vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-15 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: MI

Complaint narrative:
I have reason for my dispute due to bad information furnished to my account that here are some of the account I never had any business or contracts for business with the following companies. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX   # XXXX XXXX XXXX # XXXX XXXX/XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX under I expect this collection account to be removed from my credit report. the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) requires by federal law to be verified. So far I never received anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Sw Credit Systems L.p. 
reported on my credit report on XX/XX/2018 this is not m debt and i have never done business with this company I have sent a letter to this company asking them to show me proof that I owe this debt and have received no response

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: NV

Complaint narrative:
In July/XX/XX/2018 I requested a balance transfer of XXXX to XXXX XXXX. It was never processed. However, they keep charging the {$450.00} plus interest. XXXX XXXX purchased my account after the transaction and has been very uncooperative refusing to verify if the {$450.00} check has been cashed. Still charging me the {$450.00} plus interest

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: MI

Complaint narrative:
on XX/XX/2016, this account was opened by XXXX XXXX XXXX XXXX for a debt in the amount of {$140.00} for medical equipment ( XXXX ) that was covered by my medical insurance. I have XXXX children as dependents listed on my medical insurance. XXXX child received a XXXX  less than a year before this was prescribed. i was billed when the XXXX  child was prescribed a XXXX, in contacted my medical insurance provider whom sent me a explanation of benefits confirming this equipment was covered for one piece of equipment, per person, per year and that the coding on XXXX 's records could have been incorrect. I contact XXXX 's regarding this whom directed me to XXXX XXXX XXXX collection agency whom informed me all they could do was collect a payment. this has been reporting to all credit bureaus, with no resolution after filing a 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 2019-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Re : Capital One World MasterCard promotion offering 0 % interest for 12 months with 2 % transfer fee. 

In XX/XX/XXXX I transferred in excess of {$5000.00} to my Capital One credit card. My current statement ( payment due date of XX/XX/XXXX ) does not reflect this agreement, but instead shows an interest charge of {$90.00} and a minimum payment of {$140.00} due on XX/XX/XXXX. Both of these figures are in error. 

On XX/XX/XXXX I spoke with three Capital One representatives ( rep ID numbers XXXX, XXXX, and XXXX ), including a supervisor. They acknowledged that there was a system error in recording the promotional offer. I was not informed by Capital One of this error either by mail or email before I had made my telephone call. 

These representatives told me that a correction may take " two billing cycles '' to correct and that I should continue to make the {$140.00} minimum payment ( s ) until this was corrected. 

I protested that the entire statement was in error and that the {$140.00} minimum payment was excessive based on my prior experience with these types of promotional offers. They were, in fact, asking me to pay for their mistake. They refused to offer either a reduced minimum payment in line with my expectations, or a waiver of payment until such time as they corrected their problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
sunrise credit services reported debt collection to the credit bureaus on XX/XX/19 I have sent a request for validity of this debt with no response from this company I have never done business with them and I don't owe this debt

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 2019-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: MI

Complaint narrative:
This debt collection account does not belong to me. I have no knowledge of how this could have occurred. I have never been in contact nor conducted business with the debtor. The original debtor appears to be XXXX cable in which I have never had services with them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: MO

Complaint narrative:
XXXX, XXXX, and Equifax is reporting accounts that do not belong to me. History reports late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
We have citi card and the zero percent financing ended XX/XX/2019. We had a credit limit. We do not remember each credit cards limit because we rely on credit card company to deny any purchase over the credit card limit. {$4100.00} of credit card went over the limit and citi never declined credit card until after that huge amount was over billed. Then, citi said our minimum payment was entire amount of money over the credit limit, which they caused. We would like reimbursement of money over credit limit, reimbursement of any interest charged over credit limit, and for citi to stop these unlawful practices in future with other customers.

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 2019-01-15 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: MO

Complaint narrative:
Experian, XXXX, and XXXX  is reporting accounts that do not belong to me. History reports late payments.

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 2019-01-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
A few years ago I applied for and received a loan from Springleaf Financial, which was eventually acquired by OneMain Financial. Initially, monthly payments were being applied toward the principle and the loan amount decreased. Once OneMain assumed ownership, communication processes devolved and loan interest began to accrue.

