vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-14 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: CITIBANK, N.A.
State: MN

Complaint narrative:
On XX/XX/XXXX, I purchased a vacation package with XXXX XXXX. The package was for airline and hotel in California. We arranged for our own entertainment. We purchased tickets for XXXX XXXX, rent a car for the 5 days, purchased tickets to the California XXXX XXXX, XXXX XXXX, etc.. total {$2500.00} spent. In addition to the over {$3200.00}, we paid for the package. 
When we arrived to the airport, XXXX told us that they were operating on a reduced schedule due to a personel issue ( mechanic was on strike ). They say the next option was to fly on Monday evening. This was Saturday XXXX XXXX We told them that it was unacceptable and we couldn't afford to miss our trip ( the kids were.looking forward to this trip for long time. They are XXXX, XXXX and XXXX ). We asked if they could put us on another airline. They said they don't work with other airlines. We asked for them to refund us our money so that we can go fine another airline. They say the refund will be processed within 45 days. We went ahead and ourchased ticket on XXXX and travelled the same day ( a little after XXXX XXXX  ). 
When we came back I disputed part of the charges related to the airfaires adn asked for a refund trying to avoid double charges on my bill ( we try to pay off the balance every month to avoid the high interests ). When I submitted the claim for {$2100.00} ( exact amount we paid for the tickets with XXXX, they denied it and refunded XXXX {$1200.00} ). Since then I have been trying to have City Bank handle this complain but they refused. 
Please help.

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 2019-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
several phones calls, threatening letter and messages on my phones about an old debt that was settled several years ago. The original creditor change the card provider prior to the change all balances was paid in full but the collection agency refuses to stop harassing me.This matter was disputed with the credit agencies but the collection agency keep submitting in correct info to justify their claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Opened my checking account at Huntington bank with a {$200.00} incentive bonus on XX/XX/19. Requirements are deposit XXXX within 30 days set up direct deposit and keep the account open for 90 days. All the above requirements have been met. Called on XX/XX/19 and the representative told me the money will be deposited in a day. Still no {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
so I have been fighting this with pay pal credit for a year and half I have proof from XXXX there was tampering with this computer and my warranty was voided and I had to pay XXXX to get my computer fixed. I have the proof from XXXX and no one is listening or take s my complaint seriously Synchonary took over I sent arbatration papers on XX/XX/XXXX to pay pal credit certified mail its been over 30 days and they never repsonded to my legal papers then I get a letter from XXXX XXXX saying after careful consideration we are still denying your claim I have the proof from XXXX and they refuse to do anything I have called XXXX XXXX several times over the last month and left voice mails she refused to get back to me at all then she send me a letter on the XXXX of XXXX saying here is my number call if you have or questions or if you wan na send this to Arbatraiton I have left several messages with her that she never returns why does she say call her when she dosent return a message 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 2019-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I was contacted over 12 times by this company repeatedly and I asked them to cease and desist communication, they contacted me from different phone numbers and left threatening voice messages that they would send information to the Credit Bureau that would effect my credit if I didn't pay or contact them at a certain time.

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 2019-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am being harassed for {$740.00} that was paid to the original creditor but this company keep harassing me. They are using different names same address but different suit numbers.MIDLAND CREDIT MANAGEMENT, INC AND MIDLAND FUNDING LLC SAME COMPANY OF CROOKS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
An unauthorized transaction has been made on my PayPal account through my money paycard it just happened on the XX/XX/XXXX and it shows about XXXX $ and change were paid to a woman named XXXX XXXX, I do not know her and I do not use PayPal for anything. I have screenshots of the transaction and I really need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
SEVERAL CREDIT CARD AND REVOLVING ACCOUNT DOES NOT SHOW ON MY REPORT THROUGH THIS AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I paid the original amount off with debtor XXXX XXXX. I also turn in the equipment. I find out the person in the apartment next door. Was using my info I report him. It was a fraudulent account. XXXX says my account is zero paid off and delete. But The collector is abusing me saying I owed {$200.00}. Calling me and writing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have two ( 2 ) credit card accounts with CapitalOne.com, suddenly the last several months I noticed a closed account I once had with XXXX XXXX began to show up as a payment option on both accounts. The account with XXXX XXXX was closed in 2006. I became livid and wanted to know how CapitalOne got this account number, and who gave them permission to use a closed account as a payment option? I wrote to them and they asked me to call them because they didn't understand what I wrote. I became angry again, but I called. I explained why I was angry and was told my accounts were investigated and no such number or numbers for XXXX XXXX appeared and no such information was ever shown as a payment option on either account. I knew it was a lie and told the CS rep what I thought. I hung up and waited a month and this time rather than call I printed the information directly from the accounts with hopes you could help me get to the bottom of this deceitful act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
WHERE THAT WELLS FARGO IS OUTRIGHT DISCRIMINATING AGAINST ME AS A CREDIT APPLICANT FOR MY NATIONAL ORIGIN, MY LAST NAME IMPLIES XXXX DECENT, XXXX AS A FEMALE, AND AGE, AS I AM XXXX YEARS OLD, IN REPORTING A VIOLATION OF MY RIGHTS UNDER THE CONSUMER CREDIT PROTECTION ACT AGAINST WELLS FARGO AS THEIR BASIS. 

