vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Spoke to a customer service representative named XXXX on XX/XX/19 to lower my interest rate was refused the option even though I have never been late since I had my credit card Explain to several representatives that I was having hardships and explain what the problem was, and still, I was told to call back several times, I closed my account on XX/XX/19 and I was told that I would still have the option to pay my bill online, but Citi bank disable my account and refuse to send out paper statements so I can pay my bill. 
Sent out a hardship letter the beginning of the month asking for a couple of months to pay a certain amount until I could start back paying my regular payment and was not given the options by representative XXXX was told to call back. Made my last attempt to make arrangements on my credit cards and spoke to XXXX XX/XX/19 and she had to start all over with the process of qualifying me for a program with Citi Bank to make payments. 
I went online XX/XX/19. To pay my bill and my accounts had become disable and I was unable to do so. Vice president sent me a general letter requesting me to call customer service and the Credit Card company has made it impossible to work with them. If they are going to disable my account where I can not pay them online, which was convenient for me, I should have been told that when the arrangements were made today by telephone by 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 2019-06-08 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: U.S. BANCORP
State: KS

Complaint narrative:
I applied for a US Bank card several months ago and was approved. It was advertised as 0 % on balance transfers for 20 billing cycles and 0 % on purchases for 20 billing cycles.

Our air conditioner recently went out, so we decided to put the new air conditioner on the US Bank card for the 0 % for 20 months. When completing the balance transfer, the months were never clearly disclosed when prompting through the system. Specifically, no months were listed, period. Their system refers the customer back to the original promotion.

When the account billed, it stated the promotional period of 0 % ends on XX/XX/XXXX -- that is not 20 billing cycles. Essentially, the 0 % applied from the first date of the first bill they sent out. They should have clearly disclosed this in the terms when I applied for the card and when the balance transfer was completed. Ordinarily, a company would clearly say the interest rate applied for the first 20 billing cycles. This would imply from them date the account was opened -- they would not simply say billing cycles. Billing cycles implies to the customer that it is from the first time the purchases was billed. 

I am sending a copy of the advertised promotion from XXXX. I am also sending a copy of the statement. If needed, I can send the written terms their system generates when applying for a balance transfer.

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 2019-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Circle Internet Financial

Complaint narrative:
On XX/XX/XXXX, altcoin $ XXXX collapsed more than two thirds of its value during the day, resulting in the margin lending pool incurring a more than {$13.00} XXXX USD loss. Poloniex took 16  % of lenders ' BTC to cover the loss to the lending pool. 
XXXX has been a dead project since 2016. Somehow A REGULATED EXCHANGE not only kept listing it but allowed margin trading to the tune of XXXX BTC of exposure. After the loss they try to persuade lenders like " ... this was a risky transaction and you should have known you could lose your money ... " by writing blog posts, but this wasn't clear before their failure. 
The loss is only because of Poloniex 's system bug and they have to pay back customers ' money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: FL

Complaint narrative:
Dear CFPB, all three credit bureau and XXXX XXXX, I have received a notice from the collection firm XXXX XXXX ( original creditor is XXXX XXXX XXXX ) suggesting I owe {$260.00}. This account was previously under XXXX XXXX and it was remove between XXXX and XXXX because this item as well as the original creditor were disputed, now this same collection agency that was REMOVED on all 3 credit files has re sold my account to a new collection agenct, who have threaten me and sent a notice that if I don't pay this debt ( which is not mine ) within 30 days from notice that " ... ..report this account on your credit history ... ''. So now I will yet take another hit to my score which is wrong, I humbly request since this account was already remove from the same original creditor XXXX XXXX XXXX. That it be remove OR not allowed to report false erroneous collection on my credit file, this debt does NOT belong to me. Also as all bureau are aware that I'am an identity theft victim, I would like to advice that I have received my results from XXXX that my Social Security number has in fact been found associated with another individuals account information, I have taken a picture of XXXX notice with the results I ask you also take into consideration this document for all other items in dispute. I also have attach more documents associated with notice receive and also more proof.

