vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-21 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: CITIBANK, N.A.
State: FL

Complaint narrative:
A fraudulent account opened through XXXX XXXX was initially disputed as fraud on XX/XX/2017. To date, the account is still under investigation and continues to report a delinquent account to XXXX XXXX 's credit histories.

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 2018-03-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX I purchased a new computer from Best Buy and was tricked into purchasing XXXX XXXX 27/7 with the impression that I could get a computer diagnosed and fixed. However, XXXX XXXX 27/7 Service Support is unable to meet contractual obligation. Tecs are not equip to assess or solve computer problems. Pushing a service plan that they have no intention on providing customer support. XX/XX/XXXX, while working on my computer it crashed. Being pressed to complete a work assignment, I decided to take my computer to XXXX XXXX, XXXXTexas. The Tec stated it would take sometime to check the computer for virus and it may have to be shipped out. Being pressed, I purchased a new computer with the idea that I could use the tec support to fix my current computer ( expensive computer ). I took my original computer and a new computer for servicing to be told there is nothing they could do ... I called CustomerService to file a complaint, forwarded to XXXX XXXX Supervisor who suggested that I take the computer to another location. So I took the computers to Best Buy located in XXXX, Texas. I encountered the same issue, the Tec not really wanting to work, there is nothing they can do ( according to XXXX XXXX my visit was not logged at the XXXX location-folks not doing his/her job ) but I did call in a complaint after my visit. Once again, I tried to seek resolution to my compliant on XX/XX/XXXX. I called Customer Service, being transferred many times last person spoke to was XXXX. One XX/XX/XXXX calledcustomer service at XXXX, spoke to XXXX and XXXX XXXX Sent a letter of compliant to customercare @ XXXX ( complaint XXXX ). Called Corp office to be transferred to XXXX at XXXX who said send an email to XXXX. Called XXXX Corporate number, Option 5 told there is no complaint dept at the Corporate level. Filed a complaint with XXXX to no avail and refusal to give me a refund. No manager called me, but instructed to travel back to another store ( without compensation ). Not customer orientated just a bully company that cultivate consumer fraud and scams. No complaint procedures, resolution dept or escalation team. Unable file complainants with a corporate office. XXXXDeceptive business practices and unethical business conduct

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 2018-03-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hiday & Ricke, P.A.
State: FL

Complaint narrative:
I originally owed a debt of {$5000.00} to XXXX XXXX XXXX XXXX., for the repossession of a vehicle. My wages started being garnished by Hiday & Ricke, PA. in 2011. I went to court and agreed to allow them to garnish {$100.00} per month, which is what I could afford at the time. I am a single mother of XXXX. Since I have contacted Hiday & Ricke, PA on several occasions via phone and e-mail requesting that due to my financial situation I need to decrease the amount being garnished. I was advised that they were unable to do that. I then requested for the garnishment to stop, again I was advised that they were unable to do that and my only option was to offer an amount to settle. The debt was originally {$5000.00} since being turned over to Hiday & Ricke , P.A . it was {$13000.00} as of 2011. Since that time the debt has only decreased by about {$2000.00} because interest continues to accrue. I want Hiday & Ricke, P.A., stop garnishment and attempt to work out a payment plan for less than I am currently paying doing to my current financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
I did not request or give any information towards me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
In XX/XX/XXXX I applied for a credit card with American Express because of their promotion stating that if I purchase {$1000.00} during the first three months, I would receive a bonus of {$150.00}. When I received the card onXX/XX/XXXX, it did not mention anything about the {$150.00} bonus so I called the Company to make sure I was eligible for the bonus before I activated the card. The lady had to check and came back on the line saying I definitely was eligible. Then that same day, I activated the card and did purchase over {$1000.00} during the 3 month period. To date I have not received the {$150.00} bonus and I have called them on XX/XX/XXXX, andXX/XX/XXXX asking why the bonus was not forth coming. They tell me I had an account back in XX/XX/XXXX which was cancelled in XX/XX/XXXX and that makes me ineligible. It is not fair that I double checked before activating the card plus they accepted my application applying for the card which was promoted with the {$150.00} bonus. I spent over {$1000.00} which I could have used other credit cards with even better bonuses. They should not have accepted my application if I was not eligible as per their promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX of 2017 I moved out of a condo at, due to XXXX XXXX XXXX not resolving issues of black mold in my unit and not fixing my A/C unit for 1 month and a half which conditions were not safe for me as I already have major health issues. Also found out their was a water leak in my unit that damaged condo below me. I contacted Code Enforcement, they came out fix up things a little but did not further investigate black mold issues, not having A/C made it worse. I wrote a 7 day notice letter to them explaining I am moving because they breach contract agreement. I moved out on XX/XX/2017. XXXX XXXX XXXX still did not chose to fix issues. Instead they over charged me for wall damage and blinds that was broken by XXXX XXXX company and overcharged me to paint walls and a fee to replace a tenant in unit. I found out later they have put these charges against my credit which I didn't receive any letter to dispute. Also found out This company has done many other consumers the same way and they also had similar issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I have attempted to settle the debt several times by phone and they refuse to settle or accept any payment other than the whole amount at one time, Ive asked them to send me the documents about the debt and theyve refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
In XX/XX/XXXX I was contacted by my insurance company ( XXXX XXXX, XXXX XXXX XXXX office in Charleston, SC ) regarding a failure of payment from my escrow account with my mortgage servicer, Loancare. Loancare did not make the payee line out correctly, so the check was not able to be deposited/cached by the insurance agency. They covered the insurance cost for me but still needed payment for it.

