time, my younger brother, had access to my financial data. As apart of his job he ran errands for me that included him making purchases. Running to get me coffee, buying a piece of furniture my interior design business, etc. He had access to most of my accounts. This account was a major account that he had access to. I urge you to remove this derogatory remark from my report as I continue to work with the FTC and local law enforcement to protect my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
It looks like my credit file was breach or identity theft or both during the time frame of. XX/XX/2018 to present

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 2021-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: TX

Complaint narrative:
Earlier this year I got a call from a collection agency " Receivables Management '' about money I supposed owed XXXX XXXX. They said I owe them {$40.00} but I would have to pay them {$80.00} ... and they said there was some {$40.00} collection fee. 

So I called XXXX XXXX to verify the debt. They claimed that I owe them the {$40.00} from a medical visit in XXXX I believe. I think that's when it was I'm not sure, but that is not the issue here. But first I DO need to tell you that XXXX XXXX told me that they sent me out a text that they were going to charge my card, and then they tried to charge my card. I had changed banks and gotten a new card so it must have not gone through, but I NEVER got a text from them. When I asked the lady on the phone why they didn't try to call me to get in touch with me about the debt, she said in a very toxic tone " Sir, We don't make phone calls. '' Well if you don't make phone calls how the heck you expect to get paid? 

I was not happy about that but I told her I want to pay the debt that I was convinced was genuinely my debt, but I'm not paying some ridiculous collection fee because they did not make any effort whatsoever to contact me before sending me to collections. 

Fast forward to now, I have a collection on my credit reports for {$40.00} from the collection agency that put that on my credit reports and is screwing up my credit. This can not be legal first of all I have NEVER heard of a collection fee being charged to a person sent to collections, and second of all they never contacted me once. I am pretty sure that a creditor MUST contact the debtor to try to get payment before sending them to collections. When I was younger I made a lot of mistakes and was send to collections a lot and it was only to pay what I owed. As you can imagine I and on the straight and narrow now and I want to avoid collections, especially ones that are invalid! 

These people will not budge and they keep telling the credit reporting agencies that the debt is valid when it is not! I am not responsible for the irresponsibility and laziness of a company that doesn't even try to get a hold of customers to tell them they owe money!!!! That's on them. And if the collection agency wants {$40.00} let them pay it! 

I want this off my credit report. I'm trying really hard to improve my credit and I'm working against past irresponsibility on my part. 

PS : The address for Receivables Management is listed here because you have no other place to put it and when I said they aren't the place the original debt came from you ask me for XXXX XXXX 's address but not theirs.. RECEIVABLES MANAGEMENT ARE THE CRIMINALS WHO PUT THIS XXXX ON MY CREDIT REPORT!!!!!!!! 

Receivables Management Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/2021 a withdrawal was made at an ATM on XXXX XXXX XXXX XXXX XXXX for {$500.00}. It cleared by bank ( BBVA Compass ) on the same day. My ending balance on this days {$2700.00}. I have a statement from BBVA to show this.

I have a statement from PNC Bank which took over BBVA Compass showing the beginning balance on XX/XX/2021 with the was {$2700.00}. 

Only one ATM withdrawal in that amount and from that ATM was made between XX/XX/2021 and the present day ( XX/XX/2021 ). 

On XX/XX/2021 the PNC Corporate offices deducted another {$500.00} in error ( same withdrawal from XX/XX/2021 ) from my account. At that time my account had a balance of {$1.00}. As a result my checking account went into a negative XXXX. 

I have tried since that day to speak with someone at the bank to get the issue corrected. My husband actually went into the bank on XXXX XXXX in XXXX, Florida on XX/XX/2021. The bank manager advised him that she could see it was a duplicate withdrawal, but all she could could was file a dispute which could take 10 working days to resolve. 

I have called the bank many times and I am unable to do anything. I was able to withdraw my deposits from our employers that was made on XX/XX/2021 minus the {$500.00}. 

At this point I have become convinced the {$500.00} is never going to be put back into the account so that I can close it out and never attempt to bank with this financial institution again. 

I am asking for your assistance in helping me recover the money that is rightfully owed to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I placed an order with XXXX and paid with my XXXX.XXXX  prepaid Visa card. The order amount was for {$26.00}. However, when I checked my account history at XXXX I saw that {$31.00} was charged to my card. I called XXXX on the same date, XX/XX/XXXX, to inquire about this. I spent close to an hour on the phone with them but they could find no record of a {$31.00} charge and suggested I reach out to XXXX 

I called the customer service number for XXXX, XXXX after hanging up with XXXX. At that number there is no option to reach a human being. I tried every option they had but could not get a live person on the phone, and none of their prompts were able to help me with this issue. 

