vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-07 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: CITIBANK, N.A.
State: MT

Complaint narrative:
I applied for and was approved for Citi American Airlines credit cards. I fulfilled the promotional spending terms of the offer and Citi awarded me those miles. However American Airlines confiscated those miles and terminated my account citing the miles were obtained fraudulent. They cite a 48 month eligibility restriction on getting those miles but no eligibility restriction in the terms and conditions existed nor existed in the application page terms and conditions. They claim Citi had those promotional offer restrictions in the header of the application page but that is false. The imply or insinuate that Citi is the one that is behind this deceptive, unfair and unreasonable action and confiscation. Citi vetted and approved my applications and I fulfilled the terms of their offer therefore this amounts to a deceptive bait and switch. No such 48 month eligibility bonus restriction language existed and this allegation is completely false. 

I am asking for citi to confirm that this 48 month eligibility restriction language did not exist and that earned miles were legitimately earned. Futhermore I would like citi to either provide me with the miles or monetary equivalent and/or compel American Airlines to reinstate my account and miles.

Regards XXXX XXXX AA Account # 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 2020-03-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020, a payment was made in the amount of {$150.00} inadvertently as the amount intended was XXXX ... ..This was not recognized until noticed that a late payment 30 days+ for {$3.00} was reported on XX/XX/XXXX ( on which date a payment of {$150.00} was also made ) 2020 ... ... I am unable to submit to the company as they do not have 24 hour customer service, nor online mailing, but I have been a client for years, and a payment was made withing 30 days. I understand this was a keying error and not recognizing this at entry time ( I have poor eyesight, and thought the amount was actually XXXX due, and that the XXXX would have been more that what was due in any event ). I am asking that the Creditor please review my account, and consider removing the late payment reported to the credit bureaus for the amount of {$3.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
This is a unverified debt i ask the company to show proof of the debt belonging to me I never received the proof

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX SSN # XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX Last reported XX/XX/XXXX {$9300.00} Open balance 12 XXXX XXXX XXXX Original creditor XXXX  OpenedXX/XX/XXXX ( 6 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor name12 XX/XX/XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2300.00} Open balance 12 XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 7 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor name12 XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 8 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor nameXXXX XXXX XXXX XXXX   XXXX XXXX XXXX Last reported XX/XX/XXXX {$620.00} Open balance 11 XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 4 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor name11 XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$250.00} Open balance XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 5 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksConsumer disputes

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 2020-03-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian continues to report a derogatory ( " Bankruptcy '' ) public record on my credit report, and has failed to provide a complete description of all methods used to investigate my dispute as I have requested. ( See Attached Letter ). Experian has not provided proof that they have gone threw the proper and logical steps to validate my 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 2020-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: KY

Complaint narrative:
This hospital debt ( see below ) keeps getting rolled over on my credit report. Debt collection agencies keep buying and selling this debt account. The result is this debt is being reported as a new debt on all three of my credit reports. Leaving it on my credit reports in perpetuity. It is my understanding a debt is supposed to be aged off a credit report after 7 and/or 10 years. I was admitted to the hospital.  I don't remember the exact year I was admitted. To the best of my recollection it was anywhere between the years of XX/XX/XXXX and XX/XX/XXXX. I would have to request the medical records to provide you the exact year. Which I am willing to do if necessary. Below you will find the latest information about this debt pulled from my credit reports. 

COMMONWEALTH FINANCIAL Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$600.00} 0 % paid off Loan Amount {$600.00} Contact XXXX XX/XX/XXXX Collection Department / Agency / Attorney XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PAXXXX ( XXXX ) XXXX ( tel:XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX SSN # XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX Last reported XX/XX/XXXX {$9300.00} Open balance 12 XXXX   XXXX XXXX  Original creditor XXXX  OpenedXX/XX/XXXX ( 6 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor name12 XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2300.00} Open balance 12 XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 7 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor name12 XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 8 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor nameXXXX XXXX XXXX XXXX   XXXX XXXX XXXX Last reported XX/XX/XXXX {$620.00} Open balance 11 XXXX  Original creditor  XXXX OpenedXX/XX/XXXX ( 4 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor name11 XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$250.00} Open balance XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 5 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksConsumer disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SSN # XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX Last reported XX/XX/XXXX {$9300.00} Open balance 12 XXXX XXXX XXXX Original creditor XXXX  OpenedXX/XX/XXXX ( 6 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor name12 XXXX XXXX XXXX XXXX   XXXX XXXX Last reported XX/XX/XXXX {$2300.00} Open balance 12 XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 7 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor name12 XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 8 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor nameXXXX XXXX XXXX XXXX   XXXX XXXX XXXX Last reported XX/XX/XXXX {$620.00} Open balance 11 XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 4 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor name11 XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$250.00} Open balance XXXX XXXX XXXX Original creditor XXXX  OpenedXX/XX/XXXX ( 2 yrs, 5 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksConsumer disputes

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 2020-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Original loan was XXXX, this loan is to old to be showing on my report as date of loan was XX/XX/2014, due to length loan has been on report and fact the company has transferred this account to another credit reporting company. The original date of loan is now showing current date. This isnt the original creditor so the information is being reported as delinquent when in fact original debt should be removed from report and credit reporting agency is reporting fraudulent information to show negative remarks when in fact this account should be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: TX