Both the insurance agent, XXXX XXXX, and I contacted Loancare *repeatedly* over the course of the next year to absolutely no avail or response. They do not respond to email at all. Finally in XX/XX/XXXX XXXX managed to get the right check cut to their agency and I thought the matter was resolved, however unprofessional it was handled.

Well now I have an erroneous negative balance in my escrow account because rather than just fix the check, Loancare claims they refunded me the " excess '' that was in the escrow account. I NEVER received this check. According to them, they sent it in early XX/XX/XXXX. I would remember an unexpected $ 1500+ check. I never saw it.

So now they have taken payment for XX/XX/XXXX's insurance amount as well as XX/XX/XXXX 's from my account, meaning that I've been charged for the XX/XX/XXXX insurance TWICE.

I called and spoke with an agent at their company, and despite the easy conversation we had where the agent saw the issue and promised he'd get his supervisor to correct it, I still have not seen any correction, nor will they respond to my messages once again. This discrepancy in my escrow account has caused my payment to increase by around {$100.00} a month, but I absolutely do not owe them this extra money.

Where did my money go, and why will they not fix this? This has been going on for a year and a half or more now.

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 2018-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/XXXX upon viewing my credit file via XXXX  credit monitoring, I noticed a collection account by Resurgent Capital Services of a debt that I have no recollection of. Worth noting is that this is the only collection account reflecting on my credit file and has caused my credit score to significantly plummet.

I have never received any communication of this debt from Resurgent Capital Sevice. More importantly, they did not provide me with any notification what-so-ever of my right to dispute the debt.

Today, onXX/XX/XXXX, I contacted the above-mentioned collection agency and spoke to an agent, who I asked to verify their mailing address. Attached is a copy of the letter I mailed to them on XX/XX/XXXX asking for a verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
We were offered over the phone a deal on 0 % balance transfers. When speaking with the representative, I specifically asked about future purchases on the card and if that would affect the 0 % interest on the balance transfer. I was assured it would not affect it and that we could make additional purchases without imperiling this deal. We were then charged interest on the additional purchases even though we made a payment, because they applied the payment to the balance transfer and not new purchases. What this does is essentially force us to pay down the balance transfer immediately to avoid interest on the new purchases, defeating the purpose of the deal. When we contacted customer service, they said this language was in their fine print, which was not told to us over the phone, and that we should not use the card for additional purchases, which again was not mentioned by their agent. This is essentially a bait and switch, leaving out very important information in their sales pitch, greatly affecting our financial situation.

We transferred the balance of {$11000.00} on XX/XX/XXXX and contacted the company on XX/XX/XXXX for the {$26.00} which we are now going to be charged monthly as interest on the new purchases

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I didnt authorize American Express credit bureau unit to pull my credit files

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have called, and written, Cititcard several times stating that the balance on my statement does not agree with what I purchased and what I have paid. I asked for a recap of the purchases and payments I have made sinceXX/XX/2017 to the present date.

I have never received this recap.

Yesterday, I spent 25 minutes on the phone with Citibank. A rep name XXXX  told me that she saw where I had made requests for this info and stated " you haven't received '' this yet? I said not and she asked me to hold on.

