vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
After a recipient of a money transfer being my grandmother was not able to pick up an available money transfer I was forced to seek a refund for that available Moneygram instead. The matter was that teller at the location # XXXX refused to refund my transfer fees spent and only refunded me the amount of the MoneyGram transfer. Moneygram while within the location stated that the transfer fees were of XXXX XXXX XXXX and should be refunded by XXXX XXXX XXXX. 

I am not liable for XXXX XXXX XXXX teller 's refusal to release the available transfer to the recipient. There were no error codes or other valid issues explained.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Issue : Deceptive, misrepresentation of terms of finance by CareCredit/Synchrony Banks acting agent at the time : XXXX XXXX XXXX XXXX, XXXX XXXX. 
Sub-Issue : I neither received by postal mail an explanation of credit card terms of finance nor any communication by telephone of credit card terms of finance from CareCredit/Synchrony Bank. 
Sub-Issue : CareCredit/Synchrony Bank never enrolled me directly although the transaction amount was greater than {$1000.00}. 

I am disputing the {$750.00} of interest added to principal balance. 

The problem is that upon the date of XXXX service and enrollment in CareCredit/Synchrony Bank ( XXXX ), the XXXX office claimed that the costs of the procedure could be financed by CareCredit at 0   % annual interest along with a monthly principal payment that would pay off the balance in a couple of years. I wholly relied on the XXXX office representatives oral explanation and, thereafter, monthly payments were auto-drafted from checking. However, at the end of XXXX, I looked further to discover that the promised 0 % annual interest is really 26.99 % APR, the terms are really interest-deferred for 18 months, at which time, the accumulated deferred interest of {$750.00} from month one through month 18 is applied to the remaining principal balance. 

On XXXX, I called CareCredit/Synchrony Bank requesting records. The representative emailed back a copy of the Credit Card Agreement ( see attachment : CareCreditSynchrony Terms XXXX ). Please note that the copy of the Credit Card Agreement provided is dated XX/XX/XXXX ( see page 1, top right corner, 3rd line ) which is about 20 months after the fact ( XXXX ). 

On XXXX, I paid off the entire balance of {$1600.00} ( see attachment : CareCredit scheduled payoff XXXX ). 

I wish my XXXX office would have never tried to sell me on financing my procedure in the first place. I never asked for financial assistance and would have never agreed to a deferred interest product especially since my credit score is over 720. I only took the offer because I wanted to build my credit history for when I buy a home.

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 2020-02-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: FL

Complaint narrative:
The information regarding Fedloan Servicing for the Installment Loans has the payment history incorrect. I have filed forbearance in the past to ensure that my payment history was not impacted. During the alleged late payments, I was experiencing great financial and living hardships. I was homeless for so many years and did not start to get back on my feet until the last 8 months. I had no shelter to live in and finances were tough to come by and I had already submitted a request to have this information removed from my payment history. The company did not send me anything in writing stating if this has been full removed and updated internally as well as with the 3 credit bureaus. Please get my history updated to reflect as on time 100 % payment history. I should not be penalized for not always having access to my account and for not being able to keep up with payments, when it should have been under hardship forbearances, due to my inability to make ends meet. Since I been back on my feet, I have proven and shown that I can maintain exceptional payment history. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I keep getting phone calls on my landline. I tried calling them back and it is for someone else Someone I have not ever heard of. I told them that this is the wrong phone number and I do not know anyone of who they are trying to reach. Being told I will be taken off of their list, they still call. It is usually a robocall ( machine ) telling me to contact them. Well needless to say this happens a lot and I am getting sick of it. If I was put on the list so they do not call, why do they continue. I am not one to complain. But this is enough. I have had enough of turning around and going through the same scenerio. At least 5 times already have I spoken to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Carnival Cruise Lines sent an email offering a promotion for {$200.00} on board credit for using our Barclay Card ( promotes Carnival directly ) if we book the trip before XX/XX/XXXX. It had a special code. We used that code. As of today, Carnival switched the code in their system to block us from getting the onboard credit. They then told us this was a Barclay card promotion. Barclay said they never promoted it. 
REGARDLESS, we asked SEVERAL times to file a dispute for the charge on the credit card because it was false advertising. ( If you have onboard credit and you don't use it, that amount get 's credited back to your credit card. We've used it that way several times before in the past ). So basically it puts us at a {$200.00} over payment. 
Barclay card REFUSED to allow us to file a dispute! WE were on the phone for hours speaking to several people. That person 's name was, XXXX and her ID was XXXX. Whether or not that is her real number I don't know. 
Documented phone call was today XX/XX/2020 XXXX XXXX. We had to speak to SEVERAL employees! 
SO the code we entered was XXXX. The carnival representative said the code she saw was XXXX. Then she sends us a screen shot of her computer that has a DIFFERENT code. Someone perhaps their software developer switched the code for the booking to prevent us from getting the onboard credit. It's bait and switch.

