vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On or about XX/XX/XXXX I opened a Citibank Basic Checking Account after seeing an offer described by Citibank that if I opened a Basic Checking Account, deposited at least {$5000.00} within 30 days of accounting opening, and held at least that amount in the account for 60 days that within 90 days after fulfilling the conditions of the agreement I would receive a {$200.00} checking account bonus. I soon deposited approximately {$5000.00} on XX/XX/XXXX into the account. On XX/XX/XXXX I received another email update from Citibank about the offer and thanking me for enrolling in the Citibank {$200.00} checking offer and repeating the terms of the agreement. 

On or about XX/XX/XXXX I utilized the Citibank Mobile Application 's chat function to inquire as to when my bonus might be depositing, as it had been well over 60 days since when I opened the account and deposited the qualifying funds on XX/XX/XXXX. 60 days since my deposit would have been around early XX/XX/XXXX. The Mobile Application representative stated they could not resolve the issue and to call their One Stop Sales Unit, which I did on XX/XX/XXXX. The representative at the One Stop Sales Unit was confused and did not know how to search for the offer clearly, saying too that often the offers are for holding money in the account for 90 days or more, and provided essentially no clarity or guidance. 

I withdrew {$3000.00} of the {$5000.00} I had held in the account since XX/XX/XXXX on XX/XX/XXXX, my first withdrawl from the account. I am concerned as Citibank has been very unclear on when my deposit bonus will be depositing, as that is {$5000.00} I could be storing in other accounts that actually provided material interest income ( which are generally well over 1.7 % at the moment compared to Citibank Basic Checking 's essential zero interest ). Furthermore Citibank makes it extremely difficult to get any clear, definite answers on the matter as neither their chat representative nor their One Stop Sales Unit personnel have any meaningful knowledge on how to handle the 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 2020-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: PA

Complaint narrative:
the lender charges a late fee of XXXX dollars every month as I am making my payments of XXXX dollars on time. They say that i should pay XXXX dollars every month on a balance of XXXX dollars. They minimum amount due is excessive and their practices really against any expectations from the US consumers. This is a XXXX XXXX company tied up with XXXX. I did not expect the latter company to subcontract with non usa based companies as i used them to see a football game in XXXX. XXXX vs XXXX. Foreign lenders need to clearly disclose they are based overseas. The company is called Klarna.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: PR

Complaint narrative:
On Friday XX/XX/XXXX, I applied for the West Elm Credit Card ( from Comenity Bank ) at the store located in XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. After more than 30 days later I never received a response from the credit card issuer, clearly violating ECOA. 

During the last weeks, I called numerous times to ask for a response regarding the approval or denial of my application ; with no accurate responses awful orientation from Customer Service ( XXXX ). The only information provided was that I was going to receive a letter from the bank with instructions to continue the application process. 

After various additional calls, where I had to explain again the situation and the tedious process it has been, I was finally provided with an address to send some documents required to validate my personal information. I sent a copy of my ; Drivers License,  Passport, Social Security Card and a bill from XXXX XXXX XXXX to validate my mailing address. Weeks passed by and I never received a response for approval or denial. 

On XX/XX/XXXX, I called ( for almost the 10th time ) and representative XXXX Employee number : # XXXX told me that they were not able to see my application information in their systems, even though I have a credit hit in my XXXX report by Comenity Bank for my application ( XX/XX/XXXX ). She also said that my application could have been lost in their offices and my only remedy was to apply again or to send a letter to global support. 

After that conversation with the representative I applied again by their website obtaining an instant approval for the credit card. However, now I have 2 inquiries from Comenity Bank in my XXXX XXXX credit report. One from XX/XX/XXXX related to my first application and a second one from XX/XX/XXXX, XXXX related to my second application. 

I need help to make the Bank erase the first credit inquiry to my credit report since they were not able to process my 1st application, neither notify me about a denial or approval. I can not have 2 inquiries for the same credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24 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 — Problem with personal statement of dispute
Company: BOK FINANCIAL CORP
State: NM

Complaint narrative:
On XXXX XXXX I started a dispute with XX/XX/XXXX to have my late mortgage payments from XX/XX/XXXX-XX/XX/XXXXto be removed. They removed all mortgage payment history not just the late payments. In XXXX of XX/XX/XXXXI filed bankruptcy and didn't reaffirm my loan so I understand why its not reported after XX/XX/XXXX. I have called my mortgage co., Bank of Oklahoma, and the bureaus to get my history prior to filing bankruptcy put back on to no avail. My score dropped over 70 points and am being given the runaround every time I call. I just want my old history back on my report and no one will help me. I'm trying to improve my credit and this has set me way back. Please help!! 
Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One credit card : I made an extra payment by accident through my checking account. This resulted in {$930.00} in overage payment to Capital One, and a negative balance on my credit card. Unfortunately, since it went through my bank could not recall the payment. 