ON XX/XX/XXXX, I APPLIED FOR A WELLS FARGO VISA CREDIT CARD. WELLS FARGO ACKNOWLEDGED MY APPLICATION AND DENIED MY APPLICATION BY MAKING FALSE STATEMENTS WHICH VIOLATES MY GOOD FAITH OF MY RIGHTS UNDER THE CONSUMER CREDIT PROTECTION ACT. 

A ) WELLS FARGO REPORTED FALSE STATEMENTS THAT I HAVE TOO MANY RECENTLY OPENED ACCOUNTS, WHERE I ONLY HAVE A : 1 ) HOME MORTGAGE ACCOUNT WITH XXXX XXXX  THAT IS SERVICED BY XXXX XXXX XXXX, UNDER MORTGAGE LOAN ACCOUNT ENDING WITH # XXXX, SINCE XXXX. TWO INQUIRIES FOR HOME MORTGAGE. 

2 ) XXXX XXXX CARD WITH XXXX XXXX XXXX  CREDIT CARD ACCOUNT ENDING IN # XXXX, SINCE XXXX. 

3 ) XXXX XXXX CARD WITH XXXX XXXX BANK CREDIT CARD ACCOUNT ENDING IN # XXXX, SINCE XXXX. 

B ) WELLS FARGO REPORTED FALSE STATEMENTS THAT I HAVE NO BANK CARD HISTORY. WHERE THEY LOOK FOR HISTORY THAT SHOWS HOW I MANAGED CREDIT OVER TIME. 

1 ) I HAVE XXXX BANK CARDS HISTORY WITH XXXX XXXXS XXXX CREDIT CARDS. XXXX XXXX CARD WITH XXXX XXXX XXXX CREDIT CARD ACCOUNT ENDING IN # XXXX, SINCE XXXX BALANCE ZERO AND XXXX XXXX CARD WITH XXXX XXXX XXXX  CREDIT CARD ACCOUNT ENDING IN # XXXX, SINCE XXXX, BALANCE XXXX. 

C ) WELLS FARGO REPORTED FALSE STATEMENTS THAT I DO NOT HAVE ENOUGH ACCOUNTS PAID AS AGREED ON MY CREDIT FILE AS THEY LOOK FOR A HISTORY OF ON-TIME PAYMENTS. I HAVE XXXX XXXX CARD WITH XXXX XXXX BANK CREDIT CARD ACCOUNT ENDING IN # XXXX, SINCE XXXX, AND XXXX XXXX CARD WITH XXXX XXXX BANK CREDIT CARD ACCOUNT ENDING IN # XXXX, SINCE XXXX FOR HISTORY ACCOUNTS PAID AS AGREED. 

D ) WELLS FARGO REPORTED MISLEADING STATEMENT AS AN ACCOUNT WAS OPENED TOO RECENTLY AS THEY LOOK HOW MUCH XXXX XXXXXXXX IS TAKING ON. 

1 ) HOME MORTGAGE ACCOUNT WITH XXXX XXXX THAT IS SERVICED BY XXXX XXXX   XXXX, UNDER MORTGAGE LOAN ACCOUNT ENDING WITH # XXXX, SINCE XXXX. 

E ) WELLS FARGO REPORTED ONLY ONE TRUE STATEMENT THAT I HAVE A CREDIT SCORE OF XXXX ON XX/XX/XXXX. 

1 ) A CREDIT SCORE OF XXXX IS ONLY ACHIEVED WHEN A CONSUMER WHERE THEIR CREDIT HISTORY OF PAID AS AGREED ACCOUNTS, MORTGAGE ACCOUNTS, LOW BALANCES, LENGTH OF CREDIT HISTORY, ETC. 

IN CONCLUSION, IS WHERE THAT WELLS FARGO IS OUTRIGHT DISCRIMINATING AGAINST ME AS A CREDIT APPLICANT FOR MY NATIONAL ORIGIN, MY LAST NAME IMPLIES ITALIAN DECENT, XXXX AS A FEMALE, AND AGE, AS I AM XXXX YEARS OLD, IN REPORTING A VIOLATION OF MY RIGHTS UNDER THE CONSUMER CREDIT PROTECTION ACT AGAINST WELLS FARGO AS THEIR BASIS

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 2019-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: FL

Complaint narrative:
On my current statement, with closing date XXXX/XXXX/2019, I have a mysterious fee called " MINIMUM INTEREST CHARGE FEE '' of {$0.00}. The company can not provide an explanation of what this fee is for. The account is frozen and not being used at all, and the balance on the account is on an interest-free promotion until XXXX/XXXX/2019. There should be no interest or fees at all until that date. The company appears to be extremely disorganized, the secure messaging system on their website is almost unusable, it is erratic and returns errors upon an attempt to send a message, at other times staff answer messages but are untrained, incompetent and have no idea what they are writing about. I have another complaint filed previously about a similar but different issue ( direct interest ), I received one e-mail from the company 's corporate office promising an investigation but this has not happened and they do not answer communications either. A start-to-finish disaster.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-14 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: PA

Complaint narrative:
I don't recognize the following account XXXX XXXX   Last reported XX/XX/2017. Please investigate the following account to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diaz & Associates, Inc.
State: FL

Complaint narrative:
DIAZ AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Has placed a collection debt on my credit reports in XX/XX/2019 without first notifying me. I was aware of the debt and it being on my credit reports. The collection agency is also attempting to collect a debt which has expired under the 5 year Florida statue of limitation Laws. It has failed to provide debt verification and its authority right to collect debt. 

