vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-29 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
In XX/XX/2020 I made an in-store purchase at a XXXX XXXX XXXX store ( hereinafter, " XXXX XXXX XXXX '' ) in XXXX, VA. The store advertised a XXXX XXXX XXXX Credit Card which would earn 10 % back in reward dollars on merchandise purchases in-store and online. 

To open an account, I was instructed to call the card provider, Synchrony Bank. I explained to their customer service agent that I wished to open a XXXX XXXX XXXX Credit Card. I made it clear that I did not wish to open a XXXX XXXX XXXX Mastercard, which is separate and distinct from the regular XXXX XXXX XXXX Credit Card. I was advised that my application would need to be approved and that I would receive the XXXX XXXX XXXX Credit Card within 7-10 business days. 

Subsequently, I received a XXXX XXXX XXXX Mastercard, not the regular XXXX XXXX XXXX Credit Card. I immediately contacted Synchrony Bank Customer Service at XXXX ( XXXX ) XXXX on XX/XX/2020. I explained what happened. The issue was escalated to a manager, XXXX ( Staff ID XXXX, working from XXXX  XXXX ). I was advised by the manager that my application was for both the regular credit card and the mastercard. I explained that their agent did not explain this to me when applying, despite it being made abundantly clear that I did not want any mastercard but the regular card. I received an apology for the misinformation.

I believe this to be a fraudulent practice, whereby Synchrony Bank, through design or negligence, advertises a regular card but replaces it with a mastercard upon application. At the very least, their agent lacked sufficient and appropriate training, and was unable to provide clear and correct information to me, a consumer. If I had known that I would be applying for both and that it would be up to them to decide which I would receive, I would not had applied in the first place. 

I closed the account after being advised that I could not be " downgraded '' to the regular card. I was also informed by Synchrony Bank 's XXXX that, if I opted to close my account, I may not be able to reapply for the regular card. I find this practice likewise bad business practice, seemingly a threat that if I opt not to do business with them now I may never be able to do so 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 2020-01-29 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover financial services recently requested that I file an IRS form 4506-T to determine whether they would keep or close my credit card accounts, I signed the esign form, as a result, they still closed my accounts stating that they were not able to verify personal information on my account. The will not disclose what information they couldn't disclose, and I as a consumer should know what information it is so I can fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
Hi I tried for 7 years to resolve this issue with XXXX. They sent my statement to an old address. They refused to send it to the new address. I have never received a statement. 
I've called and written to them 11 times.

They have sold the debts to 10 different credit collectors over the year. This has caused me to not be able to purchase a house, get credit, dropped my score from XXXX to XXXX. 

I called the new collection bureau and they refused to send me the statements. I have never received a statement from XX/XX/2012My husband died and I moved away. I gave them my new address and they never sent the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am trying to get a freeze lifted temporarily and to get a copy of my credit report from Equifax. When I tried to get the credit report online Equifax responded that I needed to mail my information. This was after I had followed all of the online steps. I also followed the steps to get my freeze lifted. After several weeks I received a code via postal mail that was supposed to work until XXXX. The code did not work. When I called the 888 phone line I worked through the phone tree and was told that I could get the credit report and help with my freeze. I ended up with a service representative that was not helpful. She questioned whether I even had received mail from Equifax to remove my freeze. 

This is in stark contrast to the service and results I have had with XXXX, XXXX, and XXXX. I received credit reports from these 3 and was able to remove the freeze easily and usually online. 

My latest failed attempt with Equifax was today and was 20-30 minutes of futility and frustation. I am left not knowing how to proceed to get my report and the freeze removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: IL

Complaint narrative:
CRA is in violation of DODD FRANK ACT and several consumer protection laws, also federal and state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Navient is making harassing calls to one of my family members who has nothing to do with my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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:
Not my account

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 2020-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
My grandma passed away in XX/XX/XXXX without a will so I kept paying the lien on her house through a company named ocwen loan service with no problem in XX/XX/XXXX I guess they gave the lien to another company named ohh loan services I was paying between 550.00 $ and 600.00 $ a month with ocwen then it went up to XXXX $ with phh then the following month phh sent me a letter saying my grandmother estate owed them XXXX $ Im wondering how can I owe them when Ive never missed a payment never

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I recently opened a joint checking account with M & T Bank with my husband, and I am in the process of transferring from my individual M & T checking account to my joint account. On Friday, XX/XX/2020 I disabled the overdraft protection feature on my individual checking account with M & T. Following this action, 2 transactions were completed resulting in a negative account balance as well as 2 insufficient funds fees. I contacted M & T on XX/XX/XXXX asking for a removal of the insufficient fund fees, and notified them of my intent to pay the outstanding amount, though I did not wish for it to be transacted from my bank account. Unfortunately, the two people that I spoke with informed me they would not be able to do so because they have previously reversed overdraft fees. However, half of the incidents of reversal of overdraft fees were erroneous, as there were funds available during the time the transaction posted. I would like the overdraft/insufficient funds fees removed from my account, as I have willingly paid them many times while experiencing financial difficulty and banking with M & T. Not to mention, I specifically requested for this feature to be removed from the account, but my request was ignored.

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 2020-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hi I tried for 7 years to resolve this issue with Citicard. They sent my statement to an old address. They refused to send it to the new address. I have never received a statement.

I've called and written to them 11 times.

