vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In XX/XX/XXXX, I paid for flights to XXXX XXXX, XXXX XXXX ( for XXXX in XX/XX/XXXX ) using XXXX XXXX Thank You rewards points and {$20.00} on my credit card. I purchased the tickets on XXXX 's XXXX website. At the time I used the points, each points was worth XXXX cents each if used for flights on XXXX XXXX, which means I was able to use them to purchase flights worth a total of {$990.00}. It took me a long time to earn {$990.00} in Thank You points, and I was relying on being able to use them at a value of XXXX cents each when I signed up for two Citi credit cards and paid the steep annual fees ( {$350.00} for one ) and used them instead of other credit cards for many purchases. 
After I traded in my points for flights, on XX/XX/XXXX, Citi reduced the value of its Thank You points, such that XXXX point is now only worth XXXX cents each if used to buy flights with XXXX XXXX. 
As everyone knows, XXXX XXXX devastated XXXX XXXX in late XXXX. XXXX XXXX had to cancel many flights, including ours. In XX/XX/XXXX I called XXXX to request a refund, and that refund was issued on XX/XX/XXXX. As the attached email from XXXX shows, the refund amount was {$330.00} for each of the XXXX tickets, for a total of {$1000.00}. XXXX says the refund went to a " XXXX ending XXXX, '' which must be the card that Citi used to pay for the tickets. ( I paid with points, and I never had a credit card with these last four digits. ) On XX/XX/XXXX, I called Citi to ask how I would be refunded the {$1000.00}. I said I would prefer a check. The agent told me the refund would be in the original form of payment - Thank You points and a {$20.00} credit card refund. I explained that I did not think that was fair since Citi reduced the value of Thank You points by 22 % after I used mine. The agent apologized and encouraged me to file a complaint online or with the CFPB, since there was nothing the agent or their supervisor could do to make up the difference for me. 
On XX/XX/XXXX, Citi credited the XXXX Thank You points back to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO

Complaint narrative:
In mid-XX/XX/XXXX, I opened a XXXX  Checking account with HSBC with an initial deposit of {$1500.00}. Two months later, I received the letter I've attached dated XX/XX/XXXX. They used vaguely threatening language to convey to me the notion that if I didn't provide them with unspecified additional information, my account might be closed. They provided a toll-free number to call.

On numerous occasions since then, I have tried without success to reach them. There have been hold times up to 30 minutes without an answer ; their system offered to let me leave a call-back number but I was disconnected ( twice ) upon selecting that option ; twice, I selected that option and was told the mailbox was full ; and twice I was able to leave a message including my call-back number, but I've heard nothing. I've tried other HSBC customer service numbers, but I was told I needed to call the specific number on the letter. I've tried their Chat feature on their website but was told I needed to call the specific number on the letter.

In short, I have gone to extraordinary lengths to try to comply with their request, but I've been thwarted at every step. I'm through trying. I'm seeking your help in punching through their barrier to contact them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06 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: FL