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 2019-06-08 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: FL

Complaint narrative:
Dear CFPB, all three credit bureau and XXXX XXXX, I have received a notice from the collection firm XXXX XXXX ( original creditor is XXXX XXXX XXXX ) suggesting I owe {$260.00}. This account was previously under XXXX XXXX and it was remove between XXXX and XXXX because this item as well as the original creditor were disputed, now this same collection agency that was REMOVED on all 3 credit files has re sold my account to a new collection agenct, who have threaten me and sent a notice that if I don't pay this debt ( which is not mine ) within 30 days from notice that " ... ..report this account on your credit history ... ''. So now I will yet take another hit to my score which is wrong, I humbly request since this account was already remove from the same original creditor XXXX XXXX XXXX. That it be remove OR not allowed to report false erroneous collection on my credit file, this debt does NOT belong to me. Also as all bureau are aware that I'am an identity theft victim, I would like to advice that I have received my results from XXXX that my Social Security number has in fact been found associated with another individuals account information, I have taken a picture of XXXX notice with the results I ask you also take into consideration this document for all other items in dispute. I also have attach more documents associated with notice receive and also more proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
To Whom It May Concern : ALL XXXX AND Navient Accounts are too old for reporting to the credit bureau 's and for collections, according to federal guidelines. The date of delinquency is incorrect ; no proof of payment made has ever been provided. The accounts were never paid on, before XXXX acquired them from Navient, and before Navient acquired them, when they were with previous owning companies. 

Please, remove these from my credit reports ; I have tried, and it's becoming a legal matter. 

Thank You for Your Time, XXXX XXXX XXXX XX/XX/1980 XXXX XXXX XXXX XXXX XXXX XXXX Lot XXXX XXXX , Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: CL Holdings LLC
State: TX

Complaint narrative:
To Whom It May Concern : ALL Jefferson AND XXXX Accounts are too old for reporting to the credit bureau 's, according to federal guidelines. The date of delinquency is incorrect ; no proof of payment made has ever been provided. The accounts were never paid on, before Jefferson acquired them from XXXX, and before XXXX acquired them, when they were with previous owning companies. 

Please, remove these from my credit reports ; I have tried, and it's becoming a legal matter. 

Thank You for Your Time, XXXX XXXX XXXX-XXXX-XXXX XX/XX/XXXX XXXX-XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: OK

Complaint narrative:
Equifax are in violation of act s 611 5 b of the fcra I have 4 inquiries on my report that is not suppose to be there XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX these are not suppose to be on my credit report and I have no hard inquiries on my other credit reports from credit bureaus but my Equifax customer service would not help and take care of the negative inquiries reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax deleted all of my positive information on my credit report I have called to try and resolve the matter and I have got nothing Equifax is working with the banks to destroy people 's credit so Banks can charge higher interest and receive kickbacks I have included my credit report updated XX/XX/XXXX where it shows my old mortgage provider and my old car provider on my credit report I'm asking for method of verification on the reason why they removed them and asking for them to put them back on my credit file these accounts I have over 20 years of credit history I'm also asking for internal transcripts on the handling of my file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The absolute tragedy of Capital One and thinking that on my credit cars that reports to all the CRAs could actually close my account for Telling them that I had filed a report with the CPFB, Little they care of the discrepancy when I was told not to file for an authorized charges when thats exactly what happened. I submitted the report and they closed my account which no credit and reflects negatively on it. 

XXXX XXXX / XXXX has over 2300 complaints on the internet mostly for reinserting old debt as a form of extortion and despite the submission of the facts to you folks and the FTC these Companies seem to work together to make our lives difficult. 

As a single father was three dollars to raise I cant seem to let this happen since it is not just.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Kohls closed my account, which I have maintained for over ten years. I called the company, and Kohls representative stated that the " consumer closed the account. '' I never permitted Kohls to close the account. Furthermore, only two months ago, I received correspondence from kohls saying that they cleared up any late payments due to bank error. I have proof of the documentation that stated that all late payments or any negative info on credit reports were removed, which were improperly recorded on credit reports by them. Kohls never sent written correspondence about the closure of the account and the only reason I found out my account was closed was when I attempted to make a purchase, the merchant stated the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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:
The absolute tragedy of XXXX  XXXX and thinking that on my credit cars that reports to all the CRAs could actually close my account for Telling them that I had filed a report with the CPFB, Little they care of the discrepancy when I was told not to file for an authorized charges when thats exactly what happened. I submitted the report and they closed my account which no credit and reflects negatively on it. 

XXXX XXXX / XXXX has over XXXX complaints on the internet mostly for reinserting old debt as a form of extortion and despite the submission of the facts to you folks and the FTC these Companies seem to work together to make our lives difficult. 

As a single father was XXXX dollars to raise I cant seem to let this happen since it is not just.

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 2019-06-08 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:
The absolute tragedy of XXXX XXXX and thinking that on my credit cars that reports to all the CRAs could actually close my account for Telling them that I had filed a report with the CPFB, Little they care of the discrepancy when I was told not to file for an authorized charges when thats exactly what happened. I submitted the report and they closed my account which no credit and reflects negatively on it. 

XXXX XXXX / XXXX has over 2300 complaints on the internet mostly for reinserting old debt as a form of extortion and despite the submission of the facts to you folks and the FTC these Companies seem to work together to make our lives difficult. 

