vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
the complaint was about my Paypal online credit card account sent to collections, the type of an issue that I'm having with the company paypal is unsolved and unsatisfied its an issue with my paypal account so what happened the paypal credit dispute or fraud team associates use there authority to recharge my  account after they have giving me a XXXX credit, they and charged back XXXX plus a recharge fee of XXXX which totals up to XXXX now they assume that there expecting me to pay all in full and if not paid within 21 days they will close my other credit card accounts that are in good standing I never had an issue with them paying my account I have always been on time never been late paying my monthly payments.so just to let you know that the paypal fraud department team and collection department is all involved in wanting a full pay of XXXX when the charge was maid online through paypal. this is unfair and should be handled in a fair manner with out prejudices and have this department contacted and directed to do the fair and righteous thing to solve this problem in a fair manner. thank you 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 2019-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
They keep changing the payment Amount every month on me one time its {$27.00} next time its {$45.00} then its {$55.00} Now theyre trying to tell me to pay {$79.00} theyre charging me a {$38.00} late fee every month I have every month on the 3 of the month told them. Charge me {$95.00} in interest fees  this account is closed my balance two months ago was {$580.00} now theyre saying balance due was {$630.00} last month XX/XX/2019 XX/XX/2019 bill theyre saying I owe {$730.00} this is gotten out of hand and it is ridiculous I have called and complained this company multiple times and they havent done nothing but racked me up more charges on a card that I closed. I want my payments cut back down to when they were only {$27.00} a month I want credit on my bill I only owed {$580.00} in XX/XX/2019 at this rate Ill never get this paid off because they keep racking up charges I will pay {$30.00} a month I get paid on the XXXX they will receive there money no later than the seventh I want to bill change to the XXXX of every month

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 2019-12-07 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: IL

Complaint narrative:
There is a collection account reporting on trans union that I have provided information for showing I do not owe for this account. The items previously purchased were returned and I received an email from customer service of the company that I would not be turned over to collections. I have asked for Tansu ion to remove this collections account and provided proof with the email from the original creditor however the collection account has not been 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 2019-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pro Com Services of Illinois, Inc.
State: IL

Complaint narrative:
I have tried to get pro com services to delete an account off of my XXXX XXXX and XXXX  credit reports the amount is {$360.00} for power company. There own representative pro com services said the social security numbers do not match mine nor does the address where I lived. They pro com services have never sent me proof showing the bill is mine and have refused to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ERC
State: NJ

Complaint narrative:
This account is my ex husband I don't know anything about this! I am truly upset threating my ssi and I am scared I don't want jail!!!!! Please can u help me this is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCorporation Thats the link to their business. They are closed down and have done this to many others. This is not a debt I am aware of and every month it increases by {$1.00} or {$27.00} its very random. I try to dispute but nothing ever happens.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Someone stole my wallet and used my PayPal card fraudulently. My paycheck is direct deposited to that account and when I went to check the balance that morning it was almost empty. I called PayPal and reported my card stolen and disputed the charges and I clearly want the one who made the withdrawal because I was asleep when it happened, PayPal denied my claim and said the charges was accurately made

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
A little over a month ago I started a refinance with New Rez Mortgage. My loan officer was XXXX XXXX. I have been waiting for this loan to close for now over a month. I was assigned a processor by the name of XXXX XXXX who was supposed to take care of the final collection of docs etc. I attempted to email XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX requesting some kind of ETA when the loan was going to close. XXXX would email me back telling me he was checking on everything and would get back to me. XXXX on the other emailed me specifically on XX/XX/XXXX, told me she would give me a status on my closure before she left for the day, and didn't respond back to me. Come to find out - she no longer works for the company. I have now been reassigned to a processor by the name of XXXX. I didn't this information out until AFTER I bugged XXXX yet again to find out what is going on. Now - I have emailed and called XXXX on XX/XX/XXXX and XX/XX/XXXXwith no response on a status to my loan. I have now left a message for XXXX 's supervisor XXXX DEMANDING when is my loan closing. I am anticipating $ 20,800+ back from this refi which I need to do repairs on my home. Plus, I have paid them {$500.00} for an appraisal. Where has that money gone? Where is my money? This is the third time I have refinanced and not once have I seen a refinance take this long to close.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My credit score from Experian consistently ( for years ) VERY different from the other 2 agencies : XXXX  and XXXX.

For example right now my credit score are XXXX at both : XXXX  and XXXX. and only XXXX at Experian ... .. 

