vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
As a big believer, when you go to replace your car or truck, I was so exited to replace my truck for another truck, razon why??, is because start to put much money in repairs and I diced to replace for another and get better payments, at the bigining tell the owner, How much you give me for my truck he says the best I can go is XXXXdlls and i believe him, after that you have to sign the many papers you have to sign, I did because most of the time you do not have the time to read word by word for those papers they tell you this is for this and this and this just sign rigth here, so you believe in them, so 2 months later I found out he give me only XXXX dlls, and I try to fix it with him and special the financial person and always no I do not remember, really, so I try to make my payments wich was XXXX dlls high that i use to for the other one, when i was really clear I want lower my payment tha 's why I diced for lease this time, after two years diced to return it because I can not handle the payments, I return the truck, nothing happen, 8 months later they send I bill for XXXX dlls, and back that time two years ago, I was in other situation so I can not continue paying this truck because they lie to me, I was filling they involve me with the bla bla bla way they use to try to make it happen the sell and I do not press to much attention and I fill was distraction on the way they offer me the truck, in particular the person in charge of the financial part, so now is in my credit record that I supust own them that type of money, they sell the truck all ready to another and now I can even apply for another car loan, they say is gone a be for ever, no body want to give a car, I family for GM, and I fill really bad with my person because I do not take the time to read everything, I was under believe that my 1st payment was a little high because I do not put money down so when the second payment came that 's when I found out, I really hope who ever concern to this matter any body can help me because they abuse the TRUST always we put on them when we go get any type a car, I really for more exited we can be at that moment we have to take the time to read everything and they tey try to tell you best deal, week and all the things they use for convence us, so tha 's what happen and they tell me in some delers you do not get a car easy any more and is in my credit report and has been affect me, one more time, I do not happen to any one special in my XXXX community any where in the USA.

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 2018-01-16 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hello! 
I am a Delta Skymiles member and I received a letter from American Express offering me a Delta Gold American Express card. The offer was if I spent {$1000.00} in the first 3 months I would receive XXXX Skymiles as a bonus. I was specifically targeted for this offer. I applied and was approved and received the card. I spent the required {$1000.00} within 2 weeks. I have been monitoring my Delta account to see when I was going to receive my bonus miles but the bill closed on XX/XX/XXXX and I still did n't get any bonus miles. So today I " chatted '' on line with an XXXX rep who said that I was not entitled to the bonus miles because I have had this same credit card sometime in the past. If that is true then why did American Express specifically target me for this offer? They absolutely know that I had this particular card sometime in the past. If I am not eligible for the bonus points then I should NOT be offered them as a bonus for signing up for this card. It 's false advertising. American Express said there is nothing that they can do for me so that 's why I 'm contacting you. It 's bait and switch. Thanks for your help in this. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Collection Management Company
State: PA

Complaint narrative:
On Tuesday, XX/XX/XXXX, my mother received a call from Credit Management Company asking for myself. She then proceeded to ask them what the call was in reference to. The caller informed her that I supposedly owe some debt, the amount of the debt, and the creditor that the debt was owed to. My mother relayed this information to me and gave me the specific information. I had called Credit Management Company on XX/XX/XXXX to inquire about this debt, that I had no knowledge about, because I wanted to see if it was valid. I had informed them that they had violated FDCPA [ 15 USC 1692C ] 805 ( b ) by disclosing this information to my mother. XXXX, from Credit Management Company, had stated it could have been an automated message which disclosed this information. I informed him that this communication, regardless if it was an automated message or a person, came from Credit Management Company and still illegally disclosed this information to a third party.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
The most recent response from Synchrony Bank mentioned an authorized user, after nearly 3 months of dealing with this situation and talking to numerous Synchrony representatives, this is the first time an authorized user has ever been mentioned. I never gave the authorized user on my account the card that was mailed to me ; the purpose was not for utilization, but solely for credit reporting. When I added the authorized user online I was not provided an option to opt out of a card being mailed, it simply asked for a name and nothing else ( not even a SSN or address ). Furthermore, I never questioned the whereabouts of the authorized user card because I was told numerous times that " my '' card was used. The latest correspondence from a Synchrony Bank specialist ( see attached ) mentioning the authorized user, prompted me to do a thorough search for the authorize user card, which I did not find. I 'm certain it was lost or stolen. At the time of the initial dispute, I was asked did I have possession of my card, I answered yes. I was never asked, and still have not been asked to this very day if the possession or whereabouts of my authorized user card could be confirmed or not. I never gave it much thought until now, and my request is for Synchrony Bank to confirm which card was utilized when the unauthorized charges were initiated. Also, during the issuance of a replacement card, I specifically requested that an authorized user card not be sent, Synchrony Bank not only sent the card anyway, they sent a total of 2 on separate occasions. When I called to address the matter, I was told nothing more than to shred the cards. 


