vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a CARECREDIT card that was utilized in two separate transactions. I set up an auto-pay for well over what would have been needed to pay off the first purchase in the " promotional period ''. I then noticed on the next to the last statement that the payments are not applied in such a manner that the promotional balance is being paid off first ( which is convenient for the credit company due to their strict language of penalties if not paid off ). I then sent in an additional payment and indicated on the check and on the bill statement that the payment should go the promotional balance ONLY. I went ahead and called just to make sure that this was done according to my wishes. The customer service rep told me that they will ONLY apply to one balance over the other IF you call to request this. I was told that only because my promotional period was not expired yet that they would do this for me. I subsequently looked at the reviews online and see that this is an ongoing issue for many poor people looking to get help with our exorbitant health care costs. It is a shame that companies like this are able to take advantage of us. Nowhere on the statement does it say that you have to CALL in order to apply to the correct balance. I am not out any money because I am conscientious, unlike many of the poor souls that I read about on the credit rating companies. This should be stopped.

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 2018-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
On XX/XX/XXXX I went, in person, to the XXXX XXXX branch at XXXX XXXX XXXX to cancel my account prior to a move. 

The in-store representative charged me {$64.00} to settle the account and assured me that the account was closed, that I owed no equipment, and that I had no further debts with XXXX XXXX. 

On XX/XX/XXXX, at my new residence, I received a notice from a debt collector that I owe XXXX XXXX  {$0.00}. This billing is not only in error, but absurd. To threaten me with credit damage is offensive and to waste time and resources on such a ridiculous effort is abusive of both me and the credit reporting system.

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 2018-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAM National Arbitration and Mediation
State: PA

Complaint narrative:
Company called from familiar area code four times in three days. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called them back today. They said they were a company named XXXX and were attempting to stop a civil suit from taking place for my mom, who does not live with me and has never lived at this address. If she did not call them back today, they would be forced to take civil action. I took their XXXX number and passed it on to my mom. I got another call two hours later. Again no message was left. So I called the number on the caller ID, ( XXXX ) XXXX, and got a message saying they were a company named XXXX XXXX and not available. I am not my mother. I have done nothing to deserve this harassment, and after some XXXX of this company, I 'm not sure my mom has either.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
This unscrupulous bank operates widely as credit card services for stores like XXXX XXXX, XXXX, XXXX, XXXX and others. They claim to mail statements and dont, then charge late fees. I opened a card in a XXXX XXXX store on a {$99.00} purchase to get a free gift they offered. I only used the card for that one purchase. I didnt receive a bill until 2 months later and it included a {$25.00} late fee. I disputed this fee, closed the account and was told the late fee would be credited. It wasnt. The next month I received a bill that charged interest on their late fee. I called again, got nowhere with them and decided to just pay the now {$29.00} bill so I wouldnt have to deal with them anymore. The next month I received a bill that showed my payment, and an additional {$1.00} minimum charge plus another {$25.00} late fee. They claim to have received my payment one day after the due date. This can not be true as I mailed it 10 days before the due date. So now I am filing complaints with consumer affairs as I am sure there are thousands of consumers being mistreated by this company. 
I have since XXXX this company and discovered many complaints exactly like mine. I dont understand how these people are allowed to operate this way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
XXXX was deleted from my XXXX credit file. The collection account ncb management is the collection company who now owns the collection account for XXXX. If the original account was not valid neither is the collections account. Trying to collect on a non valid account violates my rights as a consumer. Please stop all attempts to collect on a non valid debt. This not only includes phone calls, letters, and emails, but also must be removed from all three credit files, XXXX, XXXX, and XXXX. This non valid debit has caused me to not be considered for jobs, I would like all three credit companies to please send update credit histories to every company that has requested my credit file for consideration of hire in the last 2 years, once these faulty items have been removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Blackhawk Network Holdings Inc.
State: NJ

Complaint narrative:
Hello I sold my XXXX gift card that was worth XXXX dollars to XXXX. They offered XXXX for it and I accepted. 
I did this online XX/XX/XXXX. To date no word from them it just says pending. Its been 9 days of me waiting. So my gift card is useless now and they refuse to communicate with me. 
They have my bank account information too and now Im worried. They took that gift card and now Im ignored. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There was a public record on my report that was inaccurate so I disputed the accuracy of the report. Equifax confirmed that they verified through the creditor that the information was correct. 

I wrote the court to ask how they verify information with the credit bureaus. They said that they do n't. 

I sent this info back to Equifax and asked for their method of verification. 