Complaint narrative:
My debt is currently being managed by a credit counseling agency - XXXX XXXX XXXX. My credit card accounts were all negotiated and new payment terms were agreed upon with all of my creditors. XXXX XXXX  Credit has continuously accepted payment and has agreed to new payment terms, yet has marked payments late each month for the past year. Each time I attempt to reach out to XXXX XXXX via telephone, I am told that they have no record of my calling, of my credit counseling program, or of the new payment terms. I have exhausted all efforts of attempting to resolve this matter myself and would like for all late payments to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Me and my wife got approved for a home loan at 4.25 with tier B credit levels. I had a few medical debts that I was told to leave alone considering we had already gotten approved, and we didnt want to change anything that could affect our credit. It was a loan on a construction home that was going to be ready to close on the first of XXXX. With that being said we werent given the chance at a rate lock of the 4.25 because the loan officer and processor couldnt get any paperwork turned in or requested in a reasonable amount of time. The final rate lock would have secured our loan. The problem is that they never discussed any of this with us when it was supposed to be done which was 90 days before XX/XX/XXXX. When they did finally decide to run the credit for the rates, a few medical bills in the past opened up as new open debts. This caused my score to drop well below any approval for any mortgage. I do understand that the medical debts are still my responsibility. I also take full responsibility for my debts. My problem is that I was following the directions of the bank employees step by step and they decided that they would reciprocate their efforts with laziness and lack of communication. I do apologize for the complaint being out of order and misdirecting. I have been put through six months of an emotional roller coaster. Just to have to be given a very hard and unclear no to the house that we watched be built from the ground up. The personal investment that was taken by Navy Federal and their lack of commitment can not be undone. I really hope that other customers dont have to be put through what me and my wife have been put through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I contacted Paypal Credit onXX/XX/XXXX via email to stop contacting me via telephone and to only contact me via USPS mail or email. I also sent a letter via USPS onXX/XX/XXXX requesting the same information. Paypal Credit responded to me onXX/XX/XXXX so I know they received my email however, they continue to contact me via their auto-dialer/telephone calls. Multiple calls occurring per day since XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
XXXX, forward correspondence stating I owe XXXX {$120.00} ; which I'm a current XXXX customer. I ask for billing information, to speecify my charges and what and how I owe. Yet, keep get new correspondences with my previous addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
On XX/XX/2018 I was notified by XXXX, a service of XXXX that a new collection account was added to my credit report. After finding the entry, I looked up the company that had placed it, XXXX XXXX XXXX, found their website and filed an inquiry into the account. I received an email response that did not acknowledge the account or address the information I provided them regarding the ID theft and fraudulent account report. I provided them with the FTC ID Theft Report number, Information about the original account fraud notification to all 3 credit reporting agencies, and the fraud notice on my credit reports. This particular ID Theft event was a closed matter. Some entity has sold the account, knowing it was ID theft to another collection agency, which is allowing this to continue. It should be illegal to sell an account that has been attributed to fraud or identity theft to another collection agency. Especially without having to ever notify the consumer. I was never contacted or notified about this debt until it was reported on a credit report. That is when I first learned of the account. I have been a XXXX customer in my home state, 1000 miles from the ID theft location, for years. XXXX never contacted me about this account! This is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This collection agency repeatedly calls my husband, and even went as far as to tell him they were a collection company and give him the amount of my debt. They ALSO shared the type of credit card it was and when it was taken out with him. It is my understanding that they can not share this information with him. The debt was from 5 years before we were married, and he has not affiliation with it. This happened XX/XX//18. 

The company is called Portfolio Recovery Associates. Their last call to him was about 10 minutes ago, and they hung up on him as soon as he told him his last name was different than that of my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Liberty Loan Co inc.
State: TX

Complaint narrative:
Liberty Loan keeps contacting me in for a loan issued to XXXX XXXX. I have nothing to do with that loan and I want them to stop calling me ASAP or I will file legal actions against them. I have no ties with her and I want them to leave me alone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: Army and Air Force Exchange Service
State: AP

Complaint narrative:
I believe that the company misunderstood what my complaint was the first time. I only used my card when waiting for my debit card to arrive. When I did use I paid it off as soon as my debit card came in. ( No more than 1 week ). This occurred initially in XX/XX/2016. In this case I went in to pay my bill as soon as I received my debit card IN-PERSON by going into the local aafes base exchange. I paid the amount in full because I know I used my card recently and then I shredded it because I knew I wouldn't be using it after my debit card came in. Next month I received a bill saying I had money due. It didn't make sense, so I immediately went into the base exchange. I went in the next day and they told me that I already paid my balance and I had a balance of XXXX dollars. I told them I received a bill that said I had a balance. I figured that it was an old bill balance just talked to them and they realized they made a mistake to begin with. I did not receive statements for several months after that, for good reason, I assumed since I hadn't used my card. After 8 months I received a call from my flight commander and said I had a bill due with accumulated interest. I went back to aafes and told them exactly this. They were helpful and apologetic. They called star card department for me. I talked to a guy that was not willing to help at all. He was very hard to deal with, but I was finally able to pay my bill with acquired 8 months of interest. Whether the mistake came from aafes employees, the military star card company, or the XXXX XXXX, I am became a victim without any opportunity to help myself. This severely hurt my credit since I have never owned a credit card before this and it is preventing me from owning a basic level credit card at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: WY

Complaint narrative:
Stearns Lending sold my Mortgage to XXXX XXXX but didn't transfer my last payment. They are holding a {$1500.00} payment since XXXX. My bank has contacted them but they say they've transferred it. They havent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: Sarma
State: TX

Complaint narrative:
I submitted a dispute to the following credit Agency : XXXX They are incorrectly reporting a medical debt collection under my name and social security number. It has been more than 30 days and has not been resolved. XX/XX/XXXXwas their deadline. I called and was told that it was not removed. The collection happens to be under a person with the same first, last name and DOB as myself. Her address is also being reported incorrectly under my social security. The debt is for XXXX  for a medical debt reporting inXX/XX/XXXX.

