vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CO

Complaint narrative:
I transferred {$400.00} from my Credit Karma savings account to my external Credit Union checking account. Its been 15 days and my transfer has not shown up. Credit Karma says it has been transferred. My Credit Union says they have no record of the transfer. I am now missing {$400.00} I transferred out of my Credit Karma Savings account into my external checking account. Customer Service is pathetic with no help in sight. They respond with confusing emails I suspect are written by someone without a grasp on the English language. My case number with Credit Karma is XXXX. I really need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express advertised a 0 % interest promotion for 12 months for my existing American Express card. I went to the website indicated to sign up. 

On XX/XX/XXXX, I received confirmation by email that I was approved for the promotion : " We're writing to confirm your new promotional Annual Percentage Rate ( APR ) for eligible purchases as described below. 
Your promotional APR for purchases is 0.00 %. 
Your promotional APR is valid from XX/XX/XXXX through your billing period ending in XX/XX/XXXX. '' I went to the website to change my autopay from the full amount to the minimum payment. At the time I made the change of payment amount, the system without my knowledge also changed the payment date. A payment had been scheduled for XX/XX/XXXX, and my changing the payment amount apparently cancelled that payment. 

On XX/XX/XXXX, I got a notice of a late payment. I contacted American Express. After much discussion, they waived the fee. I made the payment manually and I thought that was the end of it. 

On XX/XX/XXXX, I saw a charge for $ XXXX in interest. I contacted American Express immediately. According to the representative, the one-day-late payment invalidated the 0 % interest promotion. 

I paid off the entire amount then and there. After more back and forth and supervisors called in, they agreed to a {$50.00} goodwill refund, but said that they would not completely reverse the interest charge and in fact they would charge " trailing interest '' on the balance that I had had from XX/XX/XXXX until XX/XX/XXXX. 

I always pay off my balance in full. It seems clear to me that this 0 % promotion was set up to sucker unwitting customers into paying interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-23 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Sent a letter to all credit reporting agencies on several occasions asking that they update my personal information. I sent a letter with a drivers and bill showing my correct name and address. Consequently, They all have decided that the information they have is verified and will not remove those inaccurate findings. Who are they to tell me what my name is? XXXX is not the same as XXXX. They will not remove any/all information that does not reflect this correct information. Therefore they are reporting inaccurate information. There is no active credit company listed on my report that should be using no other information than what has been proved.

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 2021-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Sent a letter to all credit reporting agencies on several occasions asking that they update my personal information. I sent a letter with a drivers and bill showing my correct name and address. Consequently, They all have decided that the information they have is verified and will not remove those inaccurate findings. Who are they to tell me what my name is? XXXX is not the same as XXXX. They will not remove any/all information that does not reflect this correct information. Therefore they are reporting inaccurate information. There is no active credit company listed on my report that should be using no other information than what has been proved.

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 2021-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: FL

Complaint narrative:
I was sent a letter saying i owed {$840.00} by a debt collector trying to use XXXX XXXXXXXX XXXX  name. 

CHASE RECEIVABLES XXXX XXXX XXXX XXXX XXXX NJ XXXX The bill says date of service XX/XX/19. I have never received a single letter or notice of this bill existing. I have never heard of the existence of this debt. I told them the debt was false and they said they will still pursue me. They were harassing me. They were asking for personal information that I refused to provide because I think they were trying to steal my identity.

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 2021-07-23 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: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX I received an email from Citi that my credit card had been closed due to inactivity. I did not receive prior notice of this event, and was surprised because the expiration date on the card was for the year XXXX. I called Citi to reverse this, and was told that the reversal process would create a " hard '' credit pull on my credit history, and the reversal was not guaranteed, but would be essentially reapplying. I have several concerns : 1. An unexpected loss of a line of credit ( which could be needed in an emergency ). 2. A hit to my credit due to reapplying and a hard credit pull. Also, this is my oldest credit cards, and I know this factor is taken into account in determining my credit score. I worry my score may further drop without this account 's longevity. 3. As there was no prior notification and the expiration date of the card stated out into the future ( XXXX ), I feel there was no reasonable way I could have prevented this card 's closure. I asked what Citi 's policy was on inactivity, and they could only vaguely state it was something " after a few months of inactivity. '' How can I guess what this vague statement means? I believe this may fall under the purview of UDAAP related regulations.

