vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-21 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
Monday XXXX17 at XXXX there was a transaction charge on my american express serve prepaid card for {$100.00} from XXXX in XXXX, IN. I contacted american express serve XXXX at XXXX and they explained to me there is nothing they can do while the charge is still pending. I must wait 24-48hr for the funds to post, then call back and file a fraud complaint charge. Then I must wait 10 business days for a provisional credit, while compliant is pending up to 45 days. I explained to company that was my only money and I just received my direct deposit into the account Monday XXXX17. I have my physical card in my possesion, only XXXX card per account and I live in XXXX, WI and was at work when the transaction happen. The customer service representatives were rude, careless and kept me on hold for 45 minutes. I must also go through this process again in 48hrs. I asked to whom may I file a complaint, XXXX the supervisor told me they do n't have a department for complaints. He also stated there was no one that I could speak to above him. Now I am broke, needed those funds to make ends meet. 

XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I send money through moneygram here in california going to my sister to XXXX XXXX, when my sister got the check issued by one of the locations in metrotown XXXX XXXX she deposited the check to her own bnk acct. to her surprised, the check bounce and was charge for that, we tried callng moneygram they kept promissing my sister and me to wait until investigation is done, how long will it take for us to wait? Pls help.the amount of money sent is XXXX usd which was transacted last XXXX XXXX,2017.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
I do n't no who did this the amount is {$960.00} its not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: PA

Complaint narrative:
XXXX XXXX XXXX is reporting incorrect information on my XXXX and Equifax Credit Report I have contacted each credit agency via Certified Mail regarding the Account being reported. The Company 's Name is being reported on XXXX  as XXXX XXXX and on Equifax it is being reported as XXXX XXXX XXXX. I do not think this company has a licensees to operate in Pennsylvania due to the various names used. The balance is steadily increasing no payments are being reported correctly causing late payment to pile on my report. Account information is incorrect this account is effecting my credit worthiness and I request this account be removed for my report due to the fact stated above. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Although I paid my account in a timely manner and have never been late, Comenity Bank closed my XXXX XXXX store account with less than two weeks notice and with no reason at the end of XXXX 2017. It also subsequently negatively reported it to the credit bureaus as 'closed by creditor '. As a result, my credit score was adversely impacted with nearly a 40 point drop through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
From XXXX XXXX, 2017, in three different Certified letters ( Attached ), I have requested for the " VALIDATION '' of debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA from Sears. They refuse to provide the necessary information based on above mentioned letter ( Attached ).

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 2017-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I called the company numerous times finally they agreed to remove it from my credit. They only removed it from one bureau. I am trying to buy a house and I do not want this on my credit at all. It is a debt that I do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
This company over charged me and my contract has a diffent amount

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: DISCOVER BANK
State: ME

Complaint narrative:
Around XX/XX/XXXX I ordered tickets for a vacation on my Discover credit card. I called then to see if they could give me 0 % and they advised not in the lurches I already made but there was a promotion going forward for 0 % for 18 months they could give me. I transfered the balance from the trip to another credit card to get 0 % and used the discover for purchases going forward being it was supposed to be 0 %. A couple months later I looked at my bill and noticed finance charges. That 's when I called and was told they had no record of this and could n't pull the call. I spoke to a couple different managers and was promised call backs several times before reaching someone that advised they would credit the interest and put it on the 0 % as quoted. She stated it was clear was the notes that is what I was told. This was around XX/XX/XXXX. I looked at my billing again this evening and once again there are interest charges so I called and spoke to a girl named XXXX who told me she was not going to give me the 0 % and interest is 15.99 %. I told her I want the call pulled and she said that wo n't happen because they only keep calls for 60 days. I have been lied to and manipulated into paying this company interest. I have several 0 % interest credit cards and would not be continuing to use this credit card if I knew I was being charged interest. My husband and I earn cash back by using credit cards. I want the interest credited to my account and the 0 % interest rate. I am willing to hire a lawyer and file a lawsuit itlf this is not rectified immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-21 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: CITIBANK, N.A.
State: MI

Complaint narrative:
yes i have more information about sears credit card fraud investigation name people has card is XXXX XXXX and her husband put it under my name got account open under my name fraud need to be stop now