I called the Sarma Agency before submitted the original request through XXXX  and they could not find it because the social securities are different and I also called the Medical Doctor and they have no record of my name and social security number. I now have to file a fraudulent report with XXXX  and they are asking me to file a police report. This is not my error. It is the credit agency for reporting it incorrectly.

My report number with XXXX  is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My XXXX  report does not show item or address.

My XXXX  report does not show item or address

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
I have a collection account on my credit reports from First Fed Credit Control that does not belong to me. The balance on this account is {$70.00}. The account was opened on XXXX-13.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Data Corporation
State: IN

Complaint narrative:
I was contacted by a Debt collector ( XXXX XXXX XXXX ) on XX/XX/2018 for a debt owed ( XXXX ) to XXXX XXXX Payments. Basically there was a fraudulent purchase made by an individual using a XXXX XXXX account, in my name. I do not shop at XXXX and I have never opened this checking account through XXXX XXXX, so this must have been due to my identity being stolen last year, which is why I have a security freeze on my credit. I am working with XXXX currently in a dispute over the debt ; however they keep asking for more information than is required ( current bank information etc. ) and other sensitive information that makes them seem illegitimate. I have contacted XXXX many times, only to be given information that the case is being worked on, and there has been no status. The last time I contacted XXXX, they needed to open a " new '' case as they seemed to have lost my information. At this point, I am confident that this issue wont be resolved unless, they perform a charge off, and I take them to court as they are NOT able to validate this debt with my information, and in violation of Federal law. I will open a police report as well, as this organization and this debt are both fraudulent. 
XXXX XXXX XXXX Reference # XXXX Case : ID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06 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: IN

Complaint narrative:
XXXX XXXX reported to TransUnion that I owed a XXXX XXXX bill on XX/XX/XXXX. I have called XXXX and disputed the charge 4 times. I have a letter from XXXX XXXX saying that I have {$0.00} balance. I called and talked to transunion again today which is XX/XX/XXXX. And I have asked if they have done an investigation and the said they called and verified with XXXX XXXX that my name address and SSN was correct and the amount owed. 

I asked if they have contacted XXXX XXXX to verify that was correct. They told me that they can not contact XXXX XXXX, I was on the phone to her for about 45 minutes asking her why they refuse to verify the information and they keep telling me they already did 2 times and that the info came back correct. I gave them the name and contact info for the guy that I talked to at XXXX XXXX and she refused to contact and verify that the info was correct because XXXX XXXX is not the one that reported it she said. I told her then she didn't do a full investigation then if she didn't verify where the info came from. I asked to speak with her manager and she said that she was only that i could talk to about this problem. I asked several times and she refused to let me speak with her manager and i asked for her name and then somehow we got disconnected. 

When i was speaking with her on the phone I asked how can they tell this info is correct, she kept telling me they did a investigation. If you dont check with the source you can not be sure the info is correct? How do they know it was really my account? Anyone can open up an account in someone else name and not pay the bill, and then it will go to collections, they took no steps to verify this was my account. They also refused to contact XXXX to verify the info that was coming from XXXX was correct. 

All i want is collections to be removed from my account and there be no record of it on my account at all. I have been fighting with Transunion for months to get this taken off and they refuse to remove something on my account that they refuse to verify from the source.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: DISCOVER BANK
State: FL

Complaint narrative:
Due to Hurricane Irma in the month of XXXX, I was placed on a Disaster Relief Program by Discover personal loans. My payment for the months of XXXX and XXXX were differed to the end of my loan. I received a letter of late payment during the month of XXXX, I contacted them directly and asked if everything was fine on my account. They said they couldn't control the automatic letters but not to worry I was enrolled in the program and I was not late on any payment. On XX/XX/XXXX, I was charged {$240.00} ( My regular monthly payment ) as if we were back on track yet I continued receiving late payment mail. I contacted them multiple times regarding this matter, every time I was told my account was up to date. My credit was ranging the 700 's when I suddenly experienced a drop to the 500 's. I started receiving email 's from other credit lines informing me they had decreased my credit limit due to a delinquent account I had. I contacted Discover immediately, they told me " We apologize, we don't know how this occurred. We'll fix it right away. '' This exact same conversation I have had it with 4 different representatives yet nothing has been fixed. It's been 6 months. Discover has damaged my credit score, credit history, and my opportunity to use my credit during this time period yet they don't seem concerned or have any intention on resolving the matter. I have even spoken to supervisors and managers, same information was told, same results were given.

Company response to consumer: Closed with explanation