Moreover, the specialist stated that a new claim/investigation was opened on XX/XX/17, but there was never an adjustment to my account ; therefore, not only are the credit bureaus receiving and reporting these disputed charges, I 'm being charged daily interest on them which is reflected in the billing statements and the amount due. In Synchrony Banks latest response the specialist indicated that she reached out to me to discuss the account, I feel this statement is very misleading because the voicemail left by her stated otherwise. She stated that she was letting me know she received my inquiry and although she left her contact information, she specifically stated that there was no need to call her back. According to Synchrony Bank latest response, they are alluding that the issuance of a credit card that can not be counterfeited and the use of that credit card within 50 miles of the card holders address, constitutes liability even if the charges were not authorized and fraud is suspected by the card holder.

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 2018-01-16 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: MS

Complaint narrative:
XXXX has the incorrect spelling of my name and Late payments posted with XXXX XXXX XXXX XXXX Experian reporting inquiries not made and late payments with XXXX XXXX XXXX XXXX and 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 2018-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Back in XXXX and again in XXXX Trans Union experienced a " computer glitch '' that had caused the hard inquiries on my credit report to disappear. Then apparently they were all " re-added '' to my report. According to the law, they failed to provide me anything in writing that they were adding the hard inquiries back to my account. 
I tried calling Trans Union directly and spoke with XXXX XXXX on XXXX/XXXX/XXXX at XXXX. EST. She was less than cooperative and denied that Trans Union ever experienced any type of computer issue. I tried to discuss the matter courteously and she told me that there was nothing she could or would do. 
I currently show 16 hard inquires on my credit report dated XXXX/XXXX/XXXX and I request that they all be removed as I was not notified in writing that anything was being put onto my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I received a title loan on XXXX XXXX XXXX from Wilshire consumer credit for XXXX under my pink slip of my XXXX XXXX XXXX I 've been making payments ever month for the last 3 years my interest rate was 165 percent then on XXXX I asked for lower interest could not make payment so they lower to 46 percent interest I paid over 6k for this XXXX title loan and still owe XXXX I want my title back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
When ever one of my car payments is due on a weekend Bank of America 's system does not update and show my payment. According to the finance manager upon acceptance of my auto loan, I was advised that I have a 10 day grace period. I have never gone pass the 10 day grace period, yet Bank of America 's collection department calls me non-stop all day to " collect '' on a payment that 's not late, nor past due. I have advised them to stop calling me as the payment was scheduled within the grace period and their systems do not update in real time. However, they continue to call. This is harassment and a violation of the Telephone Consumer Protection Act of 1991. They are collecting on a past due account that does not exist as the account is not past due. I demand that their executive office contact me and issue a formal apology for this harassment.

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 2018-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX has the incorrect spelling of my name and Late payments posted with XXXX XXXX XXXX XXXX XXXX reporting inquiries not made and late payments with XXXX XXXX XXXX XXXX and 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 2018-01-16 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: MS

Complaint narrative:
Equifax has the incorrect spelling of my name and Late payments posted with XXXX XXXX XXXX XXXX XXXX reporting inquiries not made and late payments with XXXX XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Too many of my profiles being listed in areas I use to live. The past 5 plus years I have been accused of too many crimes and my credit reports have been sabotaged.. also trying to get proper paperwork consuming Power of Attorney papers to Insurance papers of all types.. medical..health..life insurance policies etc.. tired of no one helping me knowing I have sent out reports in 3 States now. ALABAMA.. TENNESSEE. AND HERE IN VIRGINIA.

