vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-05 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: GA

Complaint narrative:
On XX/XX/18 I received an email stating that my old credit card had been declined. SEE BELOW FOR A PARTIAL OF THE EMAIL : Dear XXXX, We noticed your recent purchase with your old Walmart Mastercard was declined and we apologize for any inconvenience. Your purchase was declined because that Walmart Mastercard was  deactivated on XX/XX/2018. 
We sent you a new Walmart Mastercard in the mail recently. Simply activate your new card today to start shopping and avoid any more disruptions. 


When I called to tell them I had destroyed the old card so it was not possible for me to have had a purchase declined nor do I ever use my new credit card, they admitted the email sent didn't mean I had actually used my old card. They further explained that it was sent to encourage new activity on my new card. So basically they had just lied about my old card being used to encourage me to use the new one. I feel this was extremely deceptive and caused me to fear that my information had been compromised when it fact it was just a lie for them to scare me into using my card.

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 2018-12-05 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:
XXXX XXXX XXXX Payment Status : Paid Balance : {$990.00} Account # : XXXX Date Open : XX/XX/XXXX Last Updated : XX/XX/XXXX BALANCE IS INCORRECT

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 2018-12-05 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: WI

Complaint narrative:
XXXX XXXX XXXX  XXXX Payment Status : Paid Balance : {$0.00} Account # : XXXX Date Open : XX/XX/XXXX Last Updated : XX/XX/XXXX This account was to be removed from my report and to date it has not been completed. I can no longer request Experian investigate the issue as they will not reinvestigate.

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 2018-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX approximately XXXX I spoke with XXXX XXXX and XXXX XXXX ( Who stated that she was the Transunion 's supervisor of the fraud division ). I advised both that I had several inquiries on my credit file that I did not authorize. XXXX stated that transunion does not control what is reported on the credit file and that all inquiries are facts and the creditor has permissible purpose. I advised her that the creditors do not have my written authorization and I wanted a dispute of inquiries filed in order to get the inquiries deleted.The creditors in question are not required to provide transunion the authorization records is what I was told. They are committing an illegal act and violating my FCRA rights by refusing to investigate and remove inaccurate information. I provided the credit bureau with the police report information and item numbers back in XXXX of XXXX stating that I was a victim of Identity Fraud twice. 1 of the police report item numbers mentioned is XXXX. The inquiries in reference are : XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX & XXXX XXXX XXXX XXXX - XXXX XXXX XXXX/XXXX  - XXXX XXXX XXXX/XXXX - XXXX XXXX XXXX/XXXX - XXXX XXXX XXXX  XXXX - 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 2018-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express abruptly locked all my accounts without notice. Leading to a major stall with my business. This has caused major inconvenience to the business and altered daily workflow. American Express notified me that they required personal tax documentations. All charges on my cards were legitimate purchases made personally on my charge and business transactions on my business cards. I did not violate any terms or conditions and deem this process unnecessary. I have been a loyal customer since 2016. I recently paid {$95.00} annual fees on 2 separate accounts and have a {$450.00} annual fee posting this month. I paid for annual fees and do not have the ability to use my accounts. Every statement was always paid in full and on time every month. American Express is penalizing a loyal customer for no reason provided. They mentioned an increase in Spend but I have spent more than my current balances in the past and paid in full with statement closing. With holiday season they should not be penalizing for an increase in Spend. American Express has also already requested personal bank statements earlier this year because a college tuition bill was charged on my card. I do not believe American Express has the authority to lock and keep requesting documents from me, especially after just paying for annual fees to use their cards. No terms or conditions where never breached. Most of the business charges came from XXXX, XXXX XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ponca Finance Co. Inc
State: MO