A little over a year ago, my payoff balance for the loan was {$4800.00}. I became ill and was forced to leave my job and spend most of my savings on medical bills. I maintained contact with the loan agency and set up what they referred to as a " mod '' or modification agreement. I would pay {$90.00} a month for 6 months to " get back on track '' with payments and continue to pay down the loan once I started working again.

Over the past few weeks, I have requested documents - including all payments made since the beginning of the loan, as well as the initial loan agreement from both Springleaf as well as OneMain - and have yet to receive any, although three staff members of OneMain have promised to send them.

I called today - XX/XX/XXXX - to see what the payoff amount would be, and was told it would be over {$5200.00}. After taking a closer look at XX/XX/XXXX statements, it appears " mod '' agreement payments were over 90 % interest, with just over {$3.00} going towards the principle.

This may be legal under state guidelines, but it is not right. I was never informed that modification payments would only net {$3.00} towards the principle, while the remainder of the loan accrued interest. I have now paid more than {$2000.00} to OneMain, with zero  reduction in overall balance. I have sought out legal advice and hired and attorney, and I request the CFPB investigate OneMain for fraudulent and misleading practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
First, I financed through XXXX XXXX XXXX at a XXXX doctor and signed documents which stated the monthly payment of {$150.00} with 12 months of no interest financing. The statements say 6 months no interest financing and a payment of $ XXXX   monthly. I attempted to resolve this, I was told while it was being investigated they would not collect payment or charge late fees, but they have both. I even emailed the original paperwork with no results yet. 
Next, XXXX XXXX begins harassing me requesting the full amount of the card balance be paid and would not accept a monthly payment. 
XXXX XXXX continues to call and harass me, my wife and now my father, who they have also given specific information regarding the debt to. They told my father the amount of months past due, the total amount due and that the debt was for a XXXX   procedure. This is not only a violation of the FDCPA, but also a HIPPA violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15 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: MO

Complaint narrative:
Transunion is reporting information on my credit report that do not belong to 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 2019-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
On XX/XX/2019 I made a transaction of {$180.00} to another Paypal member for concert tickets. Immediately Paypal reported the transaction as unauthorized and started an investigation. The transaction ended up being fraud, and I did not receive the items specified. Paypal will not allow me to open a report about the transaction because they already opened ( and closed ) a report about it being an unauthorized transaction. No action has been taken by Paypal to help me report the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2019-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
XX/XX/2019 Wells Fargo Mortgage reporting delinquent 43 days late.

I am a victim of Data Breach as result of Wells Fargo disclosing my information.

I have on going Identity Theft as a result of Wells Fargo leaking my personal confidential information as well as my Banking account and caused Bank Account difiulites.

Wells Fargo has reported 43 days late on payment when it is on time and has never been late to all 3 Credit Bureaus, XXXX XXXX, XXXX, and 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 2019-01-15 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: FL

Complaint narrative:
disputed inaccurate infoormation with transunion due to accounts that are not mine.file # XXXX i know that it may take some time to investigate and reach out to the company so iwas expecting to hear something back in about 30 day. to mt surprise i recived a update in 2 days saying dispute completed. how can you properly investigate and rach out to a company in less then 2 days. the accounts that i am disputing are not mines. i requested validation and recived nothing from either credit transunion or creditors.

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 2019-01-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This company pulled my credit unauthorized, I have contacted them and they have not return my call or responded to my email Sometime last week I was contacted by a company who offered me a loan for my business, I was told that they will not be pulling my credit, that the loans were unsecured and not based on my credit but only on my business revenue. By Tuesday ( 4 days later ) my credit had 5 HARD PULLS and had gone from 700 's to the low 600 's. Since then I was denied a LOAN due to this abusive and unauthorized use of my credit 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 2019-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I visited XXXX  XXXX XXXX in XXXX, Texas. The itemized medical bill was XXXX. The administrator asked how did I wish to pay. My response was via mastercard. The administrator asked it would be via insurance? I responded for a third time. It would be mastercard. 