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 2018-01-16 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: MA

Complaint narrative:
identidy theft i reported it descrefencies in my experian credit report and hard inquireis i did not apply for any 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
Consumer complaint received 2018-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
SunTrust Bank denied me the processing and receipt of a new debit card after it was reported stolen. They told me I would have to receive a text message and answer " credit-application '' like questions. They said they added some extra security to my account but it felt like they were ordering credit products without my permission as they refused to send me a new debit card. I feel like they want me to close the account so they can hide the fact that they actually stole money from me.

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 2018-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase has not been able to resolve the issue of me being locked out of my account for 2 months now. I 've provided all the information required and they still ca n't confirm when I 'll have access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 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:
I attempted to make a payment to my landlord using PayPal on XXXX XXXX XXXX for {$2500.00}, and accidentally entered the wrong email ( it was a non-functional address ). I immediately cancelled the payment, within 3 minutes of initiating it, but the funds were subsequently removed from my bank account anyways on XXXX XXXX, XXXX. It took until XXXX XXXX, XXXX for the funds to be returned ( during which time my bank account was overdrawn, as I had to write a paper check to my landlord that was immediately deposited ). I attempted to call PayPal during those three days ( between the cancelled transaction and the return of funds ) to ensure the transaction was indeed cancelled and inquire about the status of my funds. I was unable to reach anyone when calling the Help Center, and when attempting to use their Resolution Center, received a message " Let 's try that again. Looks like something went wrong on our end. '' repeatedly, from different computers at different times. Eventually the funds were returned to my bank account, having caused an overdraft fee and damage to my credit score. On XXXX XXXX, XXXX, the same transaction was attempted again ( for {$2500.00} to an incorrect email address ) for some reason even though it was cancelled originally, and my bank was again overdrawn with the now completely unauthorized transaction to a nonsense email that had been cancelled. I was able to speak to a representative on the phone, but when I requested the ability to file a complaint and request coverage of my bank fees I was put on hold for an hour with no response. And I am still unable to file a complaint using the online Resolution Center. 

The result of this issue, the harm caused to me as a consumer, is three fold. First, I now twice have had my entire bank account cleared which leaves me without money, for emergencies or needs or anything. Second, I am incurring overdraft fees through my bank for a transaction I did not want to go through, twice. Third, my credit score will be affected, which has serious and long-term implications. The problem at the core is that I was unable to resolve the issue with PayPal via any of their supposed methods to resolve issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I notified TD bank in XX/XX/XXXX or XX/XX/XXXX that the account that was showing in collections on my credit report was n't mine. They did an ach withdrawal from my XXXX XXXX XXXX checking account in XX/XX/XXXX and I had to close the account for fraud. They took information for me. I thought this was corrected but apparently not. I opened a XXXX letter this morning at XXXX XXXX and saw this same account. Along with an address that I have never lived at. I called 2 times this morning. XXXX transferred me to recovery to which the lady hung up on me and I asked for a manager several times. I called and got XXXX who I told right away that I wanted a manager and she proceed to try and blow me off and then finally says wow and put the phone on hold because she thought I was going to hang up. I explained the situation to XXXX who said that she would get a manager in the correct department which she did n't. I got XXXX and asked if she was a manger and she said no and refused several times to give me a manager and she hung up as well. Both the recovery lady and XXXX  were made aware that I was going to file a complaint on TD bank with the cpfb. If they told me they had everything they needed years ago why is this issue still not resolved?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Outside ATM took my cash deposit and shut down and did not credit my cash deposit to the account, which is making me late for paying a very important bill on time!!! The Bank ( Citibank ) will not give me a provisional credit to pay my BILL?

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 2018-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Eastpoint Recovery Group, Inc
State: MA

Complaint narrative:
I filed a complaint asking to not be contacted anymore. The same person called me again and left a really unprofessional voicemail, accusing me of hanging up on him and using sentences like the funny thing is ... You would think this is a personal matter to this individual. Again I do not want any more phone calls from this company and I dont want them contacting me or people I know again, they already did once and asked to take a message. And I dont want to be harrassed anymore. I want them to leave me alone and stop threating me with further action

Company response to consumer: Closed with explanation