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 2017-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
We were in the process of selling our home and needed a payoff from Ditech to gear if it was feasible to be able to sell our home. I contacted Ditech in XX/XX/XXXX and was given a payoff of XXXX and asked them if there was any other debt assigned to the property and they said no, so we proceeded in selling our home. We received an offer in XX/XX/XXXX to sell our home of XXXX, and we accepted it. Closing was set for XX/XX/XXXX. My lawyer XXXX XXXX found that there was another lean on the property and immediately contacted Ditech for additional information. Ditech was less than cooperative to resolve the issue and did not resolve till closing date. Closing came and 1 hour into closing the sale of the property We were informed that we needed an additional XXXX for the sale of the property and if we did not pay it we may have a lawsuit or have to file bankruptcy. What had happened there was a non interest subordinate loan on the property from Hud and Ditech never disclosed it. This was set up by XXXX XXXX in XX/XX/XXXX from a modification. the loan was sold to Ditech and the modification was no longer disclosed by Ditech in any form. We would not have sold our house if we knew that loan was still outstanding. We ended up putting ourselves in deeper debt to close on the property. We were severely mislead by Ditech and there complete lack of service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
From XXXX XXXX, 2017, in three different Certified letters ( Attached ), I have requested for the " VALIDATION '' of debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA from Lowes. They refuse to provide the necessary information based on above mentioned letter ( Attached ).

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 2017-11-21 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: FL

Complaint narrative:
In XX/XX/XXXX, I attempted to correct the last status of a student loan that was consolidated and paid off as of XX/XX/XXXX. Experian conducted their " investigation '' and updated my credit report incorrectly ... stating that I missed a payment as of XX/XX/XXXX.  This account has been closed and paid in full as of XX/XX/XXXX, therefor I can not possibly have missed a payment in XX/XX/XXXX. Upon submitting a letter provided by the creditor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Experian notified me that they could not use the letter in question to correct my credit report and that they would contact the creditor to verify again. Now, they are reporting the account to be in collections as of XX/XX/XXXX ... again, this account has been closed and paid in full as of XX/XX/XXXX ( over two years ago ) and a letter from the creditor was provided to Experian that confirms this. Experian is willfully not accepting the letter that the creditor provided, and their " investigations '' are not resolving the issue and have cost me 51 points on my FICO credit score. As a result of their willful misreporting of information on this account, I am forced to file this complaint.

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 2017-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: CA

Complaint narrative:
NACA - Neighborhood Assistance Corporation of America at XXXX XXXX XXXX # XXXX, XXXX, CA XXXX. Has abused, harassed and neglected my file. I am a single women that has never purchased a home. The have asked me for the same EXACT paperwork 7 times since XXXX 2016. I have worked with 5 different counselors that have been fired. I was told that one of my counselors " lost '' my information and i needed to reply. There have been times I had to call up to 20 times and send up to 10 emails before I am approved. I do not see similarly situated people treated this way. Then when I am finally contacted I am told too many days have passed so my credit needs to be run again and that i need to pay to have it run. The reason so much time passes is because they do not answer my calls then force me to pay and have my credit run again. I only gave them permission ONCE to run my credit while they ran my credit another time without my consent. The first time they ran my credit they said they lost the forms and needed to start over. This is a complete mess. I would like to ask for a refund of my one credit check fee and also for my membership dues and the inquiry on my account removed. They are bullying me into running my credit. Since they know I do n't want my credit score to be lowered they just tell me they will have to run by credit once a month in order to get the loan and they keep telling me my file is complete and sent to underwriting and later i find out that it has not been submitted and that I am required to resend the SAME information again. This is becoming harassment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
Around XXXX XXXX, 2017, I signed up for a Ann Taylor XXXX in my local XXXX Alabama store. I was told the XXXX account would be automatically merged into my existing Ann Taylor card account with Comenity Bank. I went online to pay my card balance and it was not reflected in the balance. I called customer service and was told it 'd be resolved. Within two weeks, I started receiving harassing phone calls from random unidentified numbers. They never left messages. I would 've responded if they had left a voicemail. The frequency of calls increased within another week from 2 phone calls a day to 10-15 a day everyday. They always originated from a Caller Unknown Number on my cell phone and never left a message. Finally, out of pure exasperation, I answered the tenth phone call today on XXXX XXXX, 2017, from an Unknown number. At first, there was no answer but then a woman asked for my name and said she had official business. I asked from whom and she was reluctant at first to say whom. Finally she stated she was calling from Comenity Bank, claimed I was late and demanded I make a payment immediately. I explained all the aforementioned issues. She said that it wasnt her department and that I needed to make a payment tonight. I said I did n't feel comfortable giving sensitive payment information to someone I couldnt verify over the phone, and demanded that the robocalls stop. She said they would n't and she did n't have any control over that. I again explained that my accounts were never merged and that I never received notification of non payment. She still insisted I pay over the phone even though she never verified her identity. I said I would call in the morning and make a secure payment through a verified customer service line and agent. She told me the calls would n't stop until I made a payment. Frustrated and trying to explain that the issue was theirs, I hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Credit Karma Inc. / CreditKarma.com Complaint I reside at an RV park in Texas. The General Manager of this park contacted me and informed me that he had received information from CreditKarma.com, doing business as Credit Karma Inc., that I had registered a vehicle to the park address which is against their policy. I have not registered a vehicle to the park address. I informed the GM of this. I contacted Credit Karma Inc. via XXXX  which is the only way to contact this company, as they have no phone number or mailing address publicly listed, and requested that they disclose any information in their database related to my identity. I understand that the Fair Credit Reporting Act provides me the right to have access to my personal information in a companies database if that information is to be used for the purpose of credit reporting or screening my identity. Credit Karma Inc. refused to disclose my information and attempted to elicit further information from me by claiming that they required names and email addresses that I have used in the past in order to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I called AMEX twice to add a user to my card. I was told that i can add a user WITHOUT my credit being run - PLEASE AMEX GO LISTEN TO THE PHONE CONVERSATIONS.
Amex ran my credit on two occasions to add a secondary user to my card but on the phone conversation i was told and i verified " You credit will not be pulled '' i did not give consent. I have called and written AMEX for years and many times about the UNAUTHORIZED hard out of my credit .This is illegal and unethical. I did not give permission and i specifically asked to make sure that my credit would not be pulled and was issued that it would not be. It still was an NO ONE WAS ADDED on those two days