Complaint narrative:
Yes Finance and Sure Finance of XXXX MO are still contacting me after I dropped off signed cease and desist letters. They are still calling my family and friends as well. They tell me I have to pay {$800.00} each or they are going to sue me. I live on social security. I was trying to pay what I could afford and now I am down to either paying them or eating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
This morning, I filed a follow-up complaint ( XXXX-XXXX  ) because the response to my initial complaint was a voicemail with return telephone information that did not work. I received a response to this with the exact same information - an 800 number and access code that took me to a call center where no one was able to connect me to XXXX 's extension. I tried three times without success and only increasing frustration. on the last attempt, I spoke to a woman named XXXX, who refused to even try to connect me to XXXX 's extension before I provided " verification '' but when I persisted, she finally looked up the extension number and informed me that it " was not working. '' I am not going to return any further phone calls from Capital One. This is beyond aggravating and a completely unacceptable way to treat customers who have already been on the receiving end of unfair and deceptive practices. A company of this size should be able to manage a process for returning phone calls. If Capital One wishes to respond to this THIRD complaint, use my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have provided XXXX, Transunion and XXXX standardized affidavits and provided notarized identification, in compliance to the Fair Credit Reporting act 610 ( a ) ( i ) and FCRA 609 ( a ) ( 1 ) ( A ) informing these companies of an inaccurate bankruptcy and debts discharged reporting on the credit file maintained under my social security number.

Lexis Nexis was also reporting this inaccurate information but deleted it as a result. Therefore, because I am a victim of identity, I have filed an attached my FTC report under the FCRA 609 ( d ) ( 1 ) in reference to this reporting. Section 1681 e ( b ) requires these organizations to verify my identity with the original furnisher, and they have not because I have written and contacted the courthouse listed on the report and they responded back on company 's letter head that it was not the provider of this information and since XX/XX/2005, do not keep full social security number because of this very cause FCRA section 1681 ( a ) ( 5 ).

This is affecting my ability to get credit and my livelihood, according to my state attorney, Mr . XXXX, ( Mississippi ) this a violation of my privacy laws of the FCRA and identity. XXXX XXXX XXXX v. XXXX  XXXX XXXX court case shows the judge ruled that the court can not just rely on computer generated documentation. Therefore XXXX XXXX verification or 3rd party is noncompliance and unverifiable, so I requested in legal documentation affidavit to provide me the name, address, and telephone number of anyone from the original source, furnisher, that was contacted under the FCRA 609 ( a ) ( 2 ) and all 3 companies have failed.

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 2018-12-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: CA

Complaint narrative:
Hi okay so I purchased some stereo speakers from a stereo store in XXXX XXXX and well was told that I was approved for XXXX $ in credit I thought I was getting credit from them but instead I actually received credit from a bank called AMERICAN FIRST FINANCE and well they had told that my credit had nothing to do with it they just needed a pay stub and that there was automatic payments taken out every time I get paid and I was never really shown a contract or anything I just remember signing a electronic signature on there computer but it was just to verify my info no contract whatsoever so now Ive paid over 1k dollars and I called the finance place to check my balance and they tell me that my balance is over 1.4k Dollars and as they told me they were saying that I had 3 months to pay it off and or else I would be charged XXXX $ per day and Im XXXX yrs old and I help pay my family bills and Im just working part time job and Im paying literally XXXX $ a month just instetest for some XXXX $ speakers so my point is that the store never mentioned any of this if they would have I would have paid it off by 3 months or never got the loan this is a scam there signs dont say anything of having to pay all this money and well I wasnt explained the contract so can u please help me resolve this and the company American first finance very rude they dont understand my financial situation not like any other bank they would do anything to take money out of my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
There are two issues in my account that I tried to address with Capital One but I was not able to due to being transferred to multiple departments in their call center. 

The first issue is that I requested a credit balance refund check for credit of XXXX on the account and I was told they are not able to send it because their is a restriction on the account, I mistakenly over paid on the Capital One bill and wanted to get a refund for my funds. 

The second issue is regarding a dispute ; XX/XX/XXXX - XXXX XXXX XXXX  TUITION - T Other ... - XXXX - {$11000.00} After I made the dispute and before the dispute was processed. The merchant issued a credit on XX/XX/XXXX XXXX XXXX XXXX  TUITION - T Other ... XXXX - {$8600.00}. So I called to cancel the dispute with Capital One but Capital One still credited my account XX/XX/XXXX PURCHASE ADJUSTMENT Other XXXX XXXX. ... XXXX {$11000.00} for this charge I asked to be canceled. On XX/XX/XXXX ADJ-XXXX XXXX XXXX TUITION - T Other XXXX XXXX. ... XXXX - {$8600.00}, Capital One made this adjustment to the account, they also sent me a letter stating that they canceled the dispute because the merchant issued credit. 
However the issue right now is that the merchant XXXX XXXX XXXX is telling me Capital One took {$11000.00} back although Capital One stated they canceled the dispute. The merchant asked me to get a letter from Capital One confirming that they canceled the dispute. That is what I am requesting at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: MN

Complaint narrative:
I received an email offer from US Bank that if a checking account was opened before XX/XX/2018 I would receive {$200.00}. I did all the required direct deposits and they are not honoring the offer. They're claiming the offer code was not entered. I opened the account from the email and there was not an area to enter an offer code. This is deceptive and dishonest of them. I still have the email.

