vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX Under the fair credit reporting act I sent to XXXX, Trans Union, and XXXX  letters requesting to remove. unverified non- account holding inquires. 
the non acount holding inquiries were XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX all of which are unverified accounts. I also requested to have all credit freezes and security alerts removed from my account. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed.

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 2018-12-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: VA

Complaint narrative:
We refinanced our VA loan for the lower interest rate and our loan was sold to Dovenmuehle Mortgage Inc out of XXXX XXXX, IL. I have been calling them for about the last XXXX months every few days with no resolution. I am 100 % XXXX vet and do not pay real estate taxes. I filed the paperwork with Dovenmuehle and they initially acknowledged it, changed my payment and refunded some of my money. A month after that they paid the state an additional XXXX for what they said was a real estate bill ( the state knew nothing about it. ) I called the mortgage company again and they said they would research it, none of their reps can explain or even understand whats going on in my account, they are extremely rude and now my mortgage payment has gone up to more than what it initially was and they are saying I owe them money. I have complained to them numerous times, they wont allow me to speak with a supervisor And their complaint department are the same worthless customer service reps. Also in the process of me complaining they also sent a letter for another customer XXXX and XXXX XXXX in XXXX XXXX, Sc that includes their property address and loan number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I made a purchase on XX/XX/XXXX and I was told by the associate that I would receive 10 % cash back in rewards if I opened a store credit card and made a purchase the same day. This associate told me that it would take up to 30 days to receive the rewards. He walked me through the process step by step. I initiated a chat through a representative and they stated that I would receive the rewards. 30 days later, I did not receive my rewards credit. So I called Best buy and they stated to me that because I did financing, I was not eligible. They told me that I would have to pay the balance in full in order to receive the credit. So I asked them what was the purpose of me doing a hard inquiry on my credit report, take out a credit card and make a purchase just to turn around and pay the bill in full in order to receive the rewards credit? That does not make any sense. So I went through their terms and conditions and I do not see where it explicitly states that you are not eligible for the rewards credit if you are doing financing. So I went back to the store and ask another associate and they stated that you do not have to pay the balance in full in order to get the cash back. I am receiving different stories from different areas. The information that was provided to me was misleading. Why would I take out a credit card just to get rewards credit, if I had to pay the balance in full? This is a deceptive practice that Best Buy is doing to consumers. Also, the store associates needs to be properly informed of how the rewards options work. In addition, I would like to see where in your terms and conditions it states that if you choose financing, you are not eligible for the credit. The purpose of a credit card is for financing. Why would someone risk a hard inquiry on their report, if they could just pay the balance in full or use a card that has already been established to pay the bill.

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 2018-12-27 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: TX

Complaint narrative:
I have contacted Equifax and XXXX XXXX XXXX XXXX XXXX on numerous occasions, about this issue. As soon as I saw this on my report I notified all bureaus about this activity. I constantly called Equifax and filed dispute to NO avail. Please update your info. reporting inaccurate info. XXXX XXXX has assured me that they are not reporting the inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harvard Collections, LLC
State: NY