As a single father was XXXX dollars to raise I cant seem to let this happen since it is not just.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: CL Holdings LLC
State: CA

Complaint narrative:
The absolute tragedy of XXXX  XXXX and thinking that on my credit cars that reports to all the CRAs could actually close my account for Telling them that I had filed a report with the CPFB, Little they care of the discrepancy when I was told not to file for an authorized charges when thats exactly what happened. I submitted the report and they closed my account which no credit and reflects negatively on it. 

Jefferson Capital / XXXX has over 2300 complaints on the internet mostly for reinserting old debt as a form of extortion and despite the submission of the facts to you folks and the FTC these Companies seem to work together to make our lives difficult. 

As a single father was XXXX dollars to raise I cant seem to let this happen since it is not just.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Friendly Finance Corporation
State: VA

Complaint narrative:
XX/XX/2019-Friendly Finance Rep called and left a msg stating she would move forward with locating my vehicle for repossession. I called her back within a few minutes and scheduled a pmt arrangement to pay XXXX pmt on XX/XX/XXXX and XXXX pmt XX/XX/XXXX. I explained that I did not have card or account information to provide her and I would call back on the XX/XX/XXXX to pay. 
XX/XX/2019-Friendly Finance rep called again and I gave the same pmt arrangements again and also explained that I had already made arrangements the previous day. When I was not able to provide her with my debit card number she said she would just call back on Monday XX/XX/2019- Friendly Finance rep called again. I explained to him that I have made the same pmt arrangements every day this week and nothing was going to change. If my arrangement to pay was not sufficient then the reps should have explained that on previous days. He said my plan to pay on XX/XX/XXXX was noted but not the arrangement for XX/XX/XXXX and that he would document that. I explained to him the rude communications that I have been having from them. I told him what the previous rep said about calling me on Monday when I wasnt able to provide my bank acct number or card number and he suggested that I do not answer the call on Monday XX/XX/2019-Friendly Finance rep XXXX called. I explained that I have already made arrangements almost every day this week. I was upset about the 4th conversation within 5 business days. I told her my arrangement wouldnt change and to stop calling my phone and she threatened to move forward with repossession efforts. I called and spoke with who I thought was a supervisor. She explained that my call was being recorded and that my complaint would be given to her manager. I also requested that XXXX not call me again or handle my account any further. 
My account is not even 30 days past due yet. Why am I going through so much and being harassed almost everyday. This is entirely too much. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: NY

Complaint narrative:
I checked my credit report and noticed that there is a collection negative item on my report from XXXX XXXX XXXX - that account has been closed all merchandise was returned and there should not be an amount owed noticed XXXX XXXX XXXX has this account should be removed / deleted been an ongoing issue

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 2019-06-08 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I checked my credit report and noticed that there is a collection negative item on my report from XXXX XXXX XXXX - that account has been closed all merchandise was returned and there should not be an amount owed noticed LVNV Funding LLC has this account should be removed / deleted been an ongoing issue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: C/C Financial
State: NY

Complaint narrative:
I had went to a furniture store on XX/XX/XXXX received it on XX/XX/XXXX. They told me I can get a line of credit from a Company called Merchants Preferred Lease-Purchase Services, a division of C/C Financial Corp. located on XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX. I applied and got approved for the XXXX. If I would of payed it off in three months no interest rates would of applied. However that could of went as planned cause the flowing week the furniture started falling apart. Draw handles were breaking bed legs were on the verge of breaking and wood was chipping on the bed. I called back the furniture tried to get them to fix it. They were rude I called the loan company tried to get there help and they told me I had to call the furniture store cause they wont take back damaged furniture until I make a payment. It was to the point where I went to small claims court and filed a complaint against the furniture store. My court date was set for XX/XX/XXXX at XXXX. Until then I continued to call the merchant and the credit company. Then on XX/XX/19 the Furniture store decided they want to come and fix my furniture. I allowed them to cause my XXXXyr old  had to sleep on that bed. After they fixed it I called back Merchants Preferred Lease-Purchase Services, a division of C/C Financial Corp. to have them adjust my late fees and payments to start my payment for after they fixed my furniture due to my furniture being damaged for 3months and me trying to get them to fix it. Instead of them helping me with my three months of stress and worry about weather or not the bed is going to break while my son is sleeping on it. They rather tell me this will be on my credit it I dont pay and I signed a contract with them. What about the defaulted furniture I was sold. I would like for my bill to be started fresh in XXXX or I want my lease terminated. I have pictures to prove my case as well as legal papers I had filed for court. As well as they have recording of our conversations. This is injustice and a company like this should never be in business they are robbing people and messing up their credit.

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