vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-19 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:
I entered into a contract with XXXX ( web development company ) and funded a contract with the amount of {$5400.00}. Due to outside circumstances ( delays, poor performance ) we canceled the contract on XXXX. This was consulted by XXXX dispute team and American Express. The balance of the contract was {$2700.00} which we tried to recover on XXXX and via American Express dispute. After multiple attempts XXXX advised moving to arbitration ( AAA ) with an additional fee of {$290.00} and after a call to American Express on XX/XX/2018, by the customer rep on a recorded call they said not to pay the arbitration cost and American Express will handle the dispute. On XX/XX/2018, I was notified that we lost the dispute citing that the other party on XXXX paid for their portion of the arbitration. The funds in total were distributed to the other party due to the American Express rep. American Express needs to consult the XX/XX/2018 call recording with XXXX where he states that we should not pay the {$290.00} arbitration fee. We seek American Express to credit our account in the amount of {$2700.00} as it was under their advice on a recorded call from XX/XX/2018, that we did not enter into arbitration thereby losing the money we had in our escrow account. This is evidenced by the recorded call and the letter attached from American Express dated XX/XX/2018. We have now opened three disputes with American Express. American Express acknowledged on a recorded call I am in possession of that the call from XX/XX/XXXX exists and to seek 3rd party legal help. Please see attached documents for timeline and resolution from American Express that we dispute. 

From the previous dispute, American Express acknowledges that they " found we could have more clearly explained how the dispute process works. We apologize for any misunderstanding you may have experienced as a result of this matter I am glad this is a {$2700.00} teachable moment for American Express. If this is such a misunderstanding why will they not release the call to the CFPB and or myself as stated here, " Phone call recordings and/or transcripts, if available, are business records of American Express that can only be provided in response to a lawfully issued subpoena. " American Express knows that they offered the wrong advise even when point blank asking if we should pay the arbitration fee, they then said no on several calls not just the XX/XX/XXXX call. 

I have been a customer for 14 years, you lost me and everyone I know now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
They didn't want to work with me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had opened a Savings/Checking account set in Citi in XX/XX/2018, and transferred {$15000.00} on XX/XX/2018. This account was opened online through a promotional link on Citi 's website, and if I maintained the balance of XXXX for 60 days, I would be eligible for a bonus. From the time I opened the account, I have never received any confirmation email from Citi that I was signed up for the bonus. I had called into their call center several times, and no rep could confirm that either. So, very conveniently Citi would just have customers open accounts and have them make a large deposit, then provide 0 % interest, and no commitment of bonus. I maintained the balance until XX/XX/2018 ( requirement of 60 days ), and then withdrew XXXX. I had called back on XX/XX/2018, and the rep was confused why I had not received the bonus. She said that I had met the bonus criteria, and I should be receiving the bonus soon. She even opened a ticket for it. 
Yesterday, when I called in again going through a series of uninformed and untrained reps, someone called XXXX from KY confirmed that I was no longer eligible for the bonus as a related checking account got closed. Who closed it and why was I not informed of it before? When I came to know about it, I had opened another checking account within a day of closure. So, Citi very conveniently lures new customers to open new accounts, but their system nor their reps have no record of any specific information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-19 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: Total Card, Inc.
State: TX

Complaint narrative:
I have received a letter from the company Total Visa. I do not have money to have the letter notorized. The reason for the letter is that I have disputed the XXXX XXXX XXXX. I did agree to a trial from XXXX XXXX. but the service was not great and I did not agree to continue services. The sent me a email saying my account was suspended. The company has refused to accept recognition of that email and does not want to refund my account The company is XXXX. The company that needs the notorized letter is total visa. Please let me know if you need additional information to proceed with the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America used my checking and savings, processed illegal wire transfer from my accounts to accounts that I dont know. They used abusive languages and created fake accounts stating that I have been borrowing money from the bank, the banker who did that is XXXX XXXX in cooperation with his manager, from XXXX XXXX branch. They closed my cash management debit card that had XXXX XXXX dollars without wiring the funds to another account or creating a new one. I asked their subsidiary XXXX XXXX to send me a cash management debit card, but they did not reply. They keep on sending me supposed cash rewards credit cards with a credit limit of XXXX XXXX and an automated robot that blocks my activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
XXXX has possibly made an account that was not requested by me that showed up as a hard inquiry on my XXXX XXXX report. I just got XXXX XXXX  a few days ago and it showed this XXXX account was created on XX/XX/2018 which I did not initiate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2019, I saw an ad for Emollient moisturizer on XXXX that claimed a risk free use of the product if you paid the shipping fee only of {$4.00}. It was endorsed by the XXXX XXXX XXXX show personality. It said that it would show on my bank statement as XXXX XXXX as the vendor name. So I paid the shipping fee of {$4.00} and also paid for the Emollient eye cream for the same deal as the moisturizer at {$4.00} shipping fee. However, when I checked out there was a {$1.00} charge for recycling fee added to the shipping fee for the moisturizer which when I received the moisturizer it didn't even come in a box. I haven't even used the products yet because I'm waiting for my current moisturizer and eye cream to run out. So fast forward to XX/XX/2019, I look at my bank account on line and find that there is a pending charge for {$79.00} from XXXX XXXX. So I call the phone number that is on my bank statement ( XXXX ) and speak to a customer service representative that says in the fine print at the very bottom that I had 14 days to cancel my subscription for the product and get a refund for the two products that I ordered. I asked if I could return them since I had not used them yet and he informed me that it would be a restocking fee so well as two week process time and another {$10.00} for a shipping fee. I told him I had no idea that you had to cancel within 14 days not to be charged. I thought risk free meant just that -- risk free. In my research to find the website on the internet and XXXX I have found out that this is widely known scam on XXXX and that there are warnings from bloggers not to fall or buy from these sites. I would like a full refund of the {$79.00} plus the two {$4.00} charges for shipping and the {$1.00} recycling charge and I will gladly send the products back at my own cost at the address the seller provides. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WA