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 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
I have disputed this collection account repeatedly because I am not sure why it shows I owe the apartment complex. I have requested a debt validation letter. I have tried looking the debt up online and have been unsuccessful in even finding anything on this debt. I never received a letter or anything about it prior to it showing on all 3 of my credit reports and still have not received anything. The collection agency keeps removing and adding account back on to my credit report to purposely hurt my credit. I think its unfair that they have never sent me any documentation or information regarding this debt in order for me to validate and try to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX  and I do not have a contract with CREDIT COLL plus they did not provide me with the original application like I asked. 
Account No : XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: IN

Complaint narrative:
Tried to send money through Western Union from the United States to XXXX. My bank declined the first time and I called them to let them know I authorize the transaction. Resent the money and Western Union put it on hold. When the person I sent it to went to pick it up there was hold. I called Western Union and they would no send my money without asking very personal questions. They asked my relation, what i was sending the money for, were the funds bein used to handle a transaction for me ... ..I asked them to cancel the money transfer that I will send it through XXXX who I've never had any problems with before. This is my hard earned money and who and for what reason I send it is my business and this was invasion of privacy. Find other ways to verify that it's me and I'm sending money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: PA

Complaint narrative:
This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
I received a garnishment email from my employer on XX/XX/XXXX, never knew about this. Apparently this loan was taken out in XXXX, with no attempt to contact me after XXXX debt collector states they attempted to send me docs, but all were " sent '' to an address i have not been at since XXXX. My concern is that my addresses have been kept up to date with the state, and why after XXXX no attempt to contact me or collect, i then get a 4 day notice and have XXXX dollars garnished from my check. i never had a chance to dispute this case or even come up with payment arraignments. i then contacted the attorneys office that was handling this case and they said they would reduce the cost to 15 %, that never happened. I am now in a position where I dont have enough income to pay my rent,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I attempted to dispute inquiries made on my credit report online. I was then told on their website to call a 1800 number to make a dispute because I can not dispute it online. I called Transunion and talked with " XXXX the Supervisor for special handling '' and was denied from legally disputing any unauthorized inquires made on my account. I informed them under section 609 that I have every right to dispute anything on my report that may be fraudalent or unauthorized. And was still denied. They told me they will need a " letter from a lender ''. I then informed them that the lender would not logically know if the inquiry was unauthorized or not. Only the consumer would be able to confirm that. Transunion is violating my rights under section 609 to dispute anything on my credit report, including unauthorized inquries. I demand that my inquries be disputed legally or deleted. If this isnt done under law section 609. The next step will be legal action with my attorney.

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 2021-07-23 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
These two companies continue to report false/ inaccurate information on my Consumer Report. Ive contacted both companies asking for Validation of the information their reporting on my profile and I have received anything, so according to Fair Credit Reporting Act i know they have 30 days to respond to any issues I have but its been beyond 60 days with no response. 
Please Update my account by deleting XXXX XXXX from my Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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:
I went to a program through my church buying your first home and the lady gave me a list of things I needed to work on and while she was going over my credit I saw some things on there that I dont know nothing about Im trying to see how I have student loans when I never graduated high school because I had to drop out and take care or my child and they are XXXX, XXXX XXXX, XXXX XXXX. I also saw several Inquiries on there that are not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out and filed a complaint with the FTC and contacted the police here. Im doing this on my own and need your help with this.