Collection agency has failed to adhere to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
On the month of XXXX, I applied for Income Driven Based Repayment Loan. They received the status however, they said I am on the standard loan program for now. The only way I could get back on income driven loan repayment is By paying the full amount which XXXX dollars. I paid that amount on XX/XX/2019. Now, someone changed the dates of the application that I applied for income driven based loan repayment. I called Three times regarding if I am going to be on income driven based and I needed to see letter if I am on it.. til this  day..nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC
State: VA

Complaint narrative:
I took out a personal loan for {$24000.00} with lending point in XX/XX/XXXX. Since then Ive made over {$7200.00} in payments however, my balance remaining is over {$22000.00}. To date, my amortization schedule has been unavailable to me online. In addition, I was never sent a hard copy by mail or electronic copy by email. Online it states it is coming soon for the past year so I called on XX/XX/XXXX and requested to speak to a manager. I informed her of my concerns and asked for my amortization schedule and was told one had to be put together and it would take some time. The manager then stated it would be best if I contact XXXX XXXX, my account manager, by email to request this info. Im not understanding why any manager cant assist me with my schedule or why my amortization schedule doesnt exist already when my loan has been in place for a year now. I also want to make a large one time payment to cut my balance remaining in half but, am afraid that my payment will not go towards principal. When I asked the manager on XX/XX/XXXX what the practice is I was informed that any additional payments would indeed be applied to principal. I asked her to send me this in writing to my email and was informed that she wouldnt be able to send me anything in writing stating this until my amortization schedule is ready. I asked when that would be and was told hopefully in 24-48 hours. Its been three days since my call and Ive received nothing.

Before I make any payments to my account I would like my amortization schedule. It doesnt seem right that one doesnt exist already and the company is not being transparent with how my payments are being applied or with their lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: AE

Complaint narrative:
Wife and I are XXXX XXXX military and both received orders from Texas to XXXX. We have two vehicles financed through Kia Financed. We requested permission to ship vehicles to XXXX XXXX XXXX for the duration of our assignment  ( 3 years ).  Immediately we ran into issues with customer service giving us bad information. We were told to send approximetly 10 documents to include their Vehicle Transport Checklist with our miltiary orders, insurance, etc ... However, they lost the documents on three occassions, and gave us incorrect fax numbers for submission of three occassions. We were able to get one vehicle shipped through pure luck. However, the other vehicle is in XXXX at a storage facility as we can't legally ship untily they give the approval. I called them again a few days ago and the customer services rep was unable to give me any information on the where the approval letter is or what we need to do for approval. At the end of the day we have one vehicle sitting in XXXX, and we're renting a vehicle in XXXX to get to and from work while serving an assignment in XXXX. Kia is horrible at getting us answers. The office responisble in processing the application has no ability to receive calls form the customer, and more concerning, is the customer service rep we do call at KIA, is unable to cal them or message them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
Had no prior notice of claimed debt or how much or why debt was owed. Suing company ( Calvalry SPV I LLC simply tried to serve summons notice via USPS mail and later sent summons server declaring there intentions to serve me summons. I only found out that I was being sued from attorney letter offering to help with law suit in letter dated XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 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: Informative Research
State: CO

Complaint narrative:
Hi so I just saw a new inquiry on my credit report that I have never authorized to do so. I dont even know who this company is or why they are trying to access my information when I never said they could or have even talked to this company! The inquired on XX/XX/19 The name of the company is informative research XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/2019, I used my credit card to pay for my flight baggage. The credit card is marketed as reimbursing the first {$100.00} in qualifying airline   incidentals per calendar year on qualifying airlines. I overall spent {$60.00} for 2 bags, and this is my first time attempting to use this credit. The credit card terms state that it should take 2-4 weeks to be reimbursed. I called the credit card company first proactively to ensure that I would be reimbursed. I was assured that it takes time to post. Then, I called 2 more times after that when the credit did not post in the supposed time frame. I left roughly a week 's time between each call. Nobody has reached back out to me since my last call slightly over a week ago, nor have I seen an adjustment on my account. I have paid the outstanding balance in full and have complied with the terms and conditions.

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 2019-07-14 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: The Outsource Group, Inc
State: GA

Complaint narrative:
I contacted the company medicredit back inXX/XX/2018 for reporting medical bill that was paid by well care .the person I spoke with say the account was sent to them and then revoked by doctors hospital but it wasnt told to them to remove off credit file. She stated whether paid or not they will not remove it even though they have no file or contract to say this debt is outstanding or due

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