vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-25 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: Bull City Financial Solutions, Inc
State: VA

Complaint narrative:
This is concerning XXXX XXXX of North Carolina. I was first contacted in 2014 by their collection department stating I owed {$200.00}. 
I explained to the person that I have never lived in the State of NC so this was impossible & that someone must be using my personal information fraudulently. They did their investigation and told me they obtained my information from a rental application for an apartment. I then contacted the rental company who had also filed a claim against me for non payment of lease. I was shocked because I have never lived in NC. The rental agency cleared me of all liability. I contacted XXXX XXXX again and they assured me not to worry that the charges would be deleted. I thought this was supposed to be handled in 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: NY

Complaint narrative:
We had a missed auto pay in XX/XX/XXXX. We made emergency payment. They said we were all set. Then they never took money out. Months passed. We made more Emergancy payments. Said we are all set again. It was t the case. They dont service the loan they sell. Cant answer us if we are back on track. Cant e mail us confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Lvnv is trying to collecrvon a debt that does not have my social security number whenni call they can not talk because it's not my ssn but it's on my report and they will not take it off I went on line and try to get account information I can't it's not my ssn Also this debt has been deleted and re-inserted which I am to be notified by credit regulations This company is breaking more than one law by keeping it on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Global Financial Mortgage, LLC.
State: AR

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX. I contracted with XXXX XXXX at Global Financial to assist in finding me a loan to purchase property at XXXX XXXX XXXX, XXXX XXXX, AR from XXXX XXXX XXXX, XXXX. I sent her a cashiers check in the amount of {$2800.00} which was to be returned to me if they were not successful in securing a lender of my satisfaction, which they were unable to do. On XX/XX/2019, I requested that the money be returned to me. This has not happened and the XXXX has stated that the owner has given her several statements as to when the money will be returned. I would like to file a complaint with your department in the hopes of retrieving my deposit which I was assured would be placed in escrow and returned to me upon them not being able to meet their obligations to me. 

XXXX XXXX has now informed me that the owner of Global Financial has died and his wife is now running the company. Her name is XXXX XXXX, phone number XXXX. I spoke with her and she gave me a response that she would send me a check in two weeks after she told Ms. XXXX ( according to her ) that the check had already been cut and would go out the next day. I have tried to contact Ms. XXXX again numerous times and have not been successful in reaching her. She has not returned messages that I have left. 

I have attempted to file a complaint online but was not successful. I am not sure what I was doing incorrectly. I fill also follow-up this email with a phone call to your department on Monday.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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: I.C. System, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX This is from 2017 but seemed a lot longer ago. 
I was given a XXXX/XXXX XXXX to wear and was assured by the office manager that it was fully covered by my insurance company 100 %. 
I took the brace home, never wore it, then received the bill for {$180.00} and that it was not covered by my insurance company. I called XXXX XXXX XXXX XXXX XXXX and spoke to the office manager who said there was nothing she could do. I explained to her that I could not afford to pay {$180.00} and that I would return the XXXX. She refused and I told her I was bringing the XXXX back anyway because they told me it was no charge, I could not afford it & it was not unworn. I returned the brace to their office the next day & they have since refused to take responsibility for their error or acknowledge that I brought the XXXX back.

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 2019-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My first name is spelled wrong on my account with Experian and their credit reports. There's no way to change your name on the website and following the phone prompts when I've called in leads to me being disconnected and told to check the website for resolution.

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 2019-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On the morning of XX/XX/2019, I visited the TransUnion website to pull my credit score. I have never used TransUnion and do not have an account with them. I had done similar with XXXX the evening before. 

As part of the account setup process, there was a request for my credit card. I thought this was odd, and scrolled back up to see if there were any references to fees or services. I did not see any and so assumed they were seeking to have a number on file in the event that I opted for any services once my account had been setup ( XXXX offers a number of paid services from within the account ). Inside the site, I did not see any references to fees though I did see services that looked as if they would require a fee if I were to request them. At no point did receive a confirmation of requesting a services for which there would be billing nor even see a notification of price for a service. 