They confirmed they gathered the information from a 3rd party XXXX. 

I wrote to XXXX to ask how they verified the information. They wrote me back and said they HAVE NOT been able to verify it and have removed it from their records. 

I sent this information back to Equifax and they still have not removed the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am having an issue with the listed banks that I only want to do pre qualification. Their websites concluded this however they were illegitimate and unlawfully used as inquires. I have tried countlessly to explain to these companies customer service, via mail and phone. However, I would just be put on hold for hours, not respond and they would not help as well as take care of the negative inquiries reported on my credit report. These are the following. 

XXXX XXXX XXXX XXXX XXXX, XXXX Bank Credit Cards XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX, XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY XXXX XXXXXXXX XXXX, XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX Retail, Not Elsewhere Classified XXXX XXXX XXXX XXXX XXXX, CO XXXX BYMAILONLY XXXX XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WAFD BANK
State: OR

Complaint narrative:
We are filing a complaint regarding a situation that resulted in our paying an additional {$2100.00} in exchange fees. 

We began the loan process with our loan application dated XX/XX/XXXX. The loan in the amount of {$110000.00} was finally deposited into our checking account # XXXX on XX/XX/XXXX, almost 3-1/2 months later. While we recognize that they didnt have to approve us for a loan at all, we believe 1 ) we were left waiting an unnecessary amount of time and 2 ) we were repeatedly asked for additional documentation that further delayed the process. 

Our loan officer in XXXX, Oregon was very professional throughout the process. She kept in close contact with us and did her best to expedite the process. She apologized for the repeated delays and told us that the bank was in the process of trying to streamline the loan process. 

We believe that Washington Federal is at fault for unduly delaying the loan process. This delay precipitated a situation that caused two things to happen : 1 ) Our relationship with our XXXX counterparts, realtor and notary deteriorated. By the time the money came through, our only choice, to avoid possible litigation, was to transfer the money directly through Washington Federal rather than use our choice of transfer agent, XXXX, which would have taken another 2 days ; 2 ) Transferring the money directly through Washington Federal caused us to pay an additional {$2900.00} in exchange fees plus a {$45.00} transfer fee. XXXX, on the other hand uses the live mid-market rate which is only .7 % or {$800.00}, a total difference of {$2100.00}.

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 2018-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There was a public record on my report that was inaccurate so I disputed the accuracy of the report. XXXX confirmed that they verified through the creditor that the information was correct. 

I wrote the court to ask how they verify information with the credit bureaus. They said that they do n't. 

I sent this info back to XXXX and asked for their method of verification. 

They confirmed they gathered the information from a 3rd party XXXX. 

I wrote to XXXX to ask how they verified the information. They wrote me back and said they HAVE NOT been able to verify it and have removed it from their records. 

I sent this information back to XXXX and they still have not removed the inaccurate information.

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 2018-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: IL

Complaint narrative:
I applied for a loan modification with my lender and I was declined because I have a loan modification in 2012. The lender said my lender only allows one loan modification for the life of the loan. I asked who the investor is and the lender refused to give me the name and contact information so i could follow up with them.. This servicer has been known to mislead and I am trying to make sure I am given a fair accessment.

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 2018-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: MD

Complaint narrative:
Received a letter from a debt collection company on XX/XX/17 stating that I had 30 days to dispute the debt in writing, which is a violation of my rights since there is more than one way to dispute a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: STERLING JEWELERS, INC.
State: NC

Complaint narrative:
In 2011 my identity was stolen and a XXXX XXXX card was open in my name. I did not know about the card until further looking into my credit. I immediately called, informed XXXX XXXX of the situation, and requested they close the account. I was told no charges were made and they would close the account and remove it of my credit. Upon further investigation, XXXX XXXX is still reporting to all 3 credit bureaus. I never received any information concerning this account until I called.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I set my account with Kohls on auto pay for my payments. I received a collection call from Kohls on XX/XX/XXXX for no payment in XX/XX/XXXX. On XX/XX/XXXX thanking me for setting up auto pay for my account. Come to find out that after you set up auto pay it does not take effect for 2 months. That is not spelled out in the auto pay agreement, which should be so that you know that you need to continue making payments for that time frame. I believe that they intentionally mislead the customer so that they can collect late penalties and negative credit reporting. If they are going to offer autopay to their customers they need to make all facts regarding the time frame for the auto pay to begin.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo never sent any information validating this debt despite my identity being stolen and after informing the company of that information. I received harassing calls for months, and no one was willing to assist with any resolution. Wells Fargo has sold this account to another lender without informing me or my permission. It is also now 7 years of this debt. North Carolina sets the statute of limitations on credit card debts for 3 years.