Complaint narrative:
The first they called me they asked me for my 4 digit social security and i didnt give it to him. The guy cursed me out, got rude, and threatened that my credit was going to be reported if i dont pay. Then they called my mom and said the same. When she said this isnt his number they said they dont care and they was going to call me untill they got a hold of me. Before that call i caller then 4 times and told them to take me off a do not call list. They are still harassung me and i has to block them. I see they reporter in my credit card reporting but makes no sense. I paid XXXX XXXX everything owed and there telling me that i have to pay them no XXXX XXXX. That makes no sense. Please help me review this these guys are harassing me and my mon and threatenung ne after tellin  the to leave me alone. I told him i know my rights and they still dont care. One more thing they call from different numbers. My mom owne a busineee and they call her there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XXXX XXXX, I called Capital One to advise I would be submitting a payment for {$80.00} to keep my account current. The representative said she would note the account. I paid the {$80.00} and it was credited to my account. Towards the end of XXXX going into XXXX, I got an alert saying on my credit report, that Capital One had reported it 30 days late with a past due amount of {$3.00}. I immediately got on the live chat with someone to advise of the call I made and that the rep did not tell me any different when I said {$80.00}. They did not tell me {$83.00} was the correct amount. Because I would have paid {$3.00} more. The rep on the chat advise he would have it investigated and corrected. I never heard anything from Capital One so I assumed it was corrected. I pulled my credit report again and it was still showing, so I disputed it with all 3 bureau and Capital One is still coming back saying it was 30 days late and this 1 late payment has ruined my credit because they failed to report the account was not 30 days late. Capital One need to contact all credit bureau to advise that the account was not 30 days late as I was not advised to pay {$83.00} when I called to let them know I would be paying {$80.00}. All of this is happening over a {$3.00} discrepancy and misinformation that was given to me. Please have my credit report corrected as soon as possible as I never had any problems with Capital One. I can not believe this has ruined my credit over a so called {$3.00} past due amount when I made the payment for {$80.00} as advised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: NY

Complaint narrative:
On XX/XX/XXXX Under the fair credit reporting act I sent to XXXX, XXXX XXXX, and Equifax letters requesting to remove. unverified non- account holding inquires. 
the non acount holding inquiries were XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX  XXXX XXXX all of which are unverified accounts. I also requested to have all credit freezes and security alerts removed from my account. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
My wife and I have had a Home Equity Line of Credit on our primary residence located at XXXX XXXX XXXX, XXXX XXXX, NJ with Citizens Bank of PA since XX/XX/XXXX. I have received statements from Citizens Bank each month which I track how much I owe and have been able to balance my statement correctly with the information I have until the XX/XX/XXXX statement. See attached statements from XX/XX/XXXX and XX/XX/XXXX. The XX/XX/XXXX statement information ( last months previous balance minus payments plus interest/insurance/fees ) did not add up to the New Total Balance. The New Total Balance was {$50.00} higher than what it should be with no information as to what the {$50.00} discrepancy was on the statement. 
I called the Customer Service phone number several times and spoke with representatives ( each time escalating to the next line in management ), the final conversation with a Customer Service Manager ( XXXX XXXX ) who stated that the {$50.00} was added to our outstanding balance which represented the approximated cost of the Recording Fee ( s ) when the loan is paid off. After much conversation in which I tried to make them understand that the fee had not happened yet they insisted that the {$50.00} fee would remain in the outstanding balance. 
I am financially astute and understand how to check the Daily Periodic Rate as well as the Average Daily Balance which is how the interest charged on the monthly statement and have found that Citizens Bank is charging me for interest on the {$50.00}, which they say is not being done. I dispute this as the Average Daily Balance includes the {$50.00}, so I am being charged interest on a transaction that has not taken place. 
While the {$50.00} incurs a small amount of interest for me, if the total number of accounts that Citizens Bank has possibly done this to adds up to quite a nice amount of money for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: U.S. BANCORP
State: MI

Complaint narrative:
I was promised 0 % apr for 21 months ending XX/XX/2020 After five months of on time payments I accidentally made a payment late by 5 days. 

The late payment was due to their website not working properly. 

I contacted card member services and they agreed to credit me back the late fee. 

Then without notifying me they revoked my promotional period and began to charge me interest. 

I was neither notified over the phone nor was I notified by mail. 

I contacted the both XXXX XXXX and XXXX XXXX XXXX and was given the run around on the phone. 

I was treated very rude. 

I have taken notes on my phone conversations and have the names and dates of those who treated me rude and deceptive. 

I told them that I would call the police and they laughed at me. 

Sincerely, XXXX XXXX  Customer

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 2018-12-27 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
In XX/XX/2018, my XXXX XXXX credit card was charged approximately {$12.00}. On XX/XX/XXXX, I noticed the charged because I received a statement that I was not expecting and I contacted XXXX XXXX to report and dispute the charge. I also contacted XXXX XXXX who could not identify what the charge was for. Because I did not make any purchases with my XXXX XXXX card in XXXX, I assumed this to be an unauthorized charge that would be refunded. 