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 2021-07-23 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: GA

Complaint narrative:
I went to a program through my church buying your first home and the lady gave me a list of things I needed to work on and while she was going over my credit I saw some things on there that I dont know nothing about Im trying to see how I have student loans when I never graduated high school because I had to drop out and take care or my child and they are XXXX, XXXX XXXX, XXXX XXXX. I also saw several Inquiries on there that are not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have reached out and filed a complaint with the FTC and contacted the police here. Im doing this on my own and need your help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
My complaint is with Planet Home Lending. My VA loan was originally processed through XXXX XXXX XXXX, but was soon sold to Planet Home Lending. I made my first mortgage payment of {$1600.00} ( XX/XX/2021 ) to XXXX XXXX XXXX, which was then forwarded to Planet Home Lending in order to validate this payment. Today ( XX/XX/2021 ), I received a call informing me that my XXXX payment was never received, and that I was approaching 60 days of no and/or late payment which would be reported to the credit bureaus. However, I was also told on today 's ( XX/XX/2021 ) call that my XXXX payment ( XX/XX/2021 ) was applied to my XXXX bill. If this is the case then it would be impossible for me to have not paid for 60 days as only 23 days had passed. However, the greater issue at hand is Planet Home Lending not acknowledging the payment sent to them by XXXX XXXX XXXX. Today ( XX/XX/2021 ) I have confirmed with both my bank, XXXX XXXX, and with XXXX XXXX XXXX that my payment was received and forwarded to Planet Home Lending. During my call today with Planet Home Lending, the agent I spoke with refused to take any of the information I had regarding the payment that was received by XXXX XXXX XXXX, and also stated that Planet Home Lending would not be attempting to learn why my payment was not accepted or applied to my loan. The only reasons I can see that Planet Home Lending would perform business in such a way is they are either : 1. ) Stealing money from their purchased loans ; 2. ) Incompetently mishandling their held loans ; or 3. ) Intentionally refusing to interact with the loan seller after the sale is complete due to laziness, and therefore Intentionally mishandling held loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: GA

Complaint narrative:
I went to a program through my church buying your first home and the lady gave me a list of things I needed to work on and while she was going over my credit I saw some things on there that I dont know nothing about Im trying to see how I have student loans when I never graduated high school because I had to drop out and take care or my child and they are XXXX, XXXX XXXX, XXXX XXXX. I also saw several Inquiries on there that are not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have reached out and filed a complaint with the FTC and contacted the police here. Im doing this on my own and need your help with this.

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 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX is trying to collect on a consumer credit transaction that I entered into with another company. They are violation my consumer right pursuant to 15 USC 1692 ( d ) ( 3 ) by listing alleged debt on my consumer report. They are also violation my rights by saying I owe a debt in the positive pursuant to 15 USC 1692e ( 2 ) ( A ). I requested XXXX XXXX XXXX to validate alleged debt pursuant to 15 USC 1692 ( g ) and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I have sent 2 certified letters to state employees credit union requesting documents on this account which I am aloud to do and legally they have to provide. I have requested proof of all payments up to the said balance, a contract bearing my signature, proof acceleration notice and opportunity to cure and post repossession notices were sent to me. Proof of amount the car was sold for was credited to account. And proof that the gap insurance check was credited to my account. I have given them over 60 days and requested twice. They are also reporting inaccurate information and data on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am blocked from accessing the website even after providing all of the requested identity documents. I will attach those documents again so maybe this time they will actually allow me to access my credit on their website with my email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have a XXXX XXXX backed mortgage being serviced by Mr. Cooper. I have been on a COVID FB for the last year while also going through a separation with my partner. I called the other day to inquire about the post COVID options since I am back working. I told them I can not afford the current payment but close to it ( XXXX dollars. ) They approved a trial plan at a hirer payment amount then I am currently paying ( not due to an escrow shortage, my escrow is up to date ) without terms included. I was advised on the phone they are doing term extensions to 40 years ... why to make us pay more interest and take advantage of the situation. How am I expected to accept an offer without terms and have no idea what my payment will be at the end.I do not want a 40 year mortgage. What am I agreeing to? If I decline it I will not be eligible for a streamline post COVID mod ... this does not seem fair and I feel like I am being back in a corner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
The bank never sended the statement of my account. Im trying to access it and the profile user id says that is invalid username with my username.

Company response to consumer: Closed with explanation