vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I applied for a credit card as part of a promotion when I bought a timeshare from XXXX XXXX last May. I did not get approved for the credit card at that time but I was told that they will look into it. I received all timeshare documents and promotional materials from XXXX (via USPS and e-mail) but not a credit card or a credit card bill from them. Last week I received an email from my credit monitor that I have a new negative remark on my credit. My credit report shows an account for Comenity Capital XXXX with a balance of $XXXX. As of today I still have NEVER received a card or a single billing statement from Comenity. I honor all my credit obligations to the best of my ability. I am never delinquent and my very good credit score is a testament to that. However, without a statement or card number, how am I suppose to pay my bill? I made it clear when I applied for both timeshare and credit card that my mailing and billing address are the same. This is unfair and could be a violation of my rights under FCRA and FDCA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased a $XXXX bed from a local furniture store. They offered a card with zero interest for 1.5 years and then it would convert to a high interest. What I experienced after the 1.5 interest free period is 1) not clear or not disclosed at the opening of the card or while paying on the account 2) is INSANE interest, back interest (that wasn't disclosed) as well as a DAILY compounding interest moving forward (also not disclosed). The second the 1.5 year interest free period was up...WHAT I EXPECTED: Interest would increase to very high, like around 25%.WHAT ACTUALLY HAPPENED: (1) BACK FEES in the amount of $XXXX   applied, essentially charging interest for the 1.5 years that it was interest free.     (#2) a DAILY Compounding Interest rate of 30%. In talking to the phone agent...if I paid the minimum balance on that card, I would have seen nearly $10k in interest added to this account in just the first 12 months after the 1.5 interest free period was over.What this means is on the original $XXXX bed purchased that was to be interest free for 1.5 years at 1.5 years and 1 month the amount owed including their back interest was $XXXX and if I would have paid the minimum for 12 months then at the 2 year and 6 month mark with the added DAILY COMPOUNDING RATE the amount owed would be roughly ($XXXX   original purchase + $XXXX back interest + $XXXX for the 30% DAILY COMPOUNDING RATE = $XXXX!!)DO NOT GET A LOAN with Brandsource for any furniture and if you do you should be SURE to pay it 100% off at least a month before the interest kicks in.

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 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I moved out of the XXXX XXXX managed by XXXX XXXX in XXXX, CA on XX/XX/XXXX. On or about XX/XX/2019 I  RECEIVED a bill in the mail for amount owed for repairs. My deposit did not cover all the costs of the repairs and I owed XXXX. It said I had to pay with a cashier's check. On XX/XX/2019 I got the cashier's check and attempted to pay The XXXX but the office was closed in the middle of the day. I returned XX/XX/2019 AND PAID THE BILL. The office manager gave me a copy of the check with her signature on it when I asked for a receipt. On XX/XX/2019 I got a call from IQ Data Inc stating I was in collections for this bill and I still owed. XXXX/XXXX and IQ Data are attempting to collect money from me for a bill I already paid.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I applied for a credit card as part of a promotion when I bought a timeshare from XXXX XXXX last May. I did not get approved for the credit card at that time but I was told that they will look into it. I received all timeshare documents and promotional materials from Wyndham (via USPS and e-mail) but not a credit card or a credit card bill from them. Last week I received an email from my credit monitor that I have a new negative remark on my credit. My credit report shows an account for XXXX XXXX XXXX with a balance of $XXXX. As of today I still have NEVER received a card or a single billing statement from XXXX. I honor all my credit obligations to the best of my ability. I am never delinquent and my very good credit score is a testament to that. However, without a statement or card number, how am I suppose to pay my bill? I made it clear when I applied for both timeshare and credit card that my mailing and billing address are the same. This is unfair and could be a violation of my rights under FCRA and FDCA.