Under my profile tab, I noticed a number of boxes agreeing to promotional emails, which I unchecked. I also saw a box to opt into receiving text messages whenever my a request to access my credit was received, which I checked. This prompted a request to enter my cell phone number and an instruction that I would receive a code to confirm. Within moments, I received a confirmation code as well as an email. Within the text of that email was a reference to a XXXX fee and confirmation of enrollment in a monthly subscription fee of the same amount for ongoing credit monitoring. 


That email was the first reference I had seen anywhere to a service fee. To their credit, I was able to get the company to refund the money after a period of time on hold. All the same, the manner of the whole thing left me with a bad taste. Even XXXX 's buy-now buttons make it explicitly clear that you are entering into a transaction. 


TransUnion 's practices around opening accounts for credit monitoring deserve regulatory scrutiny. The company may have set it right, but even then the customer service rep noted they were granting a one time " exception '' and that it would be a number of business days before a refund could be processes for a transaction that had been process minutes before. I believe TransUnion has deliberately attempted to trick consumers into signing up -- if that term can even be accurate where there is no meeting of the minds -- for their services. This places the onus on the consumer to unwind the transaction. A shifting of the burden. Consumers should not be backed into service agreements, particularly not by a credit monitoring service from a company that profits by trafficking in their 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 explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
COMENITYBANK/VICTORIASSECRET They all of a sudden closed my account and now it shows as a derogatory mark. I have worked extremely hard to get my credit to good and excellent. There was no reason to close me. I have not used the card in a few years and there has not been a balance so I don't understand why it was closed. No explanation, just closed. And now it goes against my credit ; this is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have XXXX credit line on my Capital One Savor card. I made a payment that was process on XX/XX/XXXX. It is now XX/XX/XXXX and i still do not have the available credit reflecting $ 500+ that was that was recently paid via deduction out of my bank account 4 days prior. I called the company and rep XXXX said we need to confirm with the bank the are close. I pleaded that all my accounts are in good standings. O balances never had a late payment or a rejected payment. Ive been a cutomer for over 6 years so why is there a hold on my account. All i get is " because its a new card '' my 5th capitla one cpital one card btw. I said you guys process the payment on your end as well. Why is my available credit on hold? Asked to speak with a manager -- XXXX XXXX Have no idea what customer service is all about. I want to cancel all of my credit cards with them over this. If i csnt get my available credit today im cancelling all services with Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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 — Investigation took more than 30 days
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
Exeter Finance refuses to supply the REQUIRED documents for account # XXXX. 
Ive requested the legal notices that were sent to me as proof of the date and time of the resell also Exeter refused to send legal copies showing the amount they received after the sale Exeter has not provide copies of the legal notices for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX refuses to supply the REQUIRED documents for account # XXXX. 
Ive requested the legal notices that were sent to me as proof of the date and time of the resell also XXXX refused to send legal copies showing the amount they received after the sale XXXX has not provide copies of the legal notices for anything.

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 2019-08-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX refuses to supply the REQUIRED documents for account # XXXX. 
Ive requested the legal notices that were sent to me as proof of the date and time of the resell also XXXX refused to send legal copies showing the amount they received after the sale XXXX has not provide copies of the legal notices for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX refuses to supply the REQUIRED documents for account # XXXX. 
Ive requested the legal notices that were sent to me as proof of the date and time of the resell also XXXX refused to send legal copies showing the amount they received after the sale XXXX has not provide copies of the legal notices for anything.