I called Capital One on XX/XX/XXXX to have the money sent back to my checking account. I was given a 4-5 business day period for the ACH to go through. I had to call back on the XXXX and it was still not processed. They had to submit another request for another 5 business days. 
Why does it take 10 business days to process a simple ACH? I work in a financial institution and it takes a maximum of 2 business days to process an ACH. 

The managers I was put on the phone were absolutely horrible. They said there was nothing that could be done and even suggested to hang up and call again. What kind of terrible customer service is that from Capital One? 
It is now XX/XX/XXXX, so that is 13 days that this money still has not been returned. What if my checking account was overdrawn this whole time? 

" What's in your wallet? '' Absolute garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I am XXXX XXXX XXXX XXXX. I choice to utilize my VA option for my home loan/purchase. I originally received my home loan through XXXX XXXX XXXX XXXX, they then transferred my loan to Penny Mac, this last XX/XX/2019, they performed an escrow analysis. My monthly payment went up by around {$540.00} dollars a month, original payment was {$1500.00} now it is {$2000.00} I feel this is super inflated for escrow when it should have been rolled into my original monthly payment as agreed when I took out the loan for my home. I have called several times, and have been in email communication with them as well. I provided them tax statements, insurance totals, homestead, everything to show what has been included for escrow. Bottom line, not many people can afford a {$500.00} increase in their mortgage payment every month per year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Received an email that I had been denied for a credit card that I had not applied for. Immediately tried contacting the company with no satisfaction, answers or even a response as to how this happened, however they were quick to remove 51 points from my credit score. Tried filling a dispute with XXXX XXXX only to find no way to file a dispute over so  called 'hard inquiry '. Was notified by XXXX, XXXX with alerts as to the sudden 51 point drop in my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Suntrust Bank soon to be Truist charged {$38.00} do a {$4.00} transaction. 4 transaction each charge was {$38.00} each. That's a rip off. How can you charge {$38.00} to clear {$4.00} {$38.00} to clear {$10.00}

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 2020-01-24 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:
Apparently my information was used to obtain a cellphone and rent an apartment because its showing on my credit report which I have never had or lived anywhere near these places. One is for XXXX in collections by a company by the name XXXX XXXX and the other is XXXX XXXX XXXX. I have reached out to these companies and it seemed to go in one ear and out the other because they didn't offer me any resolution other than contact credit bureaus. Please help.

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 2020-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NY

Complaint narrative:
Attempted to claim HSA funds multiple times from company for the amount remaining in account. Claims were all denied stating insufficient funds. Spent over 3 hours on phone with multiple customer service representative without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: FL

Complaint narrative:
In XX/XX/2019 I changed my repayment plan. Fedloan automatically put me in forbearance ( unbeknownst to me at the time ) so I did not receive a bill in XX/XX/2019. In early XXXX ( approximately XX/XX/XXXX ) Fedloan notified me that if I did not pay {$690.00} by XX/XX/XXXX then they would add that amount to my loan. This money is in addition to my normal monthly payment. I don't think it's right to charge me more than {$1000.00} total when I never requested to be in forbearance in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: NC