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 2020-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: N26 Inc.
State: FL

Complaint narrative:
I was denied from opening a checking account at N26 bank and was given no reason for that denial. I called why and ask and was not given a reason. Under the Fair Credit Reporting Act, banks are required to tell you why you've been denied a 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 2020-02-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
In late XX/XX/XXXX, I opened a HELOC with Pentagon Federal Credit Union ( Penfed ). The loan was to receive a promotional interest rate of 3.25 % on any balance drawn prior to XX/XX/XXXX. My loan closed on/around XX/XX/XXXX and I drew funds prior to the end of the year to take advantage of the promotional rate. 

In XX/XX/XXXX, I received my first mortgage statement for this loan and it showed the interest rate ( and associated interest charges ) at the standard ( non-promotional ) rate of 5.25 %. I called the Penfed loan servicing department and explained my concerns and they acknowledged the discrepancy as a " known issue '' impact many accounts and that they were working on a system fix. I was told that my account would be corrected and the XXXX payment would be re-calculated at the correct interest rate. 

A month later when I received my XXXX loan statement, it was still showing the incorrect interest rate and there was nothing done to retroactively fix the XXXX payment. Once again I called the servicing department and expressed my concern. As before, I was informed that a system fix was still in the works and that my account would be fixed shortly. Later that day, a customer service manager left me a voicemail confirming receipt of my call and her exact message stated that my account would be fixed and online account activity updated to show the correction no later than Friday, XX/XX/XXXX. 

On Monday, XX/XX/XXXX, I logged into my account to find that it still had no been fixed, despite the promise that was made to me a week earlier. I submitted a secure message to Penfed indicating that they had until Friday, XX/XX/XXXX to fix my account or I would be filing a formal complaint with the CFPB for deceptive customer acquisition practices by offering promotional interest rates and then failing to abide by those terms. I received absolutely no response from this company nor has anything been done to rectify my account. 

This is a complete misrepresentation on behalf of Penfed and the exact definition of bait and switch.

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 2020-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
LVNV is a collection company. They are listed on my credit reports. Under collections. I have been disputing this since 2016 of XXXX until present day. On my credit reports under comments of this account listed. Sometimes it says its open or closed. It is listed under the collections part of my reports as open. Even though the notes inside of box says closed. It also states under comments FCRA Agrees with consumer and this debt is not valid and account is closed. So I am fed up. This collection company has not only collected money from me in the past because I believed it was mine until I was able to actually look at it and so also knew nothing about credit repair. I thought if a collection company calls I have no choice but to pay it. They have called me at work in 2016 everyday in XXXX for weeks straight and I would tell em I am at work. again they would call either the next day or later that day. 