I have contacted Experian by phone many times about it ( because there is absolutely no way to do it on their website ) with no results. 
They are just ignoring me every times I call. 

Experian representative always are not willing to discuss anything when I am saying why my score are XXXX! points lower with you? They are saying : " everything is correct on our side ''. 
How it can be such a huge difference for years?! 

Please help because it seems like Experian thinks they are above the law and don't need to explain or fix anything to a regular consumer but ... we are country of Law! 
Please help me. 
Thank you very much. Respectfully 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 2019-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
On XX/XX/19 I called XXXX XXXX c/s to have my cable tv & internet disconnected because I arranged for XXXX XXXX & internet to be installed XX/XX/19 The c/s rep told me my last day of service ( also last day of billing cycle ) would be XX/XX/19 I made sure that my balance was up to date and nothing would be owed. She said as long as my equipment was returned there would be XXXX balance. She arranged for an ups box to be delivered to me with self-addressed prepaid shipping labels ( tracking # XXXX ) Delivery has been verified. I was very careful to make sure I had XXXX balance, and that the equipment was sent and received. A month later I received a letter saying I owed over {$1100.00} for a months service, and un-returned equipment. I called XXXX c/s spoke to spent well over an hour on the phone with her, and finally she was able to verify tracking/return of the equipment, and showed my turn off date was XX/XX/19 ( conf # XXXX ) On XX/XX/19 another letter arrived saying I owed {$230.00} I called XXXX c/s spoke to XXXX in Kentucky call ctr conf # XXXX spent approximately 1.5 hr. on the phone with her. Finally she was able to verify everything and said there was one thing that had to be approved by a supervisor but she assured me settled. On XX/XX/19 I received another letter now stating I owe {$700.00} I called XXXX c/s spoke to XXXX @ Virginia call ctr. case ID : XXXX spoke to her well over an hour and she verified everything XXXX from Kentucky confirmed but she said the supervisor had to approve the {$230.00} I told her that was not acceptable I did not owe anything and did everything by the book. She said since you are stuck in the system it keeps showing you owing, you might as well pay it to keep it from hitting your credit. I told her I have an 800+ credit score and will fight this with whatever tools I can find. She said she would do everything she could to see it through, and to keep any eye out for a resolution letter. On XX/XX/19 I received a letter from credit control corporation ph # XXXX acct # XXXX saying I owe {$230.00} their customer service # XXXX My wife and I are exhausted from this matter. I have felt helpless dealing with frontier, is seems they can just throw all kinds of # s at me until I relent and pay. I have spent a lot of time of this and can not give up now. 
Thank you for your help, XXXX, and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have been a Citi Prestige Cardmember for several years and have always paid my bill on-time and paid my annual fee dues ( currently the annual fee for this card is {$550.00} XXXX. As part of this hefty annual fee, I expect to receive the full value of benefits and rewards associated with the card. 

After speaking with a friend who also has a Citi Prestige Card, I found out he received a XXXX XXXX XXXX gift offer from Citi ( with a value of about {$400.00} based on the items he was able to choose from the gift ). After hearing about this, I wanted to see if I was also eligible to receive this gift. I proceeded to reach out to Citi Customer Service via its chat functionality on the Citi website on XX/XX/2019 ( screenshot provided ). I explained that my friend had received this gift and I was curious if I would also be receiving this same gift. The chat representative said " Yes, you will be receiving a mail as well '' and proceeded to provide a XXXX XXXX XXXX email to follow up with them directly. 

After waiting weeks and weeks, I did not receive anything and followed up once again. I lodged a formal complaint with Citi that was routed to the Citi Executive Response Unit ( XXXX - Attn : XXXX, XXXX ). XXXX did not assist in resolving this matter and claimed the chat representative had simply provided inaccurate information. I said that Citi should stand by what the chat representative said and XXXX claimed they would be retraining the rep so I should rest assured. This is extremely frustrating to me because I was effectively lied to and presented inaccurate information. Citi does not want to take accountability for the actions of their own representatives who act on behalf of the company when they provide this inaccurate information. Citi should provide me with the stated XXXX XXXX XXXX gift that I was told I would be receiving.

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 2019-12-07 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: WI

Complaint narrative:
I received the attached document from XXXX XXXX XXXX today XX/XX/XXXX. They claim my late payment occurred in XX/XX/XXXX. Their records clearly show the actual late payment occurred in XXXX of XXXX. I would like my credit to be updated with accurate information and change the late payment from XXXX of XXXX to the correct date of XX/XX/XXXX. It is not right to damage my credit now for a late payment 17 months ago. I have been working to rebuild my credit in the last year and this was an undeserved hit on my credit!!!! Please suggest the company correct this inaccurate entry. 
Please provide me with information regarding the next step to take if they are unwilling to cooperate. Would it be to involve an attorney? 

