vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-24 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In XX/XX/XXXX, I received a promotional letter from Synchrony Mastercard saying I was pre-approved their new credit card, featuring 2 % cash back and {$150.00} account credit if I spend over {$1500.00} within the first 90 days of account opening. I replied online since I deemed it's a good deal. Yet after over a week 's wake, I received a call from Mastercard company asking about why I wanted to apply for the card, they needed some credentials, I told them I was simply replying to the synchrony 's promotional offer, then due to that delay and the planned trip that took place on XX/XX/XXXX -- I checked my mail box every day before the vacation trip to New York for XXXX, so that I can use the card during vacation. It didn't arrive prior to my departure ( XX/XX/XXXX ). When we returned on the XXXX, I then located the approved credit card in the mail box, activate it, and started using it. 

I spent over {$1500.00} during the first 90 days once I activated the card, but received no {$150.00} account credit. I contacted synchrony, multiple times, first they said the 90 days starts when I first responded to them, I then explained that I got an extra call from Mastercard company and I couldn't activate my card, on XX/XX/XXXX, they sent me an email with an attached letter saying that the account credit would appear on my account within 1-2 billing cycle, but since then I still received nothing. I contacted them again by the end of XXXX, they said they did not know how the " reward department '' handled it and I had no way to contact them. Therefore, no reward as they claimed so far.

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 2020-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
I bought a new XXXX Hyundai XXXX from the XXXX dealership in XX/XX/XXXX, and I always make payment to Hyundai Finance since then. I always pay on time, my expected bill was {$590.00}, but I always pay {$600.00} so that I can finish paying up before 5 years loan that I was given. 

I made a payment of {$600.00} in XX/XX/XXXX for my XX/XX/XXXX payment and my account was not correctly balanced, I called their customer service representative about the mistake. Within two days the mistake was corrected. Again, on XX/XX/XXXX I made a payment of {$600.00} ( Interest was {$48.00}, Principal was {$550.00} ). From a previous balance which was {$22000.00} after the payment made on XX/XX/XXXX, {$550.00} suppose to be taken out of {$22000.00}. Therefore, my balance in XXXX suppose to be {$22000.00} minus {$550.00} equals {$21000.00}. Instead, the company refused to balance my account, they just wrote XXXX on the balance. I called this company from XXXX through XXXX, I spoke with their 5 representatives and a Supervisor, all to no avail. I decided to write a letter to their office in California, they ignored my letter. 
Thereafter, I decided to refinance, Hyundai Finance charged me interest on their wrong calculations, decided not to refund my {$550.00}, and later sent a check of {$3.00} as overage. 
I am filing this complaint to request for my {$550.00} plus the interest I was charged wrongly.

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 2020-07-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In XX/XX/2020 I authorized monthly drafts for repayment of my loans. I have been reported to the credit bureau for nonpayment, resulting in a drastic decrease to my score, resulting in my inability to provide housing for myself and my son.

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 2020-07-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I got a loan for my XXXX procedure. I got the loan in XX/XX/XXXX. They never sent me any paperwork with loan id # or any statements. In XX/XX/XXXX I contacted them concerning the loan. This is when I found out they would not talk to me about the loan nor take payment because I did not have the loan number. I explained that the loan number was never given to me and I am not getting any statements. I asked for a Statement to be emailed to me. They informed me that they will NOT email a copy of a statement. I tried to pay them over the phone, again they said NO they will not accept money over the phone when I do not have the loan number. I will say that last month, when I called, the rules once again were different and they allowed me to make a payment over the phone, which I have proof of via my bank however, I was never sent a receipt for this transaction from Comenity Capitol Bank ( hoping it would contain my loan number! ) Then I find out that the credit given for the loan was XXXX, which was what I knew they were paying the XXXX, it was actually XXXX they paid and now are charging over limit fees as well as late fees. This was not the money requested from them! I'm absolutely stuck and can not get any information about this loan they have given me. They are without a doubt a predatory lending practice. When reading XXXX  complaints this is a repeated issue. How this company is being allowed to do this is beyond me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
CMRE FINANCIAL SERVICES is reporting inaccurate/unvalidated information to my credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. CMRE FINANCIAL SERVICES has failed to provide me documentation on file that proves the account is accurate, nor have they deleted the inaccurate unverified accounts. I am requesting that the accounts are deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: NY

Complaint narrative:
This debt does not belong to me. I've tried for years to get it to remove. I finally got them to agree to remove it. 


Please help me get this off my credit report. 

XXXX  Transunion 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 non-monetary relief
Consumer complaint received 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
After paying off all of my debts, my credit score was listed as [ XXXX ]. Since that time, my credit card balance ( s ) average about {$500.00}. Experian continues to list my credit score as " XXXX '', even when I have no credit card debt. XXXX  [ XXXX ] and XXXX  [ XXXX XXXX scores.

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 2020-07-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I applied for and was able to open a XXXX savings account with XXXX promotion code that was to give a {$500.00} bonus if I funded the savings account with XXXX and kept the money in the account for 90 business days. I funded the account with {$50000.00} but on the 70th business day, I received an email that the account was going to be closed, per the Capital One representative for " business reasons '' after the only activity on the account was the accrual of interest. So 20 days short of the money sitting in the account for long enough to earn the bonus, Capital One decided to close the account. This feels like a bait and switch - nothing happened to my credit report or the account itself, yet Capital One pulled the " we can close your account at any time '' clause to effectively deny the promotion which was the bait to open the account. I contacted them on the day I received the closure email XXXX, and they said a letter was sent in the mail about the closure reason. I waited for 10 business days, and still not in receipt of the letter describing their decision, I called on XX/XX/XXXX. They reported the escalation would expect to have a resolution on XX/XX/XXXX. I still heard nothing, and called on XX/XX/XXXX, only to be told that no letter would be sent ( odd that they couldn't resend the letter they purportedly sent out on XXXX ), and that the account was closed for business reasons and there would be no further communication other than that. 

Basically, they kept my money for XXXX of the required 90 days, and then denied the promotion bonus of {$500.00} for closing my account for business reasons. I propose that business reason was to defraud a customer of the bonus to be earned by closing the account before the bonus would post.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
Equifax and XXXX  should not be reporting me as a authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
On Friday XX/XX/XXXX I called a company I thought would help me find a low-priced home to rent and they directed me to Lexington Law Firm for credit repair. I gave them my social security number but not verification for my credit cards ( they pressed for both ). I did not pay them anything, but I'm still worried that the number could be used by someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: CITIBANK, N.A.
State: TN

Complaint narrative:
My complaint is for a service i did receive. 
I paid XXXX {$8800.00} for a vacation to XXXX from XX/XX/2020 to XX/XX/2020 for six adults. As confirmed on my credit card statement, i paid in full for the vacation on XX/XX/2020. But XXXX canceled my reservation for both flight and resort on XX/XX/2020 and send me an email on the same day stating that will not refund my reservation and i have to reach out to my bank for refund. Since then, i have contacted city as advised from city i provided all relevant documents proving that the merchant cancelled my reservation with my consent and have not received the service from merchant. This is fraud. i did not receive the service that promise to me. This is lot o money, lot of pain and suffering. I want city to resolve the dispute

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 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
XXXX  and Transunion should not be reporting me as a authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion is publishing hard inquiries that I did not approve of on my report and not allowing me to dispute these or view my report online through the FDCPA.

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 2020-07-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a response from the 3 reporting credit bureau 's Equifax, XXXX, and XXXX  that 2 items on my credit report were correct and could not be deleted until XXXX. 

The two items in question is with XXXX # XXXX date opened XX/XX/XXXX and date open XX/XX/XXXX. On both accounts its reporting the last payment made was XX/XX/XXXX which is not true I never made a payment on either account so they are reporting false information to keep these negative accounts on my record for more than 10 years. 

When I received my credit report in XXXX it showed on these two accounts that they would be eligible to be deleted in XXXX. That did not happen so when I contacted the 3 reporting agencies they ended up extending it to XXXX which is greater than the 10 years of which these accounts were first open and I was over 120 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: PA

Complaint narrative:
I was gifted a prepaid card for {$400.00} operated by Netspend. I went through the steps to activate it and was prompted to provide my social security #. Since this information is not necessary to use a prepaid card, I did not provide it. From that point, I could not activate it online, so I called their 800 number. This system requires the verification of a social security number. If, as was in my case, you can't verify it, the automated system hangs up on you. 
Eventually, I figured out how to reach a person through this automated system. They also tried to get me to verify personal information, which they never had in the first place. They transferred me back to the automated system that didn't work. Finally, I got someone who said they could activate it if I emailed them a copy of my social security card and official government ID, which I refused to do. Then they said they could activate it but only for in-store purchases with an added fee of at least {$1.00} per transaction. 

Essentially, Netspend seems to me to be a phishing operation. They should not be asking for personal information such as social security numbers or photo ID to use a prepaid card.

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 2020-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a response from the 3 reporting credit bureau 's XXXX, XXXX, and Transunion that 2 items on my credit report were correct and could not be deleted until XXXX. 

The two items in question is with XXXX # XXXX date opened XX/XX/XXXX and date open XX/XX/XXXX. On both accounts its reporting the last payment made was XX/XX/XXXX which is not true I never made a payment on either account so they are reporting false information to keep these negative accounts on my record for more than 10 years. 

When I received my credit report in XXXX it showed on these two accounts that they would be eligible to be deleted in XXXX. That did not happen so when I contacted the 3 reporting agencies they ended up extending it to XXXX which is greater than the 10 years of which these accounts were first open and I was over 120 days past due.

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 2020-07-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a response from the 3 reporting credit bureau 's XXXX, Experian, and XXXX  that 2 items on my credit report were correct and could not be deleted until XXXX. 

The two items in question is with XXXX # XXXX date opened XX/XX/XXXX and date open XX/XX/XXXX. On both accounts its reporting the last payment made was XX/XX/XXXX which is not true I never made a payment on either account so they are reporting false information to keep these negative accounts on my record for more than 10 years. 

When I received my credit report in XXXX it showed on these two accounts that they would be eligible to be deleted in XXXX. That did not happen so when I contacted the 3 reporting agencies they ended up extending it to XXXX which is greater than the 10 years of which these accounts were first open and I was over 120 days past due.

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 2020-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
There was a late payment of 30 days late on my CAPITAL ONE AUTO Financial XX/XX/2019. I had made the payment as I always do with the Capital One app and for some reason my payment didn't process as it stated that it did. I went into the branch and also called and showed the payment history and they stated they can't help me being it was a error with the app payment. They stated I was have to contact the credit bureau to fix this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
In XX/XX/XXXX my account was closed and my available funds were taken with out no notice or explanation. They flagged my account with little information on why they want to verify my identity which I have fax documents to XXXX I have called them numerous times with no help at all my benefits continue to be paid out every week but no destination to an active account. They don't want to resend me no new card. I'm left with silence and despair with no clear direction in resolving the issue I file complain towards bank of America and Arizona DES for partnership in this. I was able to verify DES has received my documents but held to reverse their actions.

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 2020-07-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently sent letters over 60 days ago to this bureau Transunion and they are disregarding a regular consumer dispute. I'm stressed and extremely upset at this company because I've been sending letters before this and still no response.

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 2020-07-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

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