Complaint narrative:
I took out a loan with Moneylion. The stipulation of the loan was to sign up for membership pay a monthly fee and also have money going to their investment account. You could not cancel the membership if you had an outstanding loan and if the loan needed to be repaid or money is owed it can be wthdrawn from the investment account to to resolve the balance as a security. 
The balance in my investment account was approximately {$390.00}. {$260.00} was removed from my investment account with MoneyLion to pay off the outstanding loan. I had a remainder of approximately {$130.00}. There were membership fees that were passed due that could have been paid with the {$130.00}. However it was not. In fact, it shows {$130.00} was withdrawn from my account and was not applied to any balances. I even had to block my account for MoneyLion because they were still attempting to withdraw money from my account for the membership when the loan was clearly paid off and money was in my investment account. 
I then get a notification on XX/XX/XXXX from several monitoring services I have that advised I have a MoneyLion account that is delinquent 120 days. I called MoneyLion and they advised that it was a due to the past due membership fees. However, if the {$130.00} was correctly applied to the fees this would not have reported on my account. I called MoneyLion on XX/XX/XXXX immediately and the representative had no explanation of why the {$130.00} was withdrawn from my investment account and not applied. In fact, the money has been withdrawn and could not be traced to where the funds went. 
The fees were eventually waived by the representative in the amount of {$110.00}, which is clearly covered by the cost of the missing investment funds. 
I was supposed to receive an email on XX/XX/XXXX stating that the fees have been waived and I was supposed to be sent another email advising that the funds are forfeited from my investment account in order to cover any left over balances owed to MoneyLion. I received two emails from MoneyLion about this procedure with one in XX/XX/XXXX, but a mass email delete had to be performed on my email account because it was too full and this was part of this purge. At this time, I have not receive any of this documentation and I know there is electronic tracking of email sent to their consumers. I could not cancel the membership via their website and I had to call to have my membership cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
I disputed the the debt LVNV Funding LLC said I owed. This company is violating FCRA sections, I hereby inform them to desist from all malpractices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MN

Complaint narrative:
We refinanced our mortgage Fall if XXXX. Our mortgage was purchased by Lakeview Loan Servicing.  I made out first payment using their online system. Then I set up automatic payments beginning XX/XX/XXXX and then repeating kn the XXXX each month. I set this up using my checking account. I recieved a letter from Lakeview confirming that the payments would be automatically deducted from my account. I noticed on XXXX that the money had not been deducted from my account. I thought maybe this was due to XXXX XXXX XXXX XXXX. I emailed them on XX/XX/XXXX hoping to resolve the situation. On XX/XX/XXXX my husband called and spoke with 2 customer service reps. He was told that I had set up the account with our saving account, which is not true. He them requested to make a payment and was told to make the payment over the phone it would cost us an additional {$15.00}. We have also been charged a {$30.00} late fee. We requested that this be waived since my saving account was never on the auto draft account and I have money on my account to pay them. They are very shady and dishonest in their fees and I question the legality of these fees to pay over the phone. Also, I felt pressured to sign up for autodraft because if I didn't I would have to pay a {$5.00} fee every time I make a payment.

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 2020-01-24 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:
Apparently my information was used to obtain a cellphone and rent an apartment because its showing on my credit report which I have never had or lived anywhere near these places. One is for XXXX in collections by a company by the name XXXX XXXX and the other is XXXX XXXX XXXX. I have reached out to these companies and it seemed to go in one ear and out the other because they didn't offer me any resolution other than contact credit bureaus. Please help.

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 2020-01-24 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:
Apparently my information was used to obtain a cellphone and rent an apartment because its showing on my credit report which I have never had or lived anywhere near these places. One is for XXXX  in collections by a company by the name XXXX XXXX and the other is XXXX XXXX XXXX. I have reached out to these companies and it seemed to go in one ear and out the other because they didn't offer me any resolution other than contact credit bureaus. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My complaint is regarding a merchant dispute in the amount {$510.00} with Chase Bank. The merchant " XXXX XXXX '' per her contract agreed to and engagement shoot and wedding photos for a total of {$1700.00}. In early XXXX, I gave her the deposit in the amount of {$510.00}. Per her contract we agreed on the location for the wedding photos and via email we agreed on the location of the engagement shoot at XXXX XXXX  on XX/XX/19. Three days before we were set to shoot the engagement pictures, the merchant advised me that she could no longer shoot at the location I requested. I was not satisfied with her response because this is a once in a lifetime opportunity for me and I wanted my pictures at a certain location. After going back and forth with the merchant, she was not willing to accommodate me, I asked for a refund to which she refused. I contacted Chase bank to open a merchant dispute, when the dispute was filed the person filed the dispute as services not received. When I received the response from Chase, in their investigation they stated that I did receive service, when I did not. After providing the documents and attempting to escalate via Chase Bank I have been unsuccessful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
AROUND XX/XX/XXXX. XX/XX/XXXX, I SUBMITTED A REQUEST VIA MAIL ASKING FOR A FULL AUDIT OF MY STUDENT LOANS ACCOUNT # XXXX, LOAN # 'S XXXX AND XXXX, I HAVE YET TO RECEIVE A RESPONSE. IT IS MY BELIEF THAT THE PAYMENTS MADE THUS FAR, HAVE NOT BEEN ALLOCATED APPROPRIATELY, LEAVING A BALANCE THAT EXCEEDS WHAT IS ACTUALLY OWED.

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 2020-01-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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