Thank you, 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 2019-12-07 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: WI

Complaint narrative:
I received the attached document from XXXX XXXX XXXX today XX/XX/XXXX. They claim my late payment occurred in XX/XX/XXXX. Their records clearly show the actual late payment occurred in XX/XX/XXXX. I would like my credit to be updated with accurate information and change the late payment from XX/XX/XXXX to the correct date of XX/XX/XXXX. It is not right to damage my credit now for a late payment 17 months ago. I have been working to rebuild my credit in the last year and this was an undeserved hit on my credit!!!! Please suggest the company correct this inaccurate entry. 
Please provide me with information regarding the next step to take if they are unwilling to cooperate. Would it be to involve an attorney? 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: WI

Complaint narrative:
I received the attached document from XXXX XXXX XXXX today XX/XX/XXXX. They claim my late payment occurred in XX/XX/XXXX. Their records clearly show the actual late payment occurred in XX/XX/XXXX. I would like my credit to be updated with accurate information and change the late payment from XX/XX/XXXX to the correct date of XX/XX/XXXX. It is not right to damage my credit now for a late payment 17 months ago. I have been working to rebuild my credit in the last year and this was an undeserved hit on my credit!!!! Please suggest the company correct this inaccurate entry. 
Please provide me with information regarding the next step to take if they are unwilling to cooperate. Would it be to involve an attorney? 

Thank you, 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 2019-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
Today I was checking my credit score and it showed a drop of 30 point on XXXX and upon checking I found some collection agency named AFNI opened a collection account on behalf of XXXX amounting to {$120.00}. I dont owe any amount to XXXX nor to this collection Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I called about not being able to view statements online to see why my bill doubled. I was told it was because my 18 month promotion on {$1900.00} has expired and they charged me {$800.00} for back interest even though I have been paying {$100.00} a month interest free so that promotion should have been almost paid off and {$800.00} is way too much interest on that amount. They called it total interest but it isn't interest if they didn't loan me the entire amount for 18 months. That should be called a penalty and is extremely misleading. 
Customer service lied and hung up on me the first time I called. Then the second guy put me on hold for a supervisor for over an hour and came back claiming to be someone else. He had a very unique voice, pattern of speaking and way of interrupting me. They said there are no supervisors and no way to file complaints. They said they can't help me with statements either so I am in the dark. I asked to take the survey at the end and got hung up on again. They are 100 % free to charge me whatever they want, illegal or not, and not be responsible to inform me what so ever.

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 2019-12-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I turned in my lease to XXXX XXXX in XXXX OH. Vehicle was under milage and in excellent condition. I purchase another vehicle from this dealer. I received a letter from GM financial stating they received the vehicle from XXXX XXXX. I never had any other billing statements from GM financial. 
On XX/XX/XXXX i received a notification from XXXX XXXX regarding a change to my credit. GM financial had put a late payment on the credit report. On XX/XX/XXXX I called GM financial and was told i had an outstanding termination bill for a Disposition Fee. I explained to XXXX Badge Number XXXX that there was a billing error and never received any notifications. I asked for her to remedy the situation by removing the mark. She declined. I still immediately paid the balance in full and felt very betrayed by General Motors whom I've purchase 8 brand new vehicles from.

I was told GM financial mails only 1 statement for end of lease. Even after the original due date GM financial made no attempts to contact me. After the lease i periodically checked the online payment portal and my balance was always XXXX Paid in full. XXXX told me end of lease charges are not linked to there own online payment site. 
This charge was not a reoccurring installment loan. Being a 1 time bill GM financial did not act in good faith to collect. I don't believe 1 statement for a non installment load is correct under the Fair Credit Billing Act. GM Financial has since marked the account as closed to credit bureaus but has insisted the late payment stands. On my credit report prior to GM Financial i had 100 %, 248 month consecutive payment history. I am seeking removal of late payment do to " Billing Error ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: OR

Complaint narrative:
This is my SECOND Complaint regarding the same issue with my Discover Card Bank Transfer/CFPB Complaint Case Number : XXXX ; based upon my complete dissatisfaction with the letter I received from XXXX XXXX, Executive Office of Customer Advocacy at Discover ; as well as with the paltry {$50.00} Monetary Relief Amount.

Company response to consumer: Closed with explanation