Thinking that maybe there was some other fee that XXXX could have charged me I consulted their fee structure for the type of card I have. I saw the {$1.00} transaction fee that I already knew about and was charged to my account separate from the {$31.00} charge but XXXX has no other listed fee that would explain the missing money. {$5.00} is not an amount typically used for a fee anyway. 

My complaint is against XXXX, but am not specifically sure what I should complain about. I do not know if they charged me a hidden fee of {$5.00} or not because I can not get them on the telephone to ask about this. I suppose my complaint is that they do not have live customer service nor an option to dispute a charge on an account, and also that they potentially charge hidden fees. 

Somebody charged me an additional {$5.00} and I want to know who and how this happened, but XXXX has no live customer service. That is not a good way to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK
State: DC

Complaint narrative:
XX/XX/21 - Submitted online application for {$35000.00} personal loan ( XXXX {$870.00} monthly 8.99 % ) XX/XX/21 - Received denial on the bases of " Unable to Verify credit references '' Checked all credit reporting agencies and Discover had inquiries to all three reporting agencies with an XXXX credit score across all three XX/XX/21 - Sent a letter per the denial email to Discover requesting detailed information of the unverifiable references. 
Approx. XX/XX/21 - Received a phone call from a representative of Discover who stated that they could not give me more detail past the explanation in the letter. After being pressed, the representative held to the position that their could be no additional information released.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
OnXX/XX/XXXXMy XXXX XXXXXXXX XXXX was totaled in an accident that was the other drivers fault, my insurance company XXXX paid the value of my vehicle leaving portion remaining to my Gap Insurance Purchased at the time I financed my car from XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Nevada. Finance With Credit Acceptance. I have sent all documentation requested by Credit Acceptance Finance and they have yet to settle the claim. I purchased the Gap Insurance and when asked to discuss this insurance i am transferred to a representative that does not even have an insurance license to discuss the matter of the policy. Credit Acceptance continues to report a late payment on a totaled vehicle they will not cover, or charge off purposely causing harm, as their bogus GAP insurance does.

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 2021-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
I have no idea who these people are they just appeared on my credit report and been calling my phone early in the morning before XXXX with threats of ruining my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My Barclay XXXX  XXXX  credit card account ( XXXX ) was opened in XX/XX/2021. Since the opening the account, I did not receive any paper monthly statements or any paperless monthly statements ( i.e. email notification ) from Barclays Bank since XX/XX/2021. The only notification from the bank was a text message on or around XX/XX/2021 regarding the account. I immediately contacted the bank and was informed of the past due balance in the amount of {$49.00}, including late fee of {$39.00}. I immediately sent in the full payment in the amount of {$49.00}. The payment was posted on XX/XX/2021. 

Since Barclay did not provide any paper or paperless statements ( e-notification ) for the period from XX/XX/2021 to XX/XX/2021, I did not received proper notice of the amount due and the payment due dates. When Barclays reported that my account status was " delinquent and past due for 30 days '', such reporting was inaccurate. Had I received proper paper or paperless statements, I would have paid the outstanding balance before the due date. Based on the fact that no paperless statement was sent to notify me of the balance due date, the negative information reported to the credit reporting bureaus is incomplete and unverifiable information. 

I believe that it is unethical for Barclays Bank to report such negative information when the bank mistakenly did not send me any paper or paperless statements, to properly notify me of the outstanding balance and the due date. 

I have excellent payment record for the last 40 years. I always paid my balances on time, as long as paper statements or e-notifications are properly sent to me. Such negative information from Barclay is detrimental to my credit rating, with a substantial credit score drop of XXXX points, from XXXX to XXXX currently. 

Your prompt attention to resolve this matter is greatly appreciated. 

Best regards, 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 2021-11-08 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: CITIBANK, N.A.
State: TX

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, BEST BUY/CBNA, is reporting late as reported in my credit report. Lets remove this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor delete this complaints.

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 2021-11-07 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: CO

Complaint narrative:
On XX/XX/XXXX I sent a letter to Experian explaining that the statue of limitations has EXPIRED. The account was opened on XX/XX/XXXX. This is past the 7 year statue of limitation for credit reporting. Also the account is paid in full and it is still showing CO for " charge off '' this is affecting my ability to get a job and credit. PLEASE REMOVE COMPLETELY.

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