vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX I applied for the Bank of America Cash Rewards Credit Card. I needed to make a big purchase and the promotions appealed to me, specifically the 0 % introductory APR for 15 billing cycles. I visited their website and called to set up the card over the phone, where I was informed ( by both the website and person on the phone ) that the 0 % APR period was indeed for 15 billing cycles. 

Upon receiving my first statement on XX/XX/XXXX I was dismayed to find that my 0 % APR period was only for 12 billing cycles, and ended on XX/XX/XXXX instead of XX/XX/XXXX. I called Bank of America on XX/XX/XXXX and an associate stated that when I applied the promotion was 0 % APR for 12 billing cycles, and that the promotion for 0 % APR for 15 billing cycles began on XX/XX/XXXX ( almost a whole month AFTER it was advertised to me, personally ). 

I was transferred to a Bank of America manager with the applications department, who listened to the recorded call I made to them on XX/XX/XXXX and confirmed that the associate told me the promotion was 0 % APR for 15 billing cycles. He apologized, but stated that they could not change the promotional period in their system. I reached a dead end. 

I believe that this is not the first time that Bank of America has misinformed their credit card applicants, and that it will not be the last unless something is done about it. That is why I am asking the CFPB to investigate Bank if Americas misleading advertisement, so the bank may pay closer attention and not mislead other customers. 

My name is XXXX. Please let me know if you need any additional information 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 non-monetary relief
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
Verification letter was sent on XX/XX/XXXX and the collector did not respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 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: IL

Complaint narrative:
My car was repossessed XX/XX/XXXX and was redeemed the following day XX/XX/XXXX. The " Redeemed Repossession '' comment is still reporting as of XX/XX/XXXX and negatively affecting my credit score. This is currently violating the FCRA 15 U.S. Code 1681c due to reporting after the 7 year / 7 year 180 day mark.

Per 15 U.S. Code 1681c ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ... 
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.5 Also : ( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: AZ

Complaint narrative:
This complaint refers to a misleading and deceptive repayment structure that FedLoan Servicing presents to repay my student loan. 

The description that follows is the Graduated Repayment Plan on the FedLoan Servicing website, " With Graduated Repayment, your payments start out low and gradually increase over the life of the loan ( typically every 2-4 years ). '' Since 2013 I have paid {$12000.00} to FedLoan. On time. I realized that {$1200.00} has been paid towards principal, with {$10000.00} paid towards interest. My loan started at {$31000.00} at the time of disbursement and the current balance on the loan is still idling at {$31000.00}. The interest rate on my loan is 5.5 %, so it puzzled me, until I realized the deception in the language used to present this, Graduated Repayment Plan. 

It is considered, deceptive language, to define a Graduated Repayment Plan as such, because this plan does not explicitly explain to the borrower that there will be no repayment but rather, you will accrue, as by definition : compound interest. Compound interest is not defined by any means in such text. Thus, no repaying '' has truly accrued, since they set the base of this plan lower than what market standard interest allows, so for years I have been unknowingly accruing compound interest on top of the interest that was owed without any such knowledge due to the definitive terms and text used at signing. 

I will add, and this goes without saying, the emotional and psychological duress of paying this loan back on time since 2013, never having missed a payment, never having had a payment arrive tardy, to only find out that I was sold fraudulent terms, undermining my trust with misleading terms within, have made me lose total hope of arriving at a place where I could be considered debt-free. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I had an outstanding debt for medical bills from XXXX Hospital and they sold my information to a debt collector and they have called my workplace several times and when I tried to return the call, it was automated and no one would ever answer. So today, they called my work again and on my break, I called back and the lady said that this was the last attempt before they would start garnishing my wages. So she made me Agree to an amount that I told her was too much and she said if I didnt give her my banking info they would take me to court and start garnishing my wages. XXXX hospital is a nonprofit organization and for them to sell my debt is outrageous. I am totally lost on what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 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: 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 non-monetary relief
Consumer complaint received 2019-08-27 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: GA

Complaint narrative:
Transunion is reporting a fraudulent XXXX XXXX XXXXXXXX account on my credit file. I have submitted a FTC FORM to Transunion and to XXXX XXXX XXXX. Transunion is still reporting incorrect information on my credit file. Please assist me in getting this account removed.

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 2019-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Verification letter was sent on XX/XX/XXXX and the collector did not respond.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: NY

Complaint narrative:
Identity theft victim

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 2019-08-27 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: NY

Complaint narrative:
Identity theft victim

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 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: NY

Complaint narrative:
Identity theft victim

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 2019-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bepensa Capital, Inc.
State: TX

Complaint narrative:
I have repeatedly received calls from agents from Credito Real USA to my job. Each time I have instructed these individuals to not call my place of business concerning personal matters. Despite my requests, these agents have continued to call. 

On XX/XX/2019, a representative from XXXX XXXX XXXX XXXX actually came to my office to deliver a letter on behalf of Credito Real USA after XXXX on Friday, XX/XX/2019. The representative requested to take pictures of my vehicle in front of other suite owners in the building. That same day ( XX/XX/XXXX ) I sent an email to Credito Real USA instructing them not to contact my job. Today, XX/XX/2019, I received another call to my office number. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: NY

Complaint narrative:
Error not fixed

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 2019-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit Systems sent me a letter that they intended to collect a debt for unpaid rent. I sent them a letter challenging the debt and they sent me back a copy of the lease and an invoice. 

My name was not on either the lease or the invoice provided as proof of the debt owed. They stated in their letter that they had validated the debt from the provided paperwork. 

