vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-21 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: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I got my wisdom teeth out at XXXX XXXX in XXXX, KY in XXXX of XXXX. 
My insurance would not cover the expense of {$1500.00}, so they set me up with a plan to pay my bill " interest free '' with a Care Credit credit card. I was not aware of any promotional benefits expiring in XX/XX/XXXX, so I set up autopayment with my XXXX card and waited patiently for the day my balance would be paid off. That day never came, and in XXXX of XXXX, I unknowingly received an increase in my owed balance of {$580.00} when I owed only {$650.00} left. This made my balance increase to {$1200.00}, which is only {$350.00} less than my initial balance. Not only had my balance increased, but I was also unwillingly now paying 26.99 % APR on this balance. I was not aware of these occurrences until I ran my credit report and discovered an increase in my debt owed late in XXXX of XXXX. I immediately reached out to Care Credit customer service, which was of no help and treated me like I was in the wrong by not being aware of the events that occurred and why. I talked to four customer service representatives who were not sympathetic ( XXXX XXXX, XXXX, XXXX, and XXXX XXXX and one collection accounts XXXX, XXXX, who was not helpful at all. After a little research, mainly while I was on hold between transfers, I discovered in XXXX a complaint was made about " deceptive enrollment process '' concerning the CFPB found that service providers misled some consumers by not providing adequate guidance clearly laying out the terms of the deferred-interest loan. For the record, I was given a minimum monthly payment that I paid every month, never missing one payment. I feel like the minimum payment was chosen by the provider in order to ensure the balance would not be paid by the end of the promotional " interest free '' period. If I had more information, I would have paid the correct amount to avoid the extra charges, including an outrageous increase from 0.00 % APR to 26.99 % APR on a balance that was roughly 78 % of my original balance. Please advise if there is someway to appeal this. If not, I will need to make a decision quickly on how to deal with in order to avoid financial disaster. Thank you for anything that will 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 monetary relief
Consumer complaint received 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have a bankruptcy that does not belong to me. I have tried to dispute and remove the bankruptcy with all three of the credit bureaus. They have told me the information has been verified. I have PROOF that the Bankruptcy Courts have not verified anything, and that this lawfully should be removed.

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 2018-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: MT

Complaint narrative:
I received a letter of collection from XXXX XXXX regarding a doctor billing from XX/XX/XXXX from XXXX XXXX XXXX in Washington State. This bill was never billed to my insurance and I had a conversation with this collection agency on XX/XX/XXXX regarding this amount and it was never billed to insurance. They indicated they would send it back to XXXX and not to worry about it. I received another notice with the same bill and now they are adding interest. I DO NOT OWE THIS BILL - IT IS XXXX XXXX XXXX ISSUE THAT THEY DID NOT SUBMITT THIS TO INSURANCE

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 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have a bankruptcy that does not belong to me. I have tried to dispute and remove the bankruptcy with all three of the credit bureaus. They have told me the information has been verified. I have PROOF that the Bankruptcy Courts have not verified anything, and that this lawfully should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
i HAD MEDICAID /access I was on PUBLIC ASSISTANCE AND HAD MEDICAID INSURANCE I C SYSTEM Last reported : XX/XX/XXXX {$460.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$460.00} Highest Balance {$460.00} Opened XX/XX/XXXX ( 2 yrs, 7 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX See an error? 
DIRECT DISPUTE You already have a dispute in progress. You can open a new dispute when the current one is complete. 

CHECK DISPUTE STATUS Creditor Information I C SYSTEM XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) 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 explanation
Consumer complaint received 2018-08-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am starting to repair my credit to try to become an homeowner. I noticed that I have several inquires for finance companies, look like car dealerships. I have NEVER applied for any type of car loan. I have sent XXXX, Equifax and XXXX over 2 months ago and no response. This is really frustrating. Every time I reach out to the bureaus, I get someone from another country. I think my information was accessed during the breach. Can you please help me rectify the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
XXXX Closed my account and I tried to resolve issue its been more than 7 years .Sprint has NON ETHICAL business practices. 

XXXX XXXX Last reported : XX/XX/XXXX {$300.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$300.00} Highest Balance {$300.00} Opened XX/XX/XXXX ( 2 yrs, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX See an error? 
DIRECT DISPUTE You already have a dispute in progress. You can open a new dispute when the current one is complete. 