Complaint narrative:
The online portal is demanding inappropriately early payment on my student loan. 

According to a status letter from the company dated XX/XX/XXXX, my next loan payment is not due until some time in XXXX. However, the online portal for my account continues to show my next loan payment as being due on XX/XX/XXXX. 

I have asked the company on multiple occasions to have their online portal accurately reflect my loan payment dates. It has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I AM REQUESTING THE REMOVAL OF MY SECURITY FREEZE FROM MY CREDIT REPORT. THIS IS MY THIRD REQUEST TO HAVE MY ACCOUNT UPDATED PROPERLY. THERE IS AN ACCOUNT ON FILE FROM XXXX   XXXX XXXX. ( XXXX ) NOT SURE HOW THEY GOT THIS ACCOUNT IN THEIR OFFICE IT OBVIOUSLY WAS NEVER VERIFIED BECAUSE THEY WOULD HAVE SEEN IT WAS A FRAUD COMPLAINT ALREADY FILED AGAINST THE ACCOUNTS. PLEASE DELETE BOTH XXXX # XXXX, # XXXX. I have attached a copy of my current and only address from the DMV print out as PROOF of my ID and address. I am addressing this issue to all 3 credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
in XX/XX/XXXX I did a short sale to the bank as my house went into foreclosure. it was approved. in XX/XX/XXXX I received tax form XXXXAcquisition of Abandonment of Secured Property. balance of principal outstanding XXXX fair market value of property XXXX. this was done by Owen XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX . 

in XX/XX/XXXX I received XXXX Cancellation of Debt. date XX/XX/XXXX. amount of debt discharged XXXX. done by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX. 

now I owe XXXX dollars in taxes to the IRS. where did this amount come from. someone else was living at the address one month after I moved out the original mortgage was done by XXXX XXXX   back in XX/XX/XXXX who was part of the mortgage crisis, it was a high interest loan which I tried to remodify 3x and was turned down

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
Santander Consumer USA receives my auto loan payment each month as agreed but has been reporting to the three credit bureaus since approximately XX/XX/2017 that the account was charged off. I've contacted them by phone and mail but they refuse to help resolve this issue. It has caused negative credit consequences for both myself and the co-borrower on the same account. The three most current statements are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted procollect to figire out how much I owed they said I owed {$290.00} bit would settle for {$200.00} if I paid within 24 hours which I agreed and drove to thier business location and made my payment I was told that on the XX/XX/XXXX they would report I had paid in full which they failed to do they they reported I only paid {$200.00} and owed {$95.00} I called them Friday XX/XX/XXXX and immediately asked me to make a payment of {$95.00} which they claim I owed I explained to Mr XXXX what had happend she asked for my email to send me some paperwork stating I don't owe anything which I never received I have proof and receipts to show we settled and that it would be removed from my credit I'm in total shock and disbelief that a business can do this to people who are trying to take care of there owed payments and credit for a company like this to XXXX up my credit just because.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2019, I was charged 3 {$34.00} insufficient fees. When I checked my account at XXXX XXXX on XX/XX/2019 I had my direct deposit pending in my account that more than covered the purchases that I had made on XX/XX/2019. I even transferred {$100.00} to my savings account because I had a positive balance at XXXX XXXX on XX/XX/2019. When I checked my account again later that day I found I had a negative balance of ( {$16.00} ) because of the 3 insufficient fees. I called Chase and the customer service representative said that the vendors collect their funds at XXXX the prior day ( meaning XX/XX/2019 ). I told the representative that this had never happened to me before and at XXXX XXXX  XX/XX/2019 I had a positive balance and able to transfer money. So if the vendors collected money at XXXX XX/XX/2019 how was it possible to do what I had done? However, I was able to get two of the three insufficient fee of {$34.00} credited back to my account but not the third.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
While visiting a Citibank branch on XX/XX/XXXX, I opened a new checking and savings account in the Citi Account Package. According to the personal banker who  opened my account and Citibank website, I was eligible to receive a {$400.00} sign up bonus if I ensured the following conditions were met : 1. Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
2. Maintain a minimum balance of {$15000.00} in your linked checking and savings accounts for 60 days. 