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 2018-12-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is refusing to remove 2 incorrect/fraudulent previous addresses from my credit report. I first informed them of these bad addresses in XX/XX/2018 and after about a dozen calls since then, they claim to have removed the bad addresses 3 times. However subsequent credit reports from Equifax still contain the fraudulent addresses. After all this, Equifax then claimed that they could not tell me which credit company was continuing to report the bad addresses and that I needed to call each one to determine who was reporting it and to correct it. I called all of the credit agencies on my report and all say that they are not reporting the fraudulent addresses. I called Equifax yet again today XX/XX/18 and they said that there is nothing that they can do. So despite their clear admission that they are reporting fraudulent information for me, EQUIFAX SAYS THAT THEY WILL CONTINUE TO REPORT INFORMATION THAT THEY KNOW IS FRAUDULENT. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I reported a credit item that i can't identify on my credit report XX/XX/2018 which is a violation of the FCRA 30 days law with Trans Union in regards to file number XXXX reported by a collection agency in the name of XXXX and have not got a response as of today XX/XX/2018 i request a contact of this item or for it to be removed. 

Thank you, for your prompt response.

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 2018-12-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/2018 I used points to redeem a credit on my Capital One credit card to get ahead of my balance. Once I did this Capital One took me off auto pay without notification or authorization. This caused me to miss my XXXX and XXXX payments before I discovered it. The payments were immediately rectified from my end, but Capital One refused to correct the status of my account. This has led to a drop in my credit score over 80 points in the last 2 weeks. I have submitted disputes with Capital One, XXXX, XXXX and a complaint to the XXXX. Capital One has reached out twice since I submitted the XXXX  complaint but my case worker is not available when I call back. Messages have been left and I tried talking to other employees who told me they would notify her I called her back. Capital One needs to be held responsible for their unethical actions. They have thrown my current job search into chaos and I am having to explain their unethical business practices to everyone I am interviewing with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a settlement letter from Citi Bank, N.A. Home Depot Company stating that I'm eligible to settle the debt in full for {$4.00}, XXXX by the due date of XX/XX/2018. I called to clarify the content of the settlement letter, and The Home depot agent certified me that once the payment is received the debt will be written off ; in other words, I will be debt free, that was on XX/XX/2018. I agreed to pay the settlement offer which is {$4400.00} on XX/XX/2018. The agent took all of my bank information in order to withdraw the sum as of XX/XX/2018. I did NOT have that money in my account, but I anticipate to borrow it and pay it as the letter stated " it is a great opportunity. '' Now I just receive a bill statement from Citi bank-Home Depot stating that i have a balance due of {$6700.00}. 
Prior to the settlement I paid over {$2500.00} out of that {$10000.00} credit card debt from Home depot. Citi Bank, N.A. wiped out that {$2500.00} and stated that I owed over {$10000.00}, which is now {$11000.00}. When I called to find out what happened to my {$2500.00} that I already paid. Citi bank/home depot said it went to interest. citi bank/ Home depot is deceiving the Public ; Citi bank does NOT follow what is written on the contract. Citi bank/home depot is practicing balloons loans in a differnt way. what is written on the contract is NOT respected.

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 2018-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
On XX/XX/18, I visited XXXX in order to request my annual free report from one of the three bureaus ( Experian ). Although I have given the exact same information before and received my credit report online from the other credit bureaus, this is the second time in one year that I have been refused my online report from Experian, with a perfunctory notice to request a hard copy. This matches reports from others that Experian is not readily allowing consumers to access their credit reports with the bureau electronically, instead having to mail or call to request a hard copy of their report. This is a barrier to access that is patently absurd for a company that maintains its existence by aggregating the personal information of consumers and profiting from that info, with zero benefit to the consumers themselves.

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