vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-28 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: PA

Complaint narrative:
Mail offer for 0 % 18 months on purchases and balance transfers and {$0.00} balance fee for first 60 days. Received new card with disclosure summary which reflected same as mail offer but when the card was activated CS rep said no!!!!! card terms were 15 months 0 % and 3 % transfer fee! Was transferred to 6 CS reps for total of 2 hrs and last one only offered to waiver 3 % after transfer posted to account which I refused. I WANT THE TERMS OF THE DISCLOSURE SUMMARY THAT CAME WITH THE CARD APPLIED TO THE CARD WITH WRITTEN PROOF before I do any transfer balance! Clearly BANK OF AMERICA is using this tactic. of bait and switch targeting retired people

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 2018-12-28 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On my report via XXXX XXXX XXXX whereas I'm an authorized user the remarks says consumer disputes, reinvestigation in process, please remove remark, I did not dispute this account, XXXX XXXX XXXX, open XX/XX/2001, balance XXXX. Please remove remark.

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 2018-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: TX

Complaint narrative:
I have been receiving numerous telephone calls from XXXX XXXX XXXX XXXX of XXXX, GA, telephone number XXXX, attempting to collect a debt from a Ms XXXX XXXX. I am not Ms XXXX and do not know who Ms XXXX is, where she lives, or any other information about her. 

I have explained this numerous times to this company and they hang up on me when I try to talk to them about this. I have tried to explain to them that the number that they are calling is not a home land line number, is not a cell phone number, but in fact is the access number of my XXXX XXXX XX/XX/XXXX. However, they continue to call, some days, 4 -5 times a day.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have tried contacting since XX/XX/2018 and on alsoXX/XX/2018 Ally to help lower my payments because of a passing in my family.

They never allowed me to lower my payments.

Then It got to the point where they repossessed the car on XX/XX/XXXX which is a XXXX XXXX XXXX. I had been making my payments on time until a few months ago.

After they repossessed my vehicle I called 3 times again and kept getting transferred.

After I finally spoke to XXXX a customer service agent of the company i told I wanted to know how much of all of my payments were going to the surety bond for this loan. I got transferred over 3 times and no one would give me an answer.

I know that all loans include a Surety Bond and I am aware that she inform the customer upon request.

I know that The surety bond has enough to cover the remaining balance of the loan

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 2018-12-28 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: NJ

Complaint narrative:
On XX/XX/2018 I submitted one letter to each major credit bureaus via certified mail for the unauthorized hard inquiries on my report. Each bureau stated I must contact each furnisher of each individual inquiry without a proper investigation to determine the inquiry accurate.

However, according to law I have a right to a fair investigation to be conducted by the credit bureaus reporting information on my credit file from creditors.

Each inquiry remains unverified because no direct contact to the furnisher was made.

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 2018-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX. 
XXXX XXXX XXXX has placed an alleged collection on my credit reports recently. 
I have no idea who this company is or why they are attempting to collect a debt from me. I have never had an account or done business with them. 
Furthermore I was never given a notice of this debt nor my right to dispute it. 
I am asking for validation of debt, and proof of notice being sent to me. 
If this is a medical debt I'd like to see itemized breakdown of the bill and original charges. And if they provide these documents and XXXX is not a medical facility and don't have my written proof to view or have these documents then that has to be a HIPAA violation ... along with FDCPA violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I transferred money both through online banking and teller transfer with bank of America to another bank of america account which later turned out to be fraudulent. I filed a police report with the local police department and there is warrant out for the persons arrest with that account. I filed a claim with bank of america and they didn't do anything about it. I called again to the police department and they said file a complaint with bank of america because they should do something about it

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 2018-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
I sent a validation letter to the medical debt company Optimum Outcome INC on XX/XX/2018 ( I attached the certified mail receipt ) and I waited to receive a response to show that this debt is mine and I never received a response. Since I never received a response I sent a 609 letter to both XXXX and XXXX on XX/XX/18 letting both beaus know that I sent a validation letter and I didn't received a response and I asked them to either validate the debt or remove it from my Credit Report because it is unverified debt. Both credit beaus responded to my dispute and said they validated the debt and it will not be removed however they also did NOT send me any validation or the steps they took to validate the debt. On XX/XX/2018 I sent a 2nd 609 letter letting both beaus know that this is the 2nd debt validation and explained on the letter that I sent a validation letter and I didn't received a response and I asked them to either validate the debt or remove it from my Credit Report because it is unverified debt. I received a response from both beaus on XX/XX/18 stating again that the debt was validated and again they did not send me any proof. This is not my debt and I have been asking for validation since XX/XX/18 and no one will send it to me. Can this account please be removed from my credit reports. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
PayPal Credit charged my credit account {$69.00} for a 1 year subscription to XXXX XXXX that I did not approve. 