CHECK DISPUTE STATUS Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) 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 explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I am a victim of fraud. An individual pretending to be a landlord requested two wire transfer 's, first transfer for {$4200.00}, second transfer for {$3700.00} for a total of {$7900.00} to cover a rental deposit and three months rent. I regrettably initiated both wire transfers from my personal checking account at XXXX XXXX  XXXX. The first wire transfer was sent on XX/XX/2018 and the second wire transfer was sent on XX/XX/2018 to an account with Chase Bank. I am submitting this complaint to seek aid in receiving a refund. I sincerely appreciate your time and attention to this. Please let me know what additional information I can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I successfully transfer money earlier today by using money gram to do the transaction. When the receiver went to collect the money they had a note for the sender to call money gram. When I did they start asking me personal questions! I provide them with whatever they wanted, then they said they have to transfer me to security. I said ok! Then they told that the security not gon na clear the money. I asked why they said they not gon na give me a reason, then told me the money wont be available to me for another 3-10 business days and can be longer! If for some reason they didnt want to transfer the money but why do I have to wait for up to 10 days for my money to be sent back to me! And they was very rude about it. I wont be using their services any longer just want my money to return back to me ASAP or the same time when I wasnt the one to not release the money or not sure why they didnt release the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am starting to repair my credit to try to become an homeowner. I noticed that I have several inquires for finance companies, look like car dealerships. I have NEVER applied for any type of car loan. I have sent XXXX, XXXX and Transunion over 2 months ago and no response. This is really frustrating. Every time I reach out to the bureaus, I get someone from another country. I think my information was accessed during the breach. Can you please help me rectify the problem.

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 2018-08-21 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: UT

Complaint narrative:
My student loans are in deferment but my credit reports were sent information that 17 loans increased from XXXX -XXXX  in the amount of {$3400.00} and 17 separate entries were added to my accounts with the comment fixed rate. This was 34 hits to my credit report. I called XXXX today and spoke to an agent who said she has no idea what the charges are for or why 17 comments were made. She had no record of any new charges or comments being added to my accounts her employee Id is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: AZ

Complaint narrative:
I was on medicaid they had my medicaid information. 

PARAMOUNT RECOVERY PARAMOUNT RECOVERY Last reported : XX/XX/XXXX {$100.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$100.00} Highest Balance {$100.00} Opened XX/XX/XXXX ( 2 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXXXXXX XXXX XXXX See an error? 
DIRECT DISPUTE You already have a dispute in progress. You can open a new dispute when the current one is complete. 

CHECK DISPUTE STATUS Creditor Information PARAMOUNT RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The Bank of America Preferred Rewards program advertises for platinum-tier members a 50 % bonus on eligible cards, which the Premium Rewards card is among. After reviewing all related terms and conditions, I found no clear indication that this 50 % bonus excludes the reward granted for spending {$3000.00} in the first three months of membership.

Not wishing to act on misinformation, I sought and obtained the assurance of as many as four branch representatives that my interpretation of the terms was correct and that I would indeed obtain a 50 % bonus on the reward received for spending {$3000.00} in the first three months of membership.

Although initially I contacted a representative of the credit card itself, she could not state with certainty whether the reward would apply and had advised me to visit a branch location for further confirmation -- which, as described above, is exactly what I did.

Despite the certainty of the branch representatives, it turns out we were all deceived. ( I assume none of the representatives were intentionally lying to me. ) The advertising and the terms and conditions of all relevant programs -- their Preferred Rewards program and their Premium Rewards credit card -- are sufficiently ambiguous that even Bank of America 's own employees failed to interpret them accurately.

Needless to say, I feel cheated.

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 2018-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I had made 2 payments to a receiver the first one for {$970.00} and the second one for {$110.00}. The second payment went through fine but the receiver said that the first one was listed as unauthorized and that they couldnt access the funds. I was then received an email from Paypal stating that I reported my payment as unauthorized and that I set up a dispute caseit even stated that I made a comment about it being a spoof claim. I did none of these things. And because a dispute case ID was created in error, I had no access to my funds. That payment was due the day that I sent it. I am already in financial trouble now, and I only have a few days left of my semi grace period that was so kindly extended. I called so many times, I talked to 14 people total was transferred a total of 9 times and was on hold for a total of 7 hours. Every single representative said that I needed to talk to someone else and every single time I was transferred not a single person picked up. And I was calling internationally so it cost me a fortune to wait for nothing. I emailed multiple times, and tried different departments. On XX/XX/XXXX my account activity said that my {$970.00} was transferred from bank and that the transfer was completed. It did not say where to and it said that it was transferred from my paypal balanceI did not have any money in my paypal balance. That money was supposed to be correctly refunded back to my debit card that I used, and the funds would have been accessible within the day. Instead, there was no communication, and I have no idea where my money it. It is not in my account, and my bank looked into it and said there isnt even any sign of a refund pending and they have even started a claim. I need that money immediately, I am now in financial trouble due to an error from Paypal and they are ignoring my concerns and not helping me. They can not hold my money like that for no reason and not communicate with me to tell me where it is and why I do not yet have it. I feel as though I am being scammed. I need that money returned asap. I have even contacted their executive office and no one will respond to me. It is illegal to hold someones for no reason and without communication. This is an emergency for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had got Care credit for dental, and after so many months there's was a large sum of interest was added which I didn't even know that was gon na happen. I never received an adequate explanation of the terms. No one explained to me when signing up that was going to happen. I was told I just needed to pay my account balance. I opened this line of credit in XXXX, I struggled in XXXX, because of the added interest amount added and high interest and I couldn't pay. The highest balance was {$600.00}, and I checked my report and now I have a balance of {$1200.00} in collections ( ridiculous ). 

I am writing this because I just came upon this lawsuit against GE capital bank. I am wondering if I am able to get reimbursed due to my situation. Thank you, and I hope to hear from someone soon. 

CFPB Orders GE CareCredit to Refund {$34.00} XXXX for Deceptive Health-Care Credit Card Enrollment

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 2018-08-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reported a complaint to the CFPB back on XX/XX/XXXX regarding XXXX, XXXX and Experian reporting an account that did not belong to me from XXXX XXXX XXXX under account # XXXX. I sent in the police report and identity theft report with that dispute. XXXX and XXXX deleted the account but Experian did not. This account was filed under identity theft and I demand that it be removed immediately, Experian should be following suit with XXXX and XXXX. This account does not belong to me. My rights are being violated by them not following suit with the other bureaus. I demand action please immediately.

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 2018-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I received a call XX/XX/2018 that I needed to pay my last due balance of {$140.00}. I told the rep I would do a transfer in cash before XXXX. He said I should pay with my checking account and I promised to make a payment. I told him last month I received a 30 day late payment and I paid XX/XX/XXXX. He said that payments need to be received by the XXXX every month. On my credit so far I am charged three late payments. Navy Federal is destroying my credit. I think they are personally attacking me due to my last complaint on this website. I am trying to repair my credit but this is the only credit card destroying my credit. I told the account representative that I almost died XX/XX/2018 when I XXXX XXXX to a XXXX XXXX at XXXX XXXX. However, the only option was deferred payment for two months or close your card out completely. I want to remain a navy Federal customer I just want them to stop reporting me late for all of these months. I have  never ever missed a payment. I have a XXXX XXXX XXXX on a XXXX XXXX. I cant even get a new car because of the status of Navy Federal. Please assist me with the {$82.00} of fees that was charged since XXXX XXXX.due to these ridiculous fees Im now over the limit. Ive brou amazing business to Navy federal. I co own a card with my mother and I pay hers completely every month. Her payment is less money and I charged XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
On Wednesday, XX/XX/XXXX, I transferred {$1100.00} via Western Union to a friend in XXXX ( name, XXXX XXXX ). The transaction Tracking Number is XXXX. Western Union charged a {$15.00} fee, as well as taking a profit on the currency exchange of approximately 5 %.

I made the transfer based on Western Union 's representation that the funds would be available to the transferee in " 1 to 2 business days. '' The funds were not available in 1 to 2 business days. It's now been 3 full business days and the funds are still not available.

I called Western Union to ask about the status and get a refund of the {$15.00} fee since Western Union did not perform as promised. The agent I spoke to lied to me ( she said the funds " are now available '' when they are not ), that it was " not possible '' to refund my fee, and then said she was transferring me to " the department that can help you. '' She then transferred me to a dead line. I was courteous at all times during the call, but would not accept answers from the agent that were obviously false.

Company response to consumer: Closed with explanation