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 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
The company called me I answered they told me I had debt that was pushed to them from my old apartments for a cleaning fee and two utility bills for the amount of $XXXX and some change. They said I needed to pay it now at first or it was going to go on my wife and mines credit as bad debt with a derogatory remark. So I asked if there was a payment plan I could do they said no but they could try a hard ship took some of my info and then said I didn’t qualify so I asked them if I could pay them when I got paid the First Lady said let me transfer you to someone who could help you. I was then transferred to guy who said since I was in the military that he was going to give me some Military friendly loan places but he needed my card information first. When I declined he then transferred me to their manager she then got really rude with me and started to threaten to call my commanding officer and they refused to accept any payment from me unless it was the full amount so after arguing with them for about 20 minutes I gave up and hung up on them. I didn’t catch the names but this is the number they called from (XXXX) XXXX if you call it, it will take you straight to the First Lady who called me. Her name is  XXXX. That’s the only name I remember. The company is “IQ Data International”

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I asked the credit bureaus to verify specific information from the company reporting the information. Instead they only advised that it was verified with information regarding items I did not ask them to verify.  They violated my HIPAA rights and would not remove from my credit union

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 2019-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I would like to withdraw all other complaints against this company that I have previously filed and replace them with this one.I have told this company NUMEROUS times to STOP contacting me by phone and they are not respecting that. I am still getting phone call after phone call every day. It has been over a month now.They are also disobeying THEIR "cease and desist" they told me they had on the account.They sent my account to a lawyer on XXXX. They told me THEY as well had a "cease and desist" from XXXX onwards. The harassing phone calls started on XXXX.The lawyer sent me a letter saying that it was "closed" on their end and it was "sent back to the client" (Capital One), XXXX. I was now to contact them.Capital One has no respect for anyone and their lives. They have no comprehension of the mental cruelty and abuse they put on people by sending them to a lawyer!!!I want NO RESPONSE from them unless they are willing to settle or remove the debt completely. I'm sick of their excuses and explanations.NO MORE PHONE CALLS FROM THEM. NO NORE PHONE CALLS FROM ANYONE THEY HAVE GIVEN MY NUMBER TO. I WILL NOT speak to them by phone. I Don't know what else to do to get them to understand and stop!There is nothing they need to "verify"----especially calling 7 times a day and abusing people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: AZ

Complaint narrative:
I asked the credit bureaus to verify specific information from the company reporting the information. Instead they only advised that it was verified with information regarding items I did not ask them to verify.  They violated my HIPAA rights and would not remove from my credit union

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I leased an XXXX XXXX XXXX Tech package from XXXX XXXX dealership XXXX XXXX XXXX, XXXX, PA XXXX on XX/XX/XXXX. The Car buying experience was exceptional. XXXX was my sales guy and he did a good job. When I got the survey, I gave it the best review. 

The deal was 36 months XXXX miles {$680.00} per month tax included DMV fees Tags  and title included, XXXX down and only XXXX payment on signing. I sent an email to XXXX ( email attached ) dated XX/XX/XXXX, XXXX XXXX asking him exactly this and he responded ( email attached ) dated XX/XX/XXXX, XXXX XXXX  stating Hello XXXX, You've got your deal! {$680.00} total due at signing. Transfer NJ tags. {$680.00} per month When would you like to pick it up? this email from XXXX clearly confirms that I am not responsible for any other payment. 

This is` my 3rd XXXX and my 4th XXXX in a row. All were leases. On the last XXXX I was over on Mileage and XXXX gave me this deal. I have gone to 3 other dealers and all gave similar deals, except XXXX XXXX had a better monthly payment by {$12.00}, but, what made me decide to go with XXXX XXXX was the clarity and excellent customer sales interaction. 
Recently Acura financial called me and said there is an outstanding amount due of about {$6500.00} on the old XXXX XXXX XXXX which I had turned into XXXX XXXX when I got my new XXXX XXXX. I was shocked. My family is devastated and disturbed. This is my XXXX lease and never had anything to pay for the old car even when I was over miles, because we made a deal, and agreed upon it as it was all take care of with the new car payment and that is what exactly what XXXX told me, If I had the slightest of the inclination, there was something hidden, I would have gone with other dealers. 

Issue : I was not told that there is a payment that I had to do on the old XXXX at any time during the sales process and even asked XXXX several times if there is any other hidden amount. Please see attached 2 email there is no mention on the any payment beside what I have mentioned above Request : May I request the dealership to resolve the issue with Acura Financial and please pay the balance owe At the time of closing the documentations, the finance Manager charged me {$210.00} additional for Luxury tax, XXXX made it a point to return the amount by check because it was not told to me beforehand and I did not have any prior communication on it. At that time, I thought to myself, I have found my dealership for all my future cars and friends, it only going to be XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Completed the product change process with Wells Fargo to change current credit card (XXXX XXXX Visa) to a different credit card (XXXX XXXX XXXX) offered. Spoke with agent about doing product change versus applying new and based on the discussion thought that because Wells Fargo chooses to do a hard pull against credit bureaus along with closing down your current account to establish a brand new card account with no history or carryover, that it would result in brand new promotions being applied. It’s the equivalent of applying as a new application and yet does not appear to come with any of the new account perks and only negatives.I asked the representative during the product change if the bonus points would apply and based on the textbook response thought that it was implied that they would. There may have been a breakdown in communication between us.

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 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I've received 6 calls this week from SouthWest Credit Systems.  Three times XX/XX/2019, I answered on XX/XX/XXXX and told them to stop calling - which I had done the prior month as well but no longer have the dates on my phone. They continued calling XX/XX/XXXX at XX/XX/XXXX. They have been calling me for months about a debt that is several years old. I have told them numerous times to stop calling me yet they persisted. The final straw was yesterday day at XXXX CST - an associate named XXXX was on the line. He immediately wanted me to give him my personal information without answering what the call was about, despite me saying I'm the person who they were asking for. XXXX  quickly grew enraged that I wouldn't give him my personal information. I told him to cease and desist the calls. Instead of ending the call he berated me by yelling over and over do you even know what this debt is for? Do you know about your credit? I said cease and desist at least 10 times he continued yelling. I then asked to speak to his supervisor. He continued yelling, had to ask for a supervisor at least 12 times during his rant before he finally put me on hold. His supervisor XXXX XXXX (title: Manager at SW Credit Systems) got on the line and I explained how XXXX  harassed me on the call and that I have requested them to stop calling me several times in the past. She assured me they would not call me again but I believe they are using a different number now because now I'm getting calls from a new number. Each time they call they refuse to tell me what this is about and go straight into wanting me to verify my personal information without knowing who is calling me. I refuse to do this with each call due to fraud concerns. I work in collections for a living I know that you never yell at a customer and when they say stop calling you stop. I have also never heard of a business calling someone and demanding personal information before they will even give their business name. The experience was very unprofessional and violates FDIC regulations. I'm a woman and to be screamed at by a strange man over the phone demanding my personal information was very stressful. I told his supervisor to listen to that call because that should never happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2019 I deposited a check that was issued to me by a friend in the amount of $XXXX.  The account was put on hold for suspected fraud. The funds cleared but were still held.  I had the issuer of the check (my friend) speak with the branch and was wondering why they deducted the money from his account but didnt pay who he wrote the  check to(myself). The bank had said that they were going to hold the money no more than 11 days.  It is now almost one month later and they still are not releasing my money.  They informed me that they would be closing my account because there was a bounced check from the same check issuer (my friend). and they decided that was too much negative activity for such a new account. However, they continue to hold on to the money and not send a check like they said they would do.  The account remains open, it has a positive balance of $XXXX.  On XX/XX/2019, however, they did release to me $XXXX because I told them that I was having a problem and needed at least that amount. So again, the account remains open,  i'm unable to spend the money that is in the account and they are just holding onto it.  I told them I needed to pay my rend and pay other bills and that them holding my money was causing many problems for me.  I'm now about to lose my apartment because I'm not able to pay the rent. I have defaulted on my utilities and power is about to be turned off.  I cannot believe they are doing this to me and how is it they are allowed to do this to me?  This must be against some law. The is all happened at the US bank in XXXX, CA  (XXXX Branch).  the address is XXXX XXXX XXXX. XXXX, CA XXXX.  The manager who opened my account and placed the hold on my account is XXXX.  I have asked her to get me in touch with someone who I can resolve this matter with and she tells me that it is all decided from an office that I'm not  allowed to speak with and am just given a number to call.  When I call this number, the end result always is to contact the branch.  So it's this circle Im having to be in and it just keeps going around and around and no one can answer me anything other than :your account will be closed and we  will mail you a check:.  But it never happens and is not happening as the account is still open.

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 2019-08-21 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have disputed the late payment status reported on the accounts  XXXX/XXXX  XXXX****, XXXX  XXXX****, with XXXX  and Equifax for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please I’m looking to purchase a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21 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: NV

Complaint narrative:
I have reached out to the companies about the accounts not having the correct information,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: NV

Complaint narrative:
I have reached out to the companies about the accounts not having the correct information,

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