I did not receive the 1 year subscription. I contacted XXXX to request my paid for subscription or a refund. I did not receive either. 

Several email to PayPal and XXXX resulted in no action from them. They sent a standard email reply that the complaint was resolved. It was not. I then sent, via certified mail, a formal dispute of the charge to PayPal on XX/XX/2018. I have received no resolution to the problem.

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 2018-12-28 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: GA

Complaint narrative:
I'm showing a voluntary repossession with a joint account from XX/XX/2015 on my credit report with XXXX XXXX XXXX that I'm not aware of. I've contacted them to provide my some type of validation to this account ( signed ink or any document proving, I'm the one who got this account ) and they have nothing on file so they tell me not even as much as who else is on this account so I've tried disputing this with both the company and the credit bureau ( Equifax ). This currently has effected my credit in a negative way and all I want is some resolution and to know if I can pursue this through legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2019, I initiated a {$10000.00} transfer from my Capital One account to my XXXX account. I am the sole owner on both accounts. Capital One unduly profiled the transaction as suspicious based on discriminatory reasons, froze my accounts and notified me all my accounts were frozen.

I called them right away and spoke with a member of the security team who subjected me to a series of prying Securities questions and steps to verify me and that I had initiated the transaction. After I patiently and successfully complied to all Capital One uncalled for security steps, I asked the agent if everything was in order and he confirmed that it was all good.

The next day, I found out from XXXX that the {$10000.00} transfer was reversed by Capital One from under my nose.

Capital One never bothered to inform me this would happen at any point in my dealing with the security team, on the contrary they said that it was all good.

I followed up many times since I found out from XXXX about the illegal transfer reversal by Capital One and my funds are still to this day not back on my account. It is now the XX/XX/XXXX and Capital One is still not telling where my funds are.

No one from Capital One Customer Service or Capital One security team bothered to give me updates ( I have to call them every single day to get different answers ) and they tell me they have no control over this ; when they are the ones who purposely made the mistake and created this mess.

I believe I have been profiled/discriminated against as there was no objective/factual reason under the sun to flag my transaction as fraudulent. It is a regular domestic transfer from one account I solely own to another account I solely own, that I also went through the extra step/hoops of thoroughly verifying on the phone with the security team at Capital One.

I am asking full reparation : my funds + compensation for interests lost and for the time spent dealing with this ordeal and aggravation I have been through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I applied for a loan consolidation with XXXX XXXX in XX/XX/XXXX because they already held a bulk of my graduate student loans. During the process of the loan consolidation, I indicated that I was unemployed and submitted an app for an Income based repayment on XX/XX/18 ; along with the app, I uploaded my spouse paystub to my online account with XXXX as directed by a representative. I received a text message from fedloan stating In order for my Income repayment plan to be considered I needed to upload supporting documents so I called in twice, once in XX/XX/XXXX and again in XX/XX/XXXX regarding this uploaded paystub ; I notified the reps each time that I had already submitted the paystub and each time it was confirmed they could see the paystub.On XX/XX/XXXX, I received notification the consolidation was completed with no mention of the income repayment plan. On XX/XX/XXXX, I received another text from XXXX stating my payment is coming due on XX/XX/XXXX, etc. so I logged into my account to see why I had a payment due when I had applied for a repayment based on my unemployment. When I logged in I see a notice stating I needed to provide a paystub for my repayment plan so again, I call into customer service and the rep tells me it was denied because they didn't know how often my spouse was paid. Once I told him where to find this information on the stub he advised me he would resend the app for review ; I was never notified or contacted about this missing information until I reached out to them to check on the status. As of today,, XX/XX/2018 my account is now showing in a 5 day delinquent status. I sent an email ON XX/XX/18 inquiring about the status of my repayment plan and the reply back On XX/XX/18 stated it's still pending as of XX/XX/XXXX and not the original date I submitted it months ago. I have not been able to get this escalated and resolved with XXXX ; I am only getting the runaround about my account that I have diligently attempted to resolve prior to going into a delinquent status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: NJ

Complaint narrative:
On XX/XX/2018 I submitted one letter to each major credit bureaus via certified mail for the unauthorized hard inquiries on my report. Each bureau stated I must contact each furnisher of each individual inquiry without a proper investigation to determine the inquiry accurate.