They have sold the debts to 10 different credit collectors over the year. This has caused me to not be able to purchase a house, get credit, dropped my score from XXXX to XXXX. 

I called the new collection bureau and they refused to send me the statements. I have never received a statement from XX/XX/2012My husband died and I moved away. I gave them my new address and they never sent the statement.

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 2020-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have depicted the dates and misinformation from Bank of America employees dating back to XX/XX/19.

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 2020-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Sorry but my exact situation was not available in the selection process. 

In XX/XX/XXXX, my mother had a severe XXXX. In XX/XX/XXXX I moved from XXXX  to XXXX  to help my sibling care for her. I had to break a lease contract and had fees to pay. It went to collections at XXXX XXXX - XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. In XX/XX/XXXX, I called the company and was told if I paid the two charges in full, they would be removed from my credit. And if I didn't pay in full they would be put on my credit report as refusal to pay. So I paid in full close to {$3000.00}. I do not dispute the debt was mine and correct. I have called multiple times. I have emailed every person listed as management on their website over the last 10 months. I was directed to a manger Mr. XX/XX/XXXX who was very rude and told me he would make sure it was never removed from my credit report. The account for {$2300.00} is showing as paid to XXXX, XXXX  and XXXX  on my report but it has not been removed. The account for {$550.00} is showing paid to XXXX  and XXXX  but not XXXX. I have disputed this 3 times and it has not been corrected. I have exhausted every means available to me and need your help please. I ran my credit report on FICO site and as of yesterday it is still there. 

Sincerely, 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 2020-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX, I have a refund credit of {$1000.00} posted to my Best Buy store card by citibank. I have called them multiple times, but they say they can not help me because they are unable to verify my account using my phone number. The phone number I gave them is the one listed in my account and also the phone that I used to call them with. Apparently there are a multitude of issues with citibank verification system. I would just like my refund because as a XXXX XXXX, it is hindering me from getting gas money, groceries, etc.

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 2020-01-29 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: OH

Complaint narrative:
Equifax ; XXXX  and XXXX are reporting incorrectly a current balance of {$16000.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle broke down and was covered under the factory/dealership warranty. The dealership would not honor the warranty and consequently would not fix the vehicle. I returned the vehicle back to the dealership. I was told that there was no outstanding balance due. I was not aware there was a negative item reporting until I obtained my most recent copy of my credit report. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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:
I have tried to resolve this matter on my own but have not been able to, If you could assist me in resolving this issue. The following account is not mines : XXXX XXXX XXXX XXXX XXXX {$120.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29 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: OH

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a current balance of {$16000.00} on the XXXX  partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle broke down and was covered under the factory/dealership warranty. The dealership would not honor the warranty and consequently would not fix the vehicle. I returned the vehicle back to the dealership. I was told that there was no outstanding balance due. I was not aware there was a negative item reporting until I obtained my most recent copy of my credit report. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-01-29 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX  ; Experian and XXXX are reporting incorrectly a current balance of {$16000.00} on the XXXX  partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle broke down and was covered under the factory/dealership warranty. The dealership would not honor the warranty and consequently would not fix the vehicle. I returned the vehicle back to the dealership. I was told that there was no outstanding balance due. I was not aware there was a negative item reporting until I obtained my most recent copy of my credit report. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-01-29 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:
I have recently had a derogatory remark added by a rogue debt collector called XXXX XXXX on my credit report. After attempting to notify and collect information on the debt, XXXX XXXX failed to provide information that would validate that I owed any debt and I asked them to provide further information if they had it, which they did not because I did not hear from them again. 

Weeks later, I see a hit on my EQUIFAX credit report showing a debt outstanding with XXXX XXXX and immediately disputed it. After a few days, EQUIFAX responded that the debt is valid and not being removed from my credit report. 

I then spent the next eight days attempting to contact EQUIFAX about this and ask them to provide any correspondence or evidence that was provided to EQUIFAX by XXXX XXXX, since EQUIFAX claimed the debt is mine, so surely they received information to prove this. 

After days on the phone with customer service and emails sent to XXXX, along with their CEO XXXX XXXX, several VPs and Customer Service Manager XXXX XXXX, I was ignored and promised I would be contacted from someone at EQUIFAX but was not. 

I have also filed CFPB complaint against XXXX XXXX and the original company that XXXX XXXX supposedly purchased the debt from. 

This false, derogatory, and incorrect information needs to be immediately removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: PENTAGON FEDERAL CREDIT UNION
State: MS

Complaint narrative:
i been on hardship because havent work in some months, so penfed closed my account and now sending this letter about suing me with their lawyers.i have reach out to them about this account to keep it in good standing.

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 2020-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
24/7 Advance financial repeatedly charged my bank account after i paid off the full balance that i owed. I walked into the branch to make sure my payment went through and the clerk informed me that my bank cleared the payment and was waiting for their bank to proccess it. But a few days later i was getting notifications from my bank that 24/7 financial attempted to debit my account {$61.00} this happened at least 5 times which is excessive because i did not Authorize any autopay from my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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:
I have tried to resolve this matter on my own but have not been able to, If you could assist me in resolving this issue. The following account is not mines : XXXX XXXX XXXX XXXX XXXX {$120.00}

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 non-monetary relief
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
Hello The debt is not mine, We cancelled the therapy and asked for a refund. Please see note. I am not responsible for this debt. The father was responsible through a court order. I don't owe this bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation