vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-31 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have been doing business with Citi Bank since XX/XX/XXXX when I first opened my credit card account with them with a {$300.00} limit. I have paid my bill on time and have never had any negative infractions while doing business with Citi Bank, account has been in good standings with the company. So I always receive pre-approved credit increase packets in the mail, but every time i apply i'm always turned down for the increase. So i received another pre-approved credit limit increase packet in the mail in XX/XX/XXXX and applied once again only to be turned down. So XX/XX/XXXX I call and speak with someone in the reconsideration phone line at Citi Bank and was told that they found and i have negative items on my credit reports. So me and my son ( which does credit repair ) pulls my credit reports and I do not have any negative items whatsoever on my report. Every item on all 3 of my credit reports are in outstanding status. I have no collections, late payments, bankruptcies, or not one single negative mark on my credit and I have proof that it has been like this for months. I have very high limit cards with my credit union and several other credit card companies. My vehicle loan is in outstanding shape and I have low APR. We are at a loss of words of to why the company I have been doing business with the longest keep generating these fraudulent packets that's being mailed to my address and every time i apply i'm turned down. They can not be looking at my current credit reports cause I have copies and proof in hand. I would like this matter looked into by someone and reconsidered. Because I feel this card is useless to me

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 2019-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I am writing because I am trying to figure out exactly why NFCU is allowed to break the law and charge me for fraudulent debits and I have completed everything neccessary to have them blocked under FCRA 605b.

I have fully complied with the requirements of FCRA 605B ( a ), which sets forth the items required to block identity theft info from your credit report, and them imposing an investigation requirement that is clearly not part of the block procedure is clearly a violation of my rights.

The two individuals who " investigated '' were XXXX XXXX ( who I have never ever heard from and never contacted me ) and Senior Investigator XXXX XXXX ( who basically just treated me like I was the criminal and his " investigation '' was based on his opinion, which is completely unfair.

Someone has seriously done damage to my future and has made it extremely difficult for my everyday life, and to ME that is serious, even if noone else seems to care or be bothered to actually follow the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX/2019 : Company = XXXX XXXX XXXX Company : Left a voicemail Me : Checked online account, noticed late payment. Late payment due to returned check. 
Note : Spoke to XXXX from XXXX. I recorded our conversation. I have payment confirmation emails referred to below and a screenshot of the payment screen. 

Complaint : The website, on the payment screen, says that the payment will be posted the day the payment is submitted and the transfer of funds will be completed within 2 business days. This is also said in the payment confirmation email. I planned accordingly and closed my checking account on the 3rd day. Since the payment was processed post-closing, a return check was resulted. If the bank was able to, at the least, post the payment to my bank account then it would have been fine, because all posted/pending payments were funded when I closed the checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WY

Complaint narrative:
Letter from XX/XX/XXXX from Citibank which CFPB helped me with stated that my account was under review for a XXXX. I know there should be a XXXX issued by tax law. 
1. They wrote it off their books in XXXX 2. The balance wrote off was over {$600.00} 3.  No collection activity since XXXX or XXXX. 

I called today ( XX/XX/XXXX ) - the date a XXXX is required by IRS rules to be mailed out by. They have not issued said tax form yet. I am asking your assistance in making sure they do not circumvent the law and issue the tax form as they are required to. I may not know a lot about tax laws, but I do know that much. I also know that once that XXXX is issued, they are to start reporting my balance to the credit bureaus as {$0.00} - both XXXX cards I had have done this once they issued their XXXX forms. Im tired of Citi Bank trying to get around the laws and write their own.

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 2019-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
See all attached files associated with this. They keep saying I am XXXX XXXX XXXX, XXXX. I repeatedly told the plantiffs attorney that I am not here and that my father 's name would have to be XXXX XXXX XXXX XXXX My father 's legal name is XXXX XXXX . He has been deceased since XX/XX/XXXX. They are saying that the account was opened in XX/XX/XXXX with the address of XXXX XXXX XXXX XXXX, Tx. My legal address as of XX/XX/XXXX is on file with this agency. Also there is another document attached from the XXXX County website where you can access court records. If you will notice there is no TX DL No found associated with this person. I provided the processor with a legal birth certificate and the plantiffs attorney would not buy it and is not buying it even after I talked to him. They are saying I am XXXX XXXX XXXX XXXX. I am not. We are not the same person. I guess they will say that the DL NO belongs to XXXX XXXX XXXX XXXX Any legal document will not have initials on it, it will be a full name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for the Amex EveryDay card with the sole intention of transferring {$10000.00} upon approval since they were offering 0 % balance transfers and 0 % APR for 15 months. I thoroughly looked through the terms and conditions, and all applicable additional information online, found at the following two Amex websites : https : //www.americanexpress.com/us/credit-cards/card/amex-everyday/ https : //www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/amex-everyday-credit-card/36502-10-0/? pznOfferCode=2USH-57UK9D-31LD-SZW # FeeTable There is no mention on the website about a maximum amount you are allowed to transfer with the exception of " You may not request a balance transfer amount less than {$100.00} and the total amount of balance transfer request ( s ) must not exceed your credit limit. '' Seeing that I was approved for {$15000.00}, I should be eligible for a $ XXXX balance transfer. However, they told me that their policy only allows for a total transfer of {$5000.00}. This is very misleading. 