However, according to law I have a right to a fair investigation to be conducted by the credit bureaus reporting information on my credit file from creditors.

Each inquiry remains unverified because no direct contact to the furnisher was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: NJ

Complaint narrative:
On XX/XX/2018 I submitted one letter to each major credit bureaus via certified mail for the unauthorized hard inquiries on my report. Each bureau stated I must contact each furnisher of each individual inquiry without a proper investigation to determine the inquiry accurate. 

However, according to law I have a right to a fair investigation to be conducted by the credit bureaus reporting information on my credit file from creditors. 

Each inquiry remains unverified because no direct contact to the furnisher was made.

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 2018-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: NM

Complaint narrative:
I had one cash advance 15 years ago ( so long ago that they can not tell how much it was for. ) Since, they have applied ALL of my purchases in 15 years toward the higher interest rate ( as a cash advance at 25.99 % rather than the purchase interest at 18.99 %. ) I contend that Discover Card has overcharged me for interest for 15 years.

I have tried on multiple occasions to resolve this with the company. I have watched every purchase since be placed under the 'cash advance ' higher rate.

They can not help, and their description of how they are conducting their process seem deceptive at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including other furnished Lexis Nexis, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act,  you are required to comply. My name is XXXX XXXX XXXX. My date of birth is XXXX. I am currently Self Employed XXXX XXXX XXXX XXXX My current and only address XXXX XXXX XXXX, XXXX, OH XXXX the following addresses are not mine please delete them. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I had initiated a dispute with Equifax on XX/XX/2018 due to XXXX XXXX XXXX reporting an inaccurate balance for a creditor that had been settled with. Its been 4 months which is well over the alotted time for a company to respond to a dispute before it has to be removed by the reporting credit bureau. I called to inform Equifax of these facts and they claim to not have any record of my XX/XX/XXXX dispute even though my credit report indicates that it is in fact in dispute with the comment " consumer disputes information ''. After requesting that it be removed per FCRA laws they refused and only offered to place it in dispute once again. My credit reporting is being marred by the debt collector with misinformation and by Equifax for not using due diligence in deleting it from my report for the debt collectors failure to respond within the alotted time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: WA

Complaint narrative:
I opened AMEX XXXX XXXX card on XX/XX/XXXX. The welcome bonus offer was 50K XXXX skymiles, 10K MQM and {$100.00} statement credit.

In past, AMEX had clearly communicated via " welcome bonus qualification tool '' if i'd be ineligible for welcome bonus before submitting the application. However, i didn't receive such messages and was instantly approved for this credit card online.

I've already paid the annual fee of {$190.00} as of XX/XX/XXXX statement and when i called AMEX to inquire about the status of my welcome bonus offer, to my surprise, i was told by CS rep that welcome bonus is declined for me. They never informed me that i'm not eligible for welcome bonus offer until i asked them. When i asked them to inquire about this, they are accusing me of misusing the system by enjoying welcome bonus and not using the cards in subsequent years. Talking to customer rep, i was told that I enjoyed XXXX or XXXX XXXX card welcome bonus. However, that's not true as AMEX ended it's relationship with XXXX and moved that card to XXXX ( i'm still using it on everyday ) and XXXX moved XXXX cards to AMEX. So they are making this judgement because i've few cards that were transferred out or in and not in use much.

I'm surprised that, they never informed me about this before submitting the application or charging me annual fee. The customer service rep have been very rude and unhelpful even after multiple attempt to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: NJ

Complaint narrative:
CBE group has constantly harassed me about a debt claim owed by XXXX. I told them and XXXX  i don't owe this. I told them Verbally in writing and told XXXX  directly to stop all communication. I disputed this with all 3 credit bureaus as well. CBE Group uses XXXX  area phone numbers in hoping i will answer. I have blocked 20 different numbers they have called from. The number doesn't identify them as a debt collector or their name. I have received on days 6 calls even after i repeatedly informed them to stop. They just call from different numbers, even Identifying as XXXX, i questioned the rep that but said she didn't know.I They won't tell me why they are calling. I know why, they tell me they can't unless i give address and social security number. I was a victim of identity theft so i won't give my social. Explained to them, they still asked immediatley after

Company response to consumer: Closed with explanation