A few minutes later, another person picked up and I said I was talking to XXXX  who put me on hold. I was told XXXX transferred the call to her. I asked when I would receive the recap of my purchases and payments, and this person disconnected the call.

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 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MARINER FINANCE, LLC
State: DE

Complaint narrative:
I did not request or give any information towards me.

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 2018-03-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One incorrectly sends me financial statements for someone else at my XXXX email account. I have no banking relationship with Capital One and I do not desire one. 

I phoned the bank and spoke to XXXX and Supervisor XXXX at Capital One 's call in number of XXXX or XX/XX/2018. I was told they were unable to do anything to remove my information from their systems but that I should email XXXX for further assistance. 

I have received a same-day acknowledgement on XX/XX/2018, but no follow up in 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: KY

Complaint narrative:
opened XX/XX/2014 in the amount of XXXX dollars. I have disputed this account and they have yet to remove it. THIS IS NOT MY ACCOUNT and they will not send me verified paperwork of the original account SIGNED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: Specialized Loan Servicing Holdings LLC
State: AL

Complaint narrative:
I checked my credit reports and saw that Specialized Loan Servicing is reporting inaccurate information. My credit profile is showing 180 delinquent with all of the three credit Bureaus. I am disputing the delinquency due to the notification that I received on XX/XX/2018 from my bank. I sent my monthly payment, and ( SLS ) refused to accept it. I called ( SLS ) with a counselor from XXXX XXXX, and a customer representative said that they would not accept any more of my payments. That led me to do a complaint with ( CFPB ). I then filed for a modification in fear that I would lose my home. It took some months before they started accepting my payments. 
** I have attached the letter from XXXX, but this payment was not the only one that was not accepted. **

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 2018-03-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hiday & Ricke, P.A.
State: FL

Complaint narrative:
I originally owed a debt of {$5000.00} to XXXX XXXX XXXX XXXX, for the repossession of a vehicle. My wages started being garnished by Hiday & Ricke, PA. in XX/XX/2011. I went to court and agreed to allow them to garnish {$100.00} per month, which is what I could afford at the time. I am a single mother of XXXX. Since I have contacted Hiday & Ricke, PA on several occasions via phone and e-mail requesting that due to my financial situation I need to decrease the amount being garnished. I was advised that they were unable to do that. I then requested for the garnishment to stop, again I was advised that they were unable to do that and my only option was to offer an amount to settle. The debt was originally {$5000.00} since being turned over to Hiday & Ricke , P.A . it was {$13000.00} as of XX/XX/2011. Since that time the debt has only decreased by about {$2000.00} because interest continues to accrue. I want Hiday & Ricke, P.A., stop garnishment and attempt to work out a payment plan for less than I am currently paying doing to my current financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX ( XXXX XXXX XXXX XXXX ) in regards to a letter dated XX/XX/XXXX advising that I had 30 days from date of the letter to take advantage of a {$390.00} but sold the account to XXXX XXXX XXXX on XX/XX/XXXX. when I called to pay the account I was told " it was sold and the could not honor the offer '' I asked why would a settlement offer be extended, consumer calls to accept within the terms of the offer ( 30 days would be XX/XX/XXXX ) but not accept. I believe this letter was sent erroneously since XXXX XXXX didn't agree to the terms of this letter. I feel that this account could've been recalled from XXXX and handled internally with XXXX as I called within the allotted time of the offer letter. It is also my believe that XXXX is doing this to THOUSANDS of consumers which cause another derogatory trade line on consumers credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I have a unverified account from XXXX XXXX XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that XXXX XXXX XXXX Cease and Desist all further communications.Credit Collection Services needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
while ordering a item from XXXX the rep total me that i was accepted for a XXXX credit card would i like to put the item on the card. Since then I have been charged excessive " flex pay '' payments and gross interest and compound interest charges. 

in XXXX of this year I returned numerous items to XXXX via XXXX. I have not been given full refund of my payments and interest paid I haven continued being charged for returned items plus interest. Although i may monthly required payments and have not been given full credit for returned items. I fell I have for exceeded the Flex Payment advertised. At this rate I will be paying for items that were advertised as four or five payments for years. 

I have made several calls to point of exhaustion to try and resolve these numerous discrepancies. Each time being told " it's now correct '' and my next bill will reflect the corrections. However with my monthly payments and returns my monthly statement continue to increase. 

This predatory practice and reporting of incorrect charges to the credit bureau in my opinion is in violation of the Fair Credit Act.

Company response to consumer: Closed with explanation