vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-30 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: PREFERRED CREDIT INC
State: TX

Complaint narrative:
I applied for a XXXX vaccum cleaner through Preferred Credit they gave me the product and I received 2 letters stating that I was not approved 2-3 days after I received the letter I Called and asked them to pick the vaccum up they never came so now they are reporting this on my credit report still have the vaccum still in the box just want this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was referred to apply for my Amex Gold card on XX/XX/2019 and was advertised that after spending {$2000.00} within the first 3 months, I can receive XXXX Membership Reward Points. But after I met the spending requirement, they refuse my sign up bonus with no specific explanation, stating that I misuse the rewards program which I never have done so. Besides this, I also do not receive my 20 % restaurants purchase for up to {$100.00} statement credit. 

Before I applied for the card I have only had a Delta Gold account with Amex and never closed it or downgrade it. I use it to purchase tickets from Delta occasionally and it was very helpful to save my checked bag fee. I loved Amex cards so I decided to apply for Amex gold to use it for restaurants and grocery purchase as well. But in the end, this turns out to be a quite disappointing experience. 

Also their customer service also gave me misleading information, I called them many times, some told me to rest assure because I need to wait for about 8 weeks for my welcome bonus to be posted, but in the end, they were just declined with no clear reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: AL

Complaint narrative:
XX/XX/XXXX. When i received notification from the credit bureaus that a negative account had been posted to my account. 

I explained the process that lead up to my cancelling my account with XXXX  XXXX XXXX and me receive errounoues and incorrect bills. I informed them of my contact with an XXXX XXXX XXXX agent explaining my confusion and dispute on the bills that were sent. As you can also see, the amount of the bills increased significantly, which totally confused me. The agent advised me to not do anything until i received updated information on the account and updated amount that I owed, if anything. That was in XX/XX/XXXX. I never received additional information on the account. I am assuming it was because I was not an active customer. So while I am waiting on information from XXXX XXXX XXXX, apparently my account was passed to a collection agency who reported my account as in collection, while I was in dispute and awaiting correspondency and validation from XXXX XXXX XXXX. I had no choice but to pay this amount today to DCI, the collection agency, because my daughter is trying to get into college with our parent plus and I am battling XXXX, so I didn't have many option. I am please asking you request XXXX XXXX XXXX and Diversied Collection Agents to remove this item from my credit report as I was not given the opportunity or correct information to dispute it. It was incorrectly reported. As you review the order/dates I received the following documents, you can see how confused and upset I was. I made the correct attempts to the company in the required amount of time to dispute the amounts. Reporting this as a collection account as an attempt to hurt me and my family was wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: WA

Complaint narrative:
On XX/XX/2019 I received notification that I applied for a XXXX  XXXX XXXX   Application number XXXX. I did not authorize nor did I apply for a credit card at anytime with XXXX XXXX or XXXX XXXX XXXX. This fraudulent activity has impacted my credit score and produced a Hard inquiry on my credit report. I rarely shop at XXXX and never authorized the company to share my personal information or initiate any credit granting on my behalf. This act is clear credit card fraud and identity theft. XXXX   erroneously and egregiously attempted to utilize my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
On XX/XX/2019 I received notification that I applied for a XXXX Credit Card Application number XXXX. I did not authorize nor did I apply for a credit card at anytime with XXXX XXXX or XXXX XXXX  XXXX. This fraudulent activity has impacted my credit score and produced a Hard inquiry on my credit report. I rarely shop at XXXX and never authorized the company to share my personal information or initiate any credit granting on my behalf. This act is clear credit card fraud and identity theft. XXXX   erroneously and egregiously attempted to utilize my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been a victim of identity theft.

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 2019-01-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: OH

Complaint narrative:
Fraudulent activity on my account, missing {$580.00} that was not authorized, by me.I called the company, to report the unauthorized activity, on XX/XX/2019. Company informed me, they could not stop the transaction in the middle of it happening, and to call back in 5 days.I then called them back in 5 days, on XX/XX/2019. I said, " I enjoyed the XXXX XXXX  music, while on hold, but want to authorize them to file a dispute, with whoever it was that took money from my account, without my authorization.I was told that they could not hear me. I know I was being heard, nothing was wrong with my phone. They said, since they could not hear my response of authorization, to have a nice day, and hung up on me. The company name, is as followed ; XXXX XXXX @ XXXX. I spoke with, customer service, representative. Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
I sent XXXX XXXX to one very poor, deserving and aspiring young boy in XXXX for his school fees on XX/XX/XXXX. 
The transfer was put on hold because of some security checks. 
Fine. 
I was asked a copy of government issued ID-card. 
Along with receivers date of birth and current residence address. 
A colored copy of his government issued ID-card, date of birth and address, was posted to the given e-post address on the same very day. 
Since then I have sent them two reminding emails without getting any response at all. 
I have called their customer service twice. Both times, I got the same reply that they were waiting for the translation of the id-card. 
An id-card that constitutes not even 100 words and 6 lines in total. 
For last three weeks I have been running from pillar to post without getting anywhere. 
Please help that poor guy by getting this sorted out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: DC

Complaint narrative:
I've received notices from companies XXXX XXXX and XXXX that there were some items on my credit report impacting decisions made towards my credit worthiness. Given that I just purchased a second home ( XX/XX/2018 ) and my current score is XXXX as of XX/XX/XXXX based on the information that XXXX XXXX ( XXXX XXXX XXXX  ). On the document it says the following : Several delinquent accounts High Balances ( two home loans ) I don't have any delinquent accounts and if I did, I wouldn't be able to purchase another home. I've reached out to XXXX  before about this issue and was given the run around. This agency never provide responses that are useful or makes changes. The information that they provided is never accurate.

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 2019-01-30 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I've received notices from companies XXXX XXXX and XXXX that there were some items on my credit report impacting decisions made towards my credit worthiness. Given that I just purchased a second home ( XX/XX/2018 ) and my current score is XXXX as of XX/XX/XXXX based on the information that XXXX  XXXX ( XXXX XXXX XXXX ). On the document it says the following : Several delinquent accounts High Balances ( two home loans ) I don't have any delinquent accounts and if I did, I wouldn't be able to purchase another home. I've reached out to XXXX before about this issue and was given the run around. This agency never provide responses that are useful or makes changes. The information that they provided is never accurate.

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 2019-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Since I have opened this account I have frequently paid within a 60 day widow and have never had any issues until now ... .. I brought my acct current on XX/XX/19 bringing my available credit limit to XXXX. I was informed that I will not be able to use the card for 2 months of regular statements and payments on time ... I need to use this card to make purchases for my daughters upcoming prom ... This is an unfair practice I paid bill and should be allowed to access my available credit and they are holding my card hostage .... This is just one of multiple issues with XXXX XXXX XXXX including improper posting of payments and unfair incorrect credit report reporting ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
This afternoon ( XX/XX/2019 ) I spoke with a representative and her supervisor regarding my request for a credit limit increase. During the discussion I was informed that there isn't an appeals process - but Capital One was unable to do a soft pull of my credit which I found difficult to believe given that on the letter with their explanation, Capital One was unable to obtain specific information about me. However, they were able to obtain a credit rating of XXXX with information associated with my credit score enclosed in the letter. Something about their process or appeals lack there of doesn't appear to be right. I informed the representative and her supervisor that I just bought second home and if my credit was subpar, I would not have been able to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I requested an investigation 3 times and they continue to send back notices that they investigated it with no real investigation done. this last time they sent me back a notice yesterday that they were unable to honor my recent request because I did not provide sufficient identification information for them to verify my identity, or the information that I provided was not legible. I had all of the information I sent to them NOTORIZED. AND SENT CERTIFIED MAIL and which all included a copy of my drivers license and a copy of my social securtiy card. they did not provide me proof of an investigation was done, nor did they do an investigation. they just keep sending back these letters with excuses as to why they will not do an investigation. they continue to give me the run around. 

ALL DOCUMENTS WERE SENT TO EXPERIAN CERTIFIED AND NOTORIZED

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 2019-01-30 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: MI

Complaint narrative:
I have a credit card reporting on my credit bureaus as a derogatory account. This account was included in my Chapter XXXX bankruptcy in which I listed it in my bill of matrix. This matter should have been removed once my BK was discharged. It is still showing on 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 2019-01-30 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: MI