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 2019-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
This started in XX/XX/XXXX not XX/XX/XXXX as reported on credit. I cancelled the XXXX service within the 30 day trial period but XXXX did not close the account until after the period and then wanted to collect. This was in XX/XX/XXXX. The debt has been sold to a debt collection agency and they filed on my credit report in XX/XX/XXXX. I do not owe the money and at worst it should show original date of XX/XX/XXXX and be coming off report soon. Every time another debt collection agency buys the debt, the file date changes. This could last forever for a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I have a Ashley Advantage credit card through Synchrony Financial, I made two separate purchases at different times, when Synchrony posted my purchases on my online account I set up an auto payment of {$140.00} mth, I wanted to know how my payments were going to be allocated - split between the purchases because Synchrony Financial doesn't show them on the statements where they are posting the monies. I called the billing dept. after the second purchase and I was told they would take my payment and split it between both purchase posting the minimum payment and the extra monies would be put toward the payment with the deferred interest purchase. 

On XX/XX/XXXX I login in on my online account and decided to call & ask what my balance is on each purchase since they don't show it on the statement. This is when I was told differently that my {$140.00} mth payment is only being applied to my first purchase that is interest free and NO MONIES is being posted on my purchase that has a deferred interest for XX/XX/XXXX. I blew my top and said this is wrong, this is how they are socking back interest to customers because they aren't splitting the payments on the accounts, customer service stated there isn't a way to allocate payments online and I would have to call in on a month basis to do that which is insane! They told me I should call the Ashley 's and talk to them. 

My first purchase has NO interest until paid in full and the 2nd purchase has NO interest for 12 mths SO XX/XX/XXXX is when the interest will start if not paid in full and NONE of my monthly payments since XX/XX/XXXX have been posted toward the purchase that has the deferred interest.

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 2019-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Hi, I did not receive statements from my Citibank credit card for the months of XX/XX/XXXX &  XX/XX/XXXX. As a result, I was unaware I had a balance on the credit card. As a result I was charged {$60.00} in late fees & {$6.00} interest. 

I never signed up for paperless statements. The bank is claiming I did sigh up for paperless statements. I would never do this. I am not sure if I would have to opt-out of this. 

I fell as though I have been cheated by Citibank. The 1st electronic statement I did receive was on XX/XX/XXXX, in my email. 

When I called the bank to complain about these late fees, they refused to waive the fees. 

I am sure I am not the only person being cheated by Citibank.

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 2019-08-25 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: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I applied the American Express skymiles credit card in XX/XX/XXXX. But i didnt received it. After waiting, I called they mailed agin, then I still didnt received. Then I called again, finally I got the card at XX/XX/XXXX. But it pass the time of three moths limits that I can get my rewards. They tell me I couldnt get the points for it passed three months. But it is American Express fault not mail it right. Why should I not received the rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I changed my amex credit card because a fraudulent act so they send me a new one. But they let 2 different vendors even if they have the wrong card number charged my account without my consent. It was XXXX in XX/XX/XXXX for XXXX $ and also XXXX on XX/XX/XXXX for XXXX . They also try to call me on Sunday XX/XX/XXXX at XXXX totally out of legal hours

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a hard inquiry by Capital One that is negatively impacting my credit score.

I contacted them immediately by phone and they were unable to see it in their system at all bit said it would be investigated. The inquiry remains in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I asked for a refund for online exams purchased XX/XX/XXXX, totally in the amount fo XXXX , from the XXXX XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. The merchant emailed me with approval of the refund. I never received the refund in my PNC virtual wallet account. On XX/XX/XXXX I contacted the merchant via email with no response. On XX/XX/XXXX I sent another email to the merchant followed up with a phone call wherein the merchant denied having the funds of XXXX $ since having " process the refund request on XX/XX/XXXX ''. After waiting to deal with the merchant directly I was out of the 60 day window period that obligates PNC to deal with a transaction dispute. I filed an out of window dispute request with PNC anyway wherein PNC did not look over my case and simply said they would not approve the dispute because it was past the 60 day window. I filed this out of window request because it is out of window- there should be more consideration and reasoning as to deny the request than stating that it is out of the 60 day window. I do not believe PNC fulfilled its obligation to not facilitate fraud by allowing the merchant to fraudulently keep my XXXX $ via not looking at my case.

Company response to consumer: Closed with explanation