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
Last year, there were a few orders I used my card for, where the orders were either not delivered or not delivered in tack to merchant policy. After trying to work with the merchants, three required a dispute involvement. TD cancelled the card ( s )  and replaced them with new ones. The disputes were ruled in my favor, after additional information was requested and provided. The balance of those amounts were refunded to the old account number of the cancelled cards ( not the current card/account ). It took 3-4 months to get one of the three 's  refund applied to the current account ... an additional 4 months for the second ... and almost a year later I am still awaiting the third 's refund to post to my current account ( ideally with the interests added in the last year to the initial charge ). Since then I have requested my contact information with my address be updated, and it took almost 7 months to have a TD representative correct this on all systems. In XX/XX/XXXX of this year there was a fourth dispute that required a TD involvement. There was not a new card replaced, however in XX/XX/XXXX/XX/XX/XXXX a TD representative ( XXXX/XXXX/XXXX name and a woman ) contacted the merchant ( XXXX ), who confirmed a refund of XXXX was due to the account, but she was not the person to bill it correctly. I was told by TD this conference call was recorded for records. To get information from this case, I had to call the department almost 20 times over a 5 month period. As of XXXX  2017, my account balance is reported incorrectly ( by about XXXX $ USD and interest ) as well as incorrectly reporting my mailing address for over a year while have representatives claim to have 'fixed ' the error and being told to wait 10 business days, just to have to call every two weeks for several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Customer service will not provide an explanation of exorbitant ( over XXXX ) fees. I have made numerous requests for a statement of how and when my payments are posted and how the fees were calculated. This company is violating my rights as a consumer. This issue has been ongoing since I bought the vehicle in 2015. The dealer did not give me any other financing options. They rushed me through the process and led me to believe Ally was the only finance option I had. I feel that this was a violation of the TILA and will seek damages if this is n't resolved in a timely manner.

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 2017-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX I received a letter in the mail stating I owe XXXX for an apartment I never even applied for let alone stayed in! I call the apartment complex and I was told I moved into the apartment XX/XX/XXXX which is impossible bc I brought a house XXXX 2017. Into further investigation someone stole my identity and I was able to get information for the person who stole my identity they actually work for a apartment screening company and Ive only applied to one apartment since living here in Ga. I believe that is the person who stole my identity. The apartment complex who say I owe the only too said they can not release personally information since I showed them it wasnt me! They do not verify ur rental history or verify your job at the apartment complex all they ask for is id and recent check stubs!

Company response to consumer: Closed with explanation