The Administrator and nurse on duty presented me with an XXXX itemized bill statement. 

I asked on three other occasions if this was the bill in full and the Administrator responded yes. " This is the itemized cost per our charts. I then provided my mastercard to the Administrator and a charged of XXXX was bill to my card and I was presented with a receipt for my records. 

Within three weeks, I started receiving bills for additional charges. I have spoken with XXXX  XXXX on several occasions, and provided them with a copy of the paid receipt. The response was, " I don't know why they charge that price because it is not enough. 

I contacted my legal team and they drafted a letter of inquiry which XXXX  XXXX has refused to acknowledge on two occasions. 

On XX/XX/XXXX, I received a letter from a third party collection agency threatening to report the matter to the credit bureau as bad debt collection. I have attached substantiating documentation of full payment and all other pertinent documentation for your review and resolution before additional legal action is warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, acting upon a publicly advertised offer on us.hsbc.com, I applied for a new HSBC Advance checking account. I was promised a {$350.00} welcome bonus ( terms attached ). By XX/XX/XXXX, I had satisfied all the terms of the offer. Shortly after that, I contacted HSBC via XXXX. The reply I received from them was addressed to a different person, was not written in proper English, and had little sense. Therefore, I had to make a call. The representative I spoke over the phone in XXXX  confirmed that all the terms are satisfied. However, she advised me that I had wait eight weeks for the bonus to post. The eight weeks ended on XX/XX/XXXX. Since then I have talked to at least twelve different representatives trying to determine the status of the bonus. Their explanations evolved over time. First, they stated that the new money was was supposed to be deposited to a checking account, while I deposited them into my savings account. That reason failed, since the terms clearly state : " deposit ... in combined checking and savings accounts ''. Second, they told me to wait until the end of XXXX. That reason failed as well. The terms clearly state : " You will automatically receive ... eight weeks after completing all qualifying activities. It's that simple. '' Third, they claimed that my savings account was supposed to be opened after my checking account. Not so. I applied for both accounts on XX/XX/XXXX. The application for the checking account was submitted at XXXX. The application for the savings account was submitted 9 minutes later, at XXXX. Regardless, the terms only exclude customers who had an account " from XX/XX/XXXX through XX/XX/XXXX ''. I had no HSBC accounts before XX/XX/XXXX. Lastly, they indicated that they had no record of any promotion on the account. That assertion is simply laughable. Both XXXX  and phone agents were able to verify the terms of the promotion and confirmed that they were satisfied. In addition, I have a copy of the webpage with the offer that I took when I applied as well as the terms of the promotional offer that I downloaded when I applied. I believe that these repeated attempts to come up with multiple frivolous reasons are racially motivated. A bank acting in good faith can not be that unprofessional. Instead, I suspect that they target customers with Hispanic sounding names assuming that they would rather give up than follow up on the promise. Based on my recent experience, I strongly believe that if a regulator requests a sample of all denials over the last three years, they will see that denials of bonuses or other benefits for customers with Hispanic last names are statistically more likely. This evidence would establish a prima facie case of disparate treatment and racially motivated discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX reporting delinquent 43 days late.

I am a victim of Data Breach as result of XXXX XXXX disclosing my information.

I have on going Identity Theft as a result of XXXX XXXX leaking my personal confidential information as well as my Banking account and caused Bank Account difiulites.

XXXX XXXX has reported 43 days late on payment when it is on time and has never been late to all 3 Credit Bureaus, XXXX XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX reporting delinquent 43 days late.

I am a victim of Data Breach as result of XXXX XXXX disclosing my information.

I have on going Identity Theft as a result of XXXX XXXX leaking my personal confidential information as well as my Banking account and caused Bank Account difiulites.

XXXX XXXX has reported 43 days late on payment when it is on time and has never been late to all 3 Credit Bureaus, XXXX XXXX, XXXX, and Experian.

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 2019-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Called XXXX XXXX to get a price on cell phone service. They asked for my SS # and I was not thinking they would run my credit. Had they asked for permission I would not have let them. I asked them to remove the inquiry as it was put there with out my consent. They refused. Please help, Thanks.

Company response to consumer: Closed with explanation