Complaint narrative:
I have a credit card reporting on my credit bureaus as a derogatory account. This account was included in my Chapter XXXX bankruptcy in which I listed it in my bill of matrix. This matter should have been removed once my BK was discharged. It is still showing on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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 a credit card reporting on my credit bureaus as a derogatory account. This account was included in my Chapter XXXX bankruptcy in which I listed it in my bill of matrix. This matter should have been removed once my BK was discharged. It is still showing on 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 2019-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My ex-girlfriend opened a credit card with me as an authorized user, not co-signer, allowed the account to go delinquent and close, and it is now negatively affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
still reporting acct delinquent when it was brought current and is current XX/XX/XXXX is date acct was brought current and today they reported it delinquent again. As well as they show up as XXXX on XXXX  and XXXX XXXX on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TFS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I took out a HELOC with Third Federal in 2006. Along with the loan I received a brochure that states Lowest Rate Guaranteed For The Life Of The Line, you get either a rate adjustment or {$500.00} if they dont match it. It also states If you ever find a lower rate, a year from now, or even ten years from now, we will beat it, or give you {$500.00}. My HELOC is Prime - .51 %. Third Federal currently offers HELOCs at Prime - 1.01 %. I submitted a rate adjustment online and the response was I would have to apply for the loan. I talked to the local office in XXXX  FL and made the request and was told its only for when I first get the loan ( even though I pointed out it says for the LIFE of the loan and gave an example of guaranteeing it even 10 years later ). The brochure states To receive a competitive rate adjustment, either fax or deliver to your local Third Fedral branch or Customer Service department, a copy of the competitive product advertisement. Ive done both with no satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
XXXX XXXX XXXX  managed by Capital One offers 6 months same as cash. I found out recently that within the last 2 months of the 'Same as Cash ' promotion period, payment funds are applied to the Same as Cash balance, which will cause any regular balance to have interest charged. This has happened to my account on 2 separate occasions. I noticed the following notification on my billing statement : How payments are applied to your account : We apply the amount of your payment equal to the Minimum Payment Due at our discretion and generally to the Minimum Payment Due calculated on each credit plan. We apply any payment in excess of the Minimum Payment Due on your account to higher APR balances before lower APR balances. If you have a Same As Cash Credit Plan ( s ), we will automatically apply payments received during the final two complete billing cycles and up to the date of expiration first to the required Minimum Payment Due and next to the plan ( s ) that is expiring, in order of expiration ; at other times, we will treat your Same As Cash Credit Plan as having a 0 % APR for purposes of determining payment application. 

Based on the information above, technically, I need to have a XXXX  regular balance otherwise, any payments will be made to the Same as Cash, which will cause the Regular balance to have interest charged. 

For example : I make a purchase for {$600.00} and select 6-months same as cash. I decide to pay $ XXXX/month until it is paid off. Each month I pay any additional purchases balance, plus {$100.00} dollars. This works without issue until the 4th month of the 6-month Same as Cash, because payments will be applied to the remaining {$200.00} of the Same as Cash balance first. So if I have a Regular balance of {$500.00} and pay {$600.00} ( $ XXXX+ {$100.00} [ monthly same as cash ] ), {$200.00} will be applied to the Same as Cash balance, leaving the Regular balance of {$100.00} in which I am charged the regular APR rate. This in effect means that I don't have 6 months to pay off the remaining balance. 

With both occurrences, I spoke with Capital One and they reversed the interest charges, but many people may not have caught this and were charged interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
My PenFed Member Number is XXXX. After speaking with the membership services department at Penfed, and as per the advise received, on XX/XX/2019 I requested Penfed to add me as a joint borrower to three different PENFED accounts. My email request dated XX/XX/2019 and its attachments ( three pages ) are again attached herewith. But these accounts are not yet being reported to all Credit Reporting Agencies ( CRAs ).

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 2019-01-30 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Applied for and approved for XXXX Preferred Business Card from American Express in 2018 with XXXX point sign up offer. Spent the required {$5000.00} in 3 months and did not receive XXXX points. Talked to rep. and found out was denied bonus. They opened an inquiry but the points are still missing. I would like it researched and points awarded for the following reasons : -Have only had XXXX or XXXX American Express cards in last 20 years. ( still have 2 of them ) -Have never had the American Express BUSINESS card before so the once per lifetime bonus rule in the fine print has been followed. 
-Never received a pop-up message while applying online or any mail / email indicating my bonus had been denied after the card was approved. 
-Spent over {$5000.00} in 3 months and met the minimum spend requirement to get the XXXX XXXX points. All of the spending is from real legitimate purchases. 
-Fully expected American Express would honor the bonus for sign up but did not. Never received any communication that I would not get the bonus or wouldn't have spent the {$5000.00} in that short amount of time. 
Thank you for checking into it.

Company response to consumer: Closed with explanation