Furthermore, when I was on the phone with Amex, they told me they could up the balance transfer to {$7500.00} because it was their current policy. I told them that still wasn't the $ XXXX  I was planning to transfer. When I spoke to a supervisor telling her this, she said that the {$7500.00} offer was revoked after I was approved for the credit card. 

XXXX was the name of the supervisor, and she put me on hold to review the terms and conditions. When she came back, she told me that I was absolutely right, but they weren't going to do anything about it immediately. 

At the very least, I'd want to transfer the $ XXXX that I planned. However, because Amex was misleading in their terms and conditions can not do that with this card. I would have applied for another credit card that honored their terms and conditions but having applied for this card hurt my credit score. I don't feel comfortable getting another card with another credit company because my score has already taken a hit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MiraMed Revenue Group LLC
State: SC

Complaint narrative:
This is Debt is not mine nor did I authorize this. I have a perfect history of paying debt on time. This is only debt on my credit that does not belong to me and it is reporting negatively. I am very disappointed this is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
30 YEAR FIXED RATE MORTAGE. every month instead of a billing statement I get a letter stating the loan is delinquent and that the mortgage remains unpaid. the problem is that we make the payment ontime every month as we have since the beginning of the loan. have proof bank statements, copies of checks, etc. the lender is claiming an escrow account defficency .. another lie. the lender has raised the monthly payment twice and we make the higher payment. I have payed the insurance and property taxes myself out of pocket. so where the XXXX is the money being payed into escrow? the lender also is requiring an escrow balance higher than RESPA laws allow. I AM GETTING SCAMMED

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 2019-01-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing of complaint about Equifax Credit Bureaus failure to delete an inaccurate, adverse account from my credit report. The account I am disputing is XXXX XXXX XXXX associated with account number XXXX. I do not recognize or owe the said balance on this account. The balance listed on this account is INCORRECT. Equifax has also failed to substantiate that the account is mine. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. Equifax also has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Equifax has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to promptly DELETE all information which can not be verified. I am requesting that Equifax delete this unverifiable account immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
This is a scam company. No way is this my debt and you never gave me a chance to dispute this debt! This is bogus

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 2019-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
Company claiming to be american express Phone number XXXX XXXX XXXX Calling personal number repeatedly Calling AT WORK Calling about father 's credit card, not my own Looks really bad to get calls at my own work over this. Especially when they call customer service to ask for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31 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: CO

Complaint narrative:
I submitted a dispute with Capital One about being charged for a service I did not authorize at XXXX XXXX XXXX. I had taken my car to XXXX XXXX for a flat tire repair, and authorized the {$10.00} charge, offering my credit card at that time. However, when my car was not returned after 4 hours, I found that they had erroneously replaced the tire on my car instead of repairing. I did not authorize this work, as would have been required both by company policy and state law, and refused to sign the work authorization form. However, they charged my account for {$57.00} anyway. 

Capital One has sided with the merchant because the merchant printed on their receipt, " no signature required for purchase. '' However, I did not authorize the amount charged. If I had purchased a {$0.00} candy bar and they had erroneously charged me {$50.00}, but printed this on the receipt would the merchant have been justified with siding with them in that case? No! So this argument is clearly flawed. 

Capital One has requested I provide documentation, and refused to reach out or speak to the merchant. However the only one with paper documentation, IS the merchant. Yet Capital One wont even call. 

They stole my credit card details by collecting them under false pretenses, then using them for a purpose other than I originally specified. That is fraud. Follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
Have been contacting the company non stop since XX/XX/XXXX. Customer service is the poorest & get different information with every representative I speak with. The collection company is no help & dishonest & when requesting contact with their superiors is a waste because they won't return messages. I requested a payment arrangement & was advised I didn't qualify. An modification was suggested & when I called the number provided to request a packet I was advised I did not qualify. What am I to do at this point & it seems as if rushmore loan management is a problematic company who doesn't listen or truly try to assist consumers. I am positive there ultimate goal is to complicate as many transfer loans as possible so that they can ultimately foreclose & sale for an higher profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: MI

Complaint narrative:
On XX/XX/2019 I emailed XXXX  XXXX XXXX  regarding two accounts reporting incorrectly on my credit reports ( Transunion, XXXX, XXXX ). I informed them there were inconsistencies between the three bureaus and asked for these accounts to be removed from my credit report. In the email ( screenshots attached ) I addressed myself under my legal name, XXXX XXXX. On XX/XX/2019 XXXX XXXX XXXX  responded with 3 letters per account which did not address my concerns with the inaccurateinvalid information reporting on my credit reports. In addition to not addressing my concerns, the company referred to me under an incorrect name. Despite me giving them the name XXXX XXXX in my request they addressed the letter to a XXXX XXXX. This additional inaccuracy is proof this debt needs to be removed from my credit reports.

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 2019-01-31 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: MI

Complaint narrative:
On XX/XX/2019 I emailed XXXX  XXXX XXXX regarding two accounts reporting incorrectly on my credit reports ( XXXX, Equifax, XXXX ). I informed them there were inconsistencies between the three bureaus and asked for these accounts to be removed from my credit report. In the email ( screenshots attached ) I addressed myself under my legal name, XXXX XXXX. On XX/XX/2019 XXXX XXXX XXXX  responded with 3 letters per account which did not address my concerns with the inaccurateinvalid information reporting on my credit reports. In addition to not addressing my concerns, the company referred to me under an incorrect name. Despite me giving them the name XXXX XXXX in my request they addressed the letter to a XXXX XXXX. This additional inaccuracy is proof this debt needs to be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: MI

Complaint narrative:
On XX/XX/2019 I emailed XXXX XXXX XXXX  regarding two accounts reporting incorrectly on my credit reports ( XXXX, XXXX, XXXX ). I informed them there were inconsistencies between the three bureaus and asked for these accounts to be removed from my credit report. In the email ( screenshots attached ) I addressed myself under my legal name, XXXX XXXX. On XX/XX/2019 XXXX XXXX XXXX responded with 3 letters per account which did not address my concerns with the inaccurateinvalid information reporting on my credit reports. In addition to not addressing my concerns, the company referred to me under an incorrect name. Despite me giving them the name XXXX XXXX in my request they addressed the letter to a XXXX XXXX. This additional inaccuracy is proof this debt needs to be removed from my credit reports.

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 2019-01-31 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: IL

Complaint narrative:
On XX/XX/XXXX, an online payment of {$2900.00} was made into my Citi MasterCard account from a XXXX Bank account ( this credited amount was shown in my statement for the period from XX/XX/XXXX through XX/XX/XXXX ). This was an authorized transfer and, as noted, was duly credited to my MasterCard account. Sometime on or about XX/XX/XXXX, this payment was removed from my Citi Cards account without my approval or knowledge.This action was shown in my Citi Cards statement for XX/XX/XXXX through XX/XX/XXXX, and was described in a letter I received from Citi Cards dated XX/XX/XXXX. To find out what happened, and to get my money put back into my account, I called Citi Cards on XX/XX/XXXX and XXXX ( on the XXXX, I was told that the matter had been turned over to a supervisor and there was no need for me to send any background documents at that time ). Then I received a letter ( dated XX/XX/XXXX ) from Citi Cards saying that the situation was being investigated in their " security department ''. I heard nothing further from Citi Cards, so I called them again on XX/XX/XXXX ; and then on XX/XX/XXXX and XXXX, XXXX. During each call, they seemed to be confused about this case ( as if they had no record of the letters they had sent to me or my previous calls, and they kept transferring me between Customer Service and Security, etc. ) and no progress was ever made. That is why I am contacting the CFPB ; it seems Citi Cards can use some help in getting this matter resolved.

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 2019-01-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report is showing multiple soft and hard inquires that I don't recognized and I've never had them before and this is badly affecting my credit score.

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 2019-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX, XXXXunpaid,XX/XX/2017, suspected fraud activity, my identity was stolen by someone i do not know and they created this accounts. 
reported the issue online to the social security department also filed an identity theft report online.

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