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 2018-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
On XX/XX/XXXX my student loans totaling {$22000.00} that were being serviced by XXXX XXXX XXXX XXXX XXXX  were consolidated to XXXX XXXX XXXX. I began making payments under an income based repayment plan in the amount of {$120.00} on XX/XX/XXXX until XX/XX/XXXX. I was not made aware by XXXX XXXX XXXX. or XXXX  XXXX XXXX XXXX XXXX that my loans were classified under the Family Federal Education Loans Stafford subsidized and unsubsidized loans which were made by private lenders but backed by the government and did not qualify for the public service loan forgiveness program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Healthcare Receivables Group, Inc.
State: NC

Complaint narrative:
Healthcare Receivables Group constantly harrasses me. They call repeatedly from different area codes and continue to send mail to addresses that I have not provided them with.I have continued ton dispute with this company and requested that they not contact me. The state of North Carolina also requires collection agencies to be licensed and active in order to operate in our state. Healthcare Recievables Group is currently SUSPENDED in North Carolina with the Secretary of State and accounts listed on my credit report in the amounts of {$1400.00}, {$730.00}, {$310.00} and {$60.00} should therefore be removed from all credit bureau agencies immediately due to the non active status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX i made a large lump sum payment of XXXX towards my mortgage with chase bank. they gave me a loan modification to start paying in XX/XX/XXXX i have asked Chase 2xs to convert my loan to my original terms to start paying my mortgage in XX/XX/XXXXinstead of XX/XX/XXXX. since i made a large payment in XX/XX/XXXX i have called on XX/XX/XXXX they put in a request for this for this a work order. 
i waited to hear from Chase no response, so i called again on, XX/XX/XXXXand i told chase that i wanted a recast of the modification to start paying my mortgage in XX/XX/XXXX not XX/XX/XXXX this time they gave me a Reference # XXXX and they said they would have to recalculate principal and interest i said this is great. and they would put in a work order. as of today XX/XX/XXXX i still  have not heard from chase on this recast of my mortgage loan payment. i want answers why they are not responding and giving me the recast of my loan, and they are ignoring me and discriminating me as well. this response from Chase should only be no more than 3 days to get this amount figured out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: NC

Complaint narrative:
To whom it may concern, I have written four dispute letters requesting proper verification of two debts reporting by XXXX XXXX and XXXX XXXX. I have written and sent four different letters to Experian @ XXXX XXXX XXXX XXXX, TX, XXXX all by certified mail tracking numbers XXXX deliverd XX/XX/XXXX, XXXX deliverd XX/XX/XXXX, one also sent and XX/XX/XXXX, & the last one XXXX delivered XX/XX/XXXX. In each letter, I requested the proper documents they have on file to verify each debt is mine, I also requested documents of an original comsumer contract with my signature on it, as well as asked to be given the name of the person in there company who verified the accuracy of each account. Each time, four different responses, the company responded that they contacted the creditor and verified the debt was mine but failed to provide any supporting documents nor the person info in the company who verified these accounts, just a response that did not meet the requirements by law giving them the right to report a debt on my credit file, illegally damaging my credit. Since they have not responded with proper verification nor have provided me any of the documents they have required by law to have on file for adverse accounts on an individuals credit report, I am asking for assitance with removing these adverse accounts XXXX XXXX {$930.00} and XXXX XXXX XXXX {$1400.00}. These accounts have not been properly verified therefore l, I am asking for them to be removed from my credit file.

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 2018-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I purchased two pairs of gloves from a company. I only received one pair of the gloves. I received the gloves after the second attempt to purchase. Ive contacted my bank twice ; both times being denied a reversal of the debit. I was told before the second denial the dispute was being researched between XXXX and PNC bank. 
Both payments were made using the same card, the company has not ( to my knowledge ) provided proof of a receipt for my first purchase or tracking details for the gloves. I did not receive the gloves the first time. 
I was smart enough the second time to use my debit card through XXXX for assurance and the gloves were received. I have a locked mailbox so they wouldnt have been stolen. 
PNC continues to deny my dispute because I authorized the transaction. I did authorize it but Im not in the business of donating money to companies. I expect that the merchandise will be received. 
I am frustrated because at this point PNC and XXXX both seem to be ignoring the fact that I didnt receive the gloves. I am not asking for the money back for any other reason.

Company response to consumer: Closed with explanation