This account is hurting my credit report and holding me back from maintaining any kind of good solid report. It is also holding me back from obtaining credit I deserve. I have asked all three credit bureaus with my IDTHEFT.gov paper work over and over to remove it. And here it still is being reported. I am reporting to you all three credit bureaus for their lack of response each time to this matter. As well as LVNV FUNDING. I dont deal with creditors. Especially secondary ones from accounts I never had. I would like to be compensated for emotional duress this plays a huge part of my life. It stops me from retrieving good insurance rates as well as personal loan I will be needing. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
About 2 weeks ago I was looking for a credit card with 0 % introductory rate on balance transfers. I curently have just under a {$7000.00} balance on a card from another bank. I did some research online to find the best card for my situation which lead me to the Wells Fargo Platnium which has 0 % rate on balance transfers for 18 months. ( XX/XX/20 ) I applied online an during the application process I enter a balance transfer request of ~ {$7000.00}. I clicked through and finished the application and when I finished I was instantly approved ( with a hard inquiry ). But, the limit I was approved for was only {$1000.00}. I immediatly called to request a higer balance, obviously {$1000.00} limit will not do me much good if my only intention was transfering a {$7000.00} balance in the first place. Over the phone they told me I must wait 7-10 days for my card to arrive and be activated before I can request to have the balance incresed. ( XX/XX/20 ) Once the card arrives I speak to a rep over the phone and after 30 minutes they deny my request for a higher limit. So I immediatly cancelled the card because it was no use to me. 

In short, they advertised a 0 % rate on balance transfers with no aparent limit, during the application I gave the exact ammout I would need to transfer, they made a hard inquiry damaging my credit report, and approved me for an ammount well below what I requested.

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 2020-02-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
My credit report currently shows account # XXXX from AArgon Collection Agency for the amount of {$180.00}. I called XXXX XXXX XXXX, the original creditor, and they told me they billed the wrong way initially and just resubmitted the bill correctly. I had Veterans insurance at the time of service and I was told they are billing them but it can take some time for the VA to respond and issue payment. However payment is pending. My personal credit shouldn't be damaged because the VA takes a long time to process payment.

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 2020-02-29 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-02-29 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-02-29 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: ID Analytics, Inc.
State: GA

Complaint narrative:
SageStream is completely unresponsive to fax, online form, or US mail, and their phone number just goes to voicemail when dialing " 0 '' for help. I have tried multiple times to place a security freeze on my consumer file and have received no response and their telephone number is unusable. 

SageStream is in violation of FCRA by refusing to perform a security freeze of my SageStream consumer file and providing a PIN code by US mail. 

SageStream is in violation of FCRA for failing to provide a functioning telephone number with a live human being.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
My credit report currently shows account # XXXX from ARS Account Resolution for the amount of {$780.00}. I had Veterans insurance at the time of service. The insurance should have been billed correctly so payment can be made instead of damaging my credit. Why damage my credit when you can go directly to the insurance on file for payment? If payment is delayed my personal credit shouldn't be damaged because the VA takes a long time to process payment. Bill insurance and remove from my credit immediately!

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 2020-02-29 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: GA

Complaint narrative:
To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. This is my second request to remove unverified items in my report, but trans-union keep re-posting these account with out providing any type of original document as the FCRA provide, you need to provide me with original documents or remove these account immediately.

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 2020-02-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
My credit report currently shows account # XXXX from Phoenix Financial Serv for the amount of {$1800.00}. I had Veterans insurance at the time of service. The insurance should have been billed correctly so payment can be made instead of damaging my credit. Why damage my credit when you can go directly to the insurance on file for payment? If payment is delayed my personal credit shouldn't be damaged because the VA takes a long time to process payment. Bill insurance and remove from my credit immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: MN

Complaint narrative:
Sequium Asset Solutions company is trying to collect a debt that doesnt exist. They claim it was from XXXX XXXX, but XXXX has confirmed no debt exists and told me it was most likely a scam. I asked the company to provide written documentation so I could dispute and they stated they would not. They accused me of not paying a debt and were very hostile. Please investigate for fraud. There are numerous complaints online.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The information regarding XXXX XXXX for the Installment Loans has the payment history incorrect. I have filed forbearance in the past to ensure that my payment history was not impacted. During the alleged late payments, I was experiencing great financial and living hardships. I was homeless for so many years and did not start to get back on my feet until the last 8 months. I had no shelter to live in and finances were tough to come by and I had already submitted a request to have this information removed from my payment history. The company did not send me anything in writing stating if this has been full removed and updated internally as well as with the 3 credit bureaus. Please get my history updated to reflect as on time 100 % payment history. I should not be penalized for not always having access to my account and for not being able to keep up with payments, when it should have been under hardship forbearances, due to my inability to make ends meet. Since I been back on my feet, I have proven and shown that I can maintain exceptional payment history. Thank you.

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