Complaint narrative:
Used Western Union to transfer money they sent me a email stating the money transfer is ready to then turn around and stop payment I then called them to discuss this action and multiple csr were uneducated about their practices I asked for. a manager miss XXXX and she told me very vaguely they stop due compliance my bank statements prove that the money is been taken out and not refunded and their confirmation email stating the transfer is ready for pick up Contradicting the whole process manipulated by them while holding my money and this may not be the only issue within the company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Midland Credit Management has placed a collection on my credit profile claiming that I owe {$490.00} to XXXX XXXX. I've never had an account with them nor do I owe any amount to that company. On XX/XX/XXXX, Midland Credit Management claimed that they notified the credit bureaus to cease reflecting the collection tradeline on my consumer credit files. Midland Credit Management lied about that. This frivolous collection still remains on my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XX/XX/XXXX my XXXX account was used fraudulently to make dozens of purchases online. I was XXXX overseas so I wasn't able to call Capital One to dispute the charges so the account remained with a high balance and missed payments piling up When I returned I immediately called Capital One and they removed the fraudulent charges and sent me a new card. They said they'd remove the 4 late payments since it was directly caused by fraud but it was never removed. I've sent Capital One multiple letters to remove the inaccurate late payments for XXXX, XXXX, XXXX and XX/XX/XXXX but they only tell me the information is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I recently noticed that National Credit Adjusters has placed a collection on my credit reports. This is a debt that I DO NOT OWE and is not mine. This alleged debt was recently removed when it was owned by XXXX   XXXX. I am sick and tired of this debt appearing on my credit reports and tarnishing my credit worthiness. Neither of these companies have provided proof that I owe this debt because IT IS NOT MINE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Telerecovery Corporation
State: LA

Complaint narrative:
Telerecovery is reporting a medical collection on my XXXX  report and it was paid in full via cashiers check as requested. When I initially spoke to them, they offered to delete the entry from my credit report upon payment in full. Once I made the payment they proceeded to tell me that they can not delete the collection account because I have another account in their company from 2004. I have never received any type of written communication about this debt. Even though Telerecovery agreed to delete the collection account, they have decided to not honor the agreement due to an old account, which clearly the statute of limitations has been exhausted.

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 2020-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
A fraudulent account was opened in my name and repossessed by the bank. My identity was stolen to conceal this purchase and now capital one is trying to have me pay

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wellsfargo closed my acct and my daughters due to fraud on acct. I never commutes and fraud on my acct. my card I forgot in the atm. When I realized my mistake I returned back to the bank and was given my card by an associate in wellsfargo. I was a bad practice of mines but my pin was on the back of the card, because my daughter. I was sent an email as well that I noticed hours after forgetting my card sent by an employee of wellsfargo. All four of my accts were closed stating fraud. They deducted {$800.00} from my acct and mailed a check with the remainder balance. I was truly upset as when I found my mistake I immediately visited the bank. My acct # XXXX my checking. I cant remember my other accts. My acct was closed XX/XX/XXXX or XX/XX/XXXX. {$400.00} was removed from my checking and {$400.00} from one of my savings. Ive rarely had an issues with my acct. Even when I was charged {$450.00} of overdraft fees for purchases made in XXXX on vacation. All purchases made were under {$12.00}. I never have I opted into overdraft because I rather get denied than pay those fees. Yet, I was still charged instead of being denied. After being in good standing many years with bank my acct was closed and funds deducted from accts to cover {$800.00} associate led with fraud. 
Wellsfargo previously waited until XX/XX/XXXX to finally give a resolution that enough info was given, and I need to provide info and send by mail to them. So my issue could be investigated immediately. This is really upsetting, because they had ample time to request that information with in the 60 days but they didnt! Which allows me to believe my issue was ignored and will continue to be ignored! Since there fraudulent employees didnt follow proper procedures, and closed my acct. I dont have any of my banking statements for this incident as my access to online banking was deactivated.

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 2020-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Recovery Management
State: TN

Complaint narrative:
it showed XXXX dollars and then it went up to XXXX so I dont understand how I didnt know at first but then all of a sudden I owed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I fell behind on my mortgage payments about 52 days. I called my personal relationship manager at  ocwen loan servicing because I was concerned. She informed me that ocwen would accept payments as long that they were made before 89 days. I still had 37 days to work with. A few days later I called my relationship manager to ask her a question and at that time she said you only have 2 days to make a payment. just 2 days ago I still had 37 days before ocwen would not accept a payment. I could not believe what I was hearing and I could not make the full payment then. I could make the payment in 5 days not 2days. I sent a complaint letter to the research department for ocwen Some time later they wrote back saying your relationship manager did say she was sorry. They did not even address the timeline mistake for payments. They ignored all that was talked about between me and my manager about the timeline for payment, nothing. I was so upset. Sometime passed and I Applied for a repayment  plan. Ocwen approved it so I had to e-sign and transfer a down payment to them within a certain timeline. I completed what they asked for before deadline. Then on the day of the deadline I called ocwen to check in with them and they told me that repayment plan was canceled because of nonpayment. Again I could not believe what I was hearing! I sent them proof of payment and some time passed and they realized they lost the money. Meanwhile the mortgage payments are accumulating. During this time my mortgage was moving from ocwen to phh mortgage. Today Friday XX/XX/XXXX, I was denied a mortgage payment modification. Ocwen and or phh mortgage owe me a fair mortgage rate for what I have been going through with them!!

Company response to consumer: Closed with explanation