They reported the collection to the big three credit reporting agencies. I was able to get XXXX to remove the collection, but the other two have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
AN HSN CARD WAS OPEN IN MY NAME. I TOLD THE COMPANY I NEVER APPLIED FOR A CARD THEY WOULD NOT LISTEN TO THIS TO A COLLECTION AGENCY. I PURCHASED PRODUCTS USING MY DEBIT CARD OR SEND IN A CHECK MOSTLY. I DID NOT AUTHORIZED OR SIGNED FOR A CREDIT CARD NOR DID I USE THEIR CARD FOR PURCHASES. SOMEONE ELSE DID THIS I DID NOT AND IT WAS REPORTED TO CREDIT AGENCIES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: eMoneyUSA Holdings, LLC
State: MO

Complaint narrative:
On todays date, XX/XX/19, I emailed emoneyusa to revoke authorization for automatic debits from my bank account. Per the loan agreement, the revocation has to be in writing. I immediately received an email, two text messages ( one of which was addressed to a XXXX? ), and a phone call. They call me from a XXXX XXXX XXXX XXXXI dont know what that is all about. They refused to honor my revocation of authorization, and told me to call in order to discuss other payment options, despite them having denied my request for a short forbearance moments earlier. XXXX is the representative that was contacting me. I did call them and they were closed. I also sent a text message back to XXXX repeating my revocation. I have not heard back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Error not fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I had a open dispute with equifax its been 30 days and I havent received an update on my dispute status

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: OH

Complaint narrative:
Trans union received official documentation of my police report and affidavit proof of identity theft but they continue to report XXXX  XXXX account ending in # XXXX and XXXX account ending in # XXXX i will attach a notarized affidavit and i will attach proof of police report. Also checking my credit on XX/XX/ i have also found that XXXX account ending in # XXXX is reporting additional inaccurate information on my credit report which will be attached. Trans union reports last payment on XXXX account on XXXX XXXX XXXX reports last payment XXXX. Error number two same  account two different close dates trans union reads XXXX XXXX XXXX readsXX/XX/XXXX. Error number three days late trans union  reports 120-149 days late XXXX   says 180 days past due. Also the XXXX account ending in # XXXX is a closed account reporting monthly payments of {$230.00}. These errors on my credit report has been harming me financially and emotionally i cant continue my line of business with inaccurate information on my credit profile.

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 2019-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AZ

Complaint narrative:
Every day, Monday through Saturday, One Main Financial calls me three times a day during my work hours. I have spoken to a representative before to inform her that I can not answer my phone from XXXX - XXXX. I told her if she can please add on the notes to call me after XXXX. This has not been resolved. In addition, they keep calling to ask me to make payment or that there is a late fee. I've already explained to them that I am in a debt consolidation program that manages my payments and sends payments to them. No other creditor calls me as much as they do because they all know that I am on a debt management plan. They should be contacting the debt consolidation company instead. It is frustrating getting called every day, three times a day, especially when I am at work attending important meetings or talking to customers. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted an application for credit cards and the bank institutions are not able to review my credit reports in my Experian and XXXX  accounts. I want these fraude alerts or frizz to be remove asap so the institutions can go ahead with the review of my credit reports to see if im approved or not. I understand is maybe for security reasons but is not fair because the score in my credit had been very damaged.

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 2019-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NY

Complaint narrative:
I disputed several companies on my report along with a police report indicating that i am a victim of identity theif the items were removed after invesigated and then place back on my report from other collection agenices numerous times making my credit score drop with false information when I also have a fraud alert placed on my account to verify my identity

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I opened a checking account on XX/XX/XXXX for a {$400.00} welcome bonus when direct depositing {$3000.00} into the account for 3 consecutive months. The bonus was to be deposited within 45 days of meeting the terms. I sent a message on XX/XX/XXXX asking about my bonus and was told that I had fulfilled the requirements and would receive my bonus by XX/XX/XXXX. I sent another message on XX/XX/XXXX after it was not deposited and was told to wait 14 days for a response in mail. I received a letter in the mail dated XX/XX/XXXX that said I am ineligible because I didnt satisfy these requirement : Existing customers that open an additional account are not eligible for this promotion. 

The terms of the bonus I have say one is ineligible if : A current owner of a consumer wells fargo account A wells fargo team member Received a bonus in the last 12 months I did not have a checking account open when I opened this account. I have received a bonus in the past, but it was in XX/XX/XXXX, well before the 1 year requirement.

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 2019-08-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/2019, I noticed charges on my card that wasnt mine. I immediately reported at that time that i dont have possession of that card. Capital one put the credit back on my account after a 30 day investigation. After 60 days, capital one put the charges back on my account without me knowing about it. I have been denied business credit, charge interest that made my account go over its limit. There is camera footage from XXXX   XXXX that shows a person that is not me nor my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: AR

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NV, XXXX To : XXXX Dispute Department 1. DELETE XXXX  XXXX XXXX XXXX because of multiple inaccuraciesXXXX 1. it is a closed account that is still reporting current activity with failures to pay reporting in the Payment History section of this list on '' XXXX ``. 2. TranUnion is reporting that his charge-off Updated on XX/XX/2019 in the Status Updated section of this listing. However, XXXX is reporting that this charge off updated XX/XX/2019. in the Status Updated section of this listing. Which is it? This account is inaccurate. Please Delete Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 

Included is my dispute letter and a copy of my State Id, Social Security Card.

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