I have met all of the aforementioned conditions to be eligible to receive the sign up bonus. Below is a chronological order of events which illustrate that I in fact met all of the conditions required by Citibank : 1. On XX/XX/XXXX I deposited {$15000.00} new to Citibank funds into my checking account and subsequently transferred {$250.00} to my linked savings account. 
2. As stipulated by Citibank, I funded the accounts within 7 days ( requirement is within 30 days ).

3. As stipulated by Citibank, I maintained a minimum of {$1500.00} in my linked checking account.

4. As stipulated by Citibank, I maintained a minimum of {$100.00} in my linked savings account.

5. As stipulated by Citibank, I maintained a minimum balance of {$15000.00} in my linked checking and savings accounts for a period of 72 days through XX/XX/XXXX ( Citibank requirement is 60 days ). 

On XX/XX/XXXX, I received an email from Citibank advising me that I am not eligible to receive the {$400.00} sign up bonus because I did not meet the required conditions. I have attached/uploaded the email with this complaint submission. 

I immediately called Citibank to try and resolve the issue, but after 4 telephone calls, 3 hours on the telephone, and numerous transfers, my issue remains unresolved. 

I am 100 % confident that I have met the required conditions and am eligible to receive the {$400.00} sign up bonus. 

I am hoping your organization can help me. 

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 2019-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I AM REQUESTING THE REMOVAL OF MY SECURITY FREEZE FROM MY CREDIT REPORT. THIS IS MY THIRD REQUEST TO HAVE MY ACCOUNT UPDATED PROPERLY. THERE IS AN ACCOUNT ON FILE FROM XXXX   XXXX XXXX. ( XXXX ) NOT SURE HOW THEY GOT THIS ACCOUNT IN THEIR OFFICE IT OBVIOUSLY WAS NEVER VERIFIED BECAUSE THEY WOULD HAVE SEEN IT WAS A FRAUD COMPLAINT ALREADY FILED AGAINST THE ACCOUNTS. PLEASE DELETE BOTH XXXX # XXXX, # XXXX. I have attached a copy of my current and only address from the DMV print out as PROOF of my ID and address. I am addressing this issue to all 3 credit Bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I AM REQUESTING THE REMOVAL OF MY SECURITY FREEZE FROM MY CREDIT REPORT. THIS IS MY THIRD REQUEST TO HAVE MY ACCOUNT UPDATED PROPERLY. THERE IS AN ACCOUNT ON FILE FROM XXXX   XXXX XXXX. ( XXXX ) NOT SURE HOW THEY GOT THIS ACCOUNT IN THEIR OFFICE IT OBVIOUSLY WAS NEVER VERIFIED BECAUSE THEY WOULD HAVE SEEN IT WAS A FRAUD COMPLAINT ALREADY FILED AGAINST THE ACCOUNTS. PLEASE DELETE BOTH XXXX  # XXXX, # XXXX. I have attached a copy of my current and only address from the DMV print out as PROOF of my ID and address. I am addressing this issue to all 3 credit Bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX my car was broken into and my ssn card, DL, Debit card was stolen. Contacted police made a report with the XXXX Police XXXX # XXXX in TX. I called Chase bank to report my debit card being stolen. XX/XX/XXXX Received a call from Chase Bank in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX phone XXXX with XXXX XXXX. She stated if I am trying to make a deposit I stated no I am at home she said you are not tryting to deposit $ XXXX and make a $ XXXX withdraw I said " NO '' she made statement that someone is in drive thru trying to make deposit she alerted police. I told her not to process check. The criminal managed to flee the scene. I immediately called 1800 chase number to confirm the call was not also fraud they stated they were contacted to at this time they will make an investigation. I offered incident report with police on each call I have made after this day no one wanted to take it. I walked into chase bank institution the following day said what do I need to do. They advised to open new account while other will be investigated. In the course of the 90 days I had Chase bank do their own 3 attempts of misc withdraws from my new account to make old account positive. Which I was told the old account would be restricted. Several mistakes have been made if you look at the check my name is mispelled, no signature, I did not have $ XXXX funds in account to have that withdrawn. Chase bank has been negligent in allowing the check to process, seeing that I report a stolen debit card this did not alert them to process the check. Chase Bank has consistantly turned my new account negative for days then crediting it back. I have been in contact with Fraud department, recovery department, claims dept, research dept and customer service no one is able to assist me nor give me any information. They all state the its the other department resposible. I been left without answers without assistance and to this day my account stands negative. The instution has video footage and phone call recording yet they are still after 90 days are unable to make a resolution to the investigation. They closed my account after 90 days to make the negative account positive and instead of sending me to collections they tapped into my new account and will buy them an additional 90 days to find a resolution. While I stand here at a negative account as a single mother with XXXX children. All my utility bills are coming back stating my account has been declined. Monday is XXXX the bank will be closed I spent all day the bank today without able to get a temporary credit as they continue their investigation. This error also happened the day before XXXX holidays leaving me and my children on an American Holiday at negative account for days. The bank has been negligent with several errors and left me in the dark.

Company response to consumer: Closed with monetary relief