When I received the next statement, I noticed that the issue had not been resolved, XXXX XXXX   was charging late fees and reporting delinquency to the credit agencies. I called XXXX to check the status of the dispute and resolve the issue. This resulted in several phone calls back and forth between XXXX XXXX and XXXX XXXX. 

In summary, XXXX XXXX  demanded that I pay the disputed amount in order to stop the negative reporting to the credit agencies. They assured me that the money would be refunded if the situation was resolved. 

XXXX XXXX eventually identified the charge as a back-ordered item from a purchase made in XXXX, which was paid in full after I received the statement of the purchase. In addition, I never received the item that was on back-order. On XX/XX/2018, the XXXX XXXX representative told me that they would refund the charge and to expect the credit within 3 business days. 

When I called XXXX XXXX a week later, the XXXX agent told me that it would take 30 days for the credit to appear. 


XXXX XXXX has not issued the refund/credit and XXXX XXXX continues to harass me for payment, threatening me with further action, claiming that I have not responded to them and reporting delinquency to the credit agencies. I am at a loss for how to resolve this situation. 

Thank you for your assistance, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-27 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: FL

Complaint narrative:
In my credit report I have a 30 day late payment report on XX/XX/2017 report by XXXX XXXX /ACCOUNT NUMBER XXXX .... 
The information is incorrect and should be corrected to no late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: IN

Complaint narrative:
The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX  XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX PayPal allowed XXXX ( nurse ) claim # XXXX to charge my PayPal credit account without permission during the act 's of another authorized transaction which three days later after the agreed amount paid of over XXXX dollars the company transpired to extort more money out of and I was unaware of an additional charge made until after 4 days of the company telling my money would be returned. I contacted PayPal and the money was returned but filled for fraud on the {$38.00} but the agent documented the account as not as described. I got a response from PayPal per merchant service render on XXXX XXXX I was told the filling status which limitation corrected to unauthorized within 24 hours a response from PayPal was denied due to many unauthorized transactions from the same merchant that's all on PayPal account. Some however PayPal ALLOWED this merchant to access all of my credit cards listed on PayPal profile. However, PayPal states the merchant never get your credit card info but XXXX was the first to notify PayPal of the fraud then PayPal notified me to check all my accounts listed on PayPal.  XXXX  ( nurseessay ) has a listed business address in Texas however, the address is a residential with a new owner since XXXX. The business is not listed with the Texas Secretary of State or the IRS. The business phone number continues to ring with no answer but, PayPal continues to allow this merchant to use and abuse customers by lying and stealing. PayPal states no third party access my account because the IP address showed to be used by me but, how did the Company steal money using my IP and Log 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 2018-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TN

Complaint narrative:
IC Systems contacted me about a debt for {$380.00} that I don't owe. They call me from spoofed numbers in order to get me to pay for a debt I don't owe.

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 2018-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Klarna AB
State: FL

Complaint narrative:
On XX/XX/2018 I made a purchase on XXXX using a Klarna credit account. This was a 6 month interest fee purchase ( 19.99 % deferred interest ). On my XXXX bill it shows that I needed to pay off {$390.00} by XX/XX/2018 to avoid approximately {$74.00} in deferred interest. I made a payment of {$400.00}, which was more because I how how credit card companies are and will try anything to nickle and dime money from you. Anyways I check my balance the next day and I'm hit with {$74.00} in interest. I contacted XXXX and we went back and forth and they apparently apply the payment differently between promotional and non-promotional purchases. I'm attaching the statement I was sent, but I feel like after reviewing the statement I was sent, it looks pretty deceptive ( visually and in wording ) in their showing of what needed to be paid in order to avoid deferred interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-27 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: IN

Complaint narrative:
The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX  XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX  XXXX

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 2018-12-27 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: FL

Complaint narrative:
In my credit report I have a 30 day late payment report on XX/XX/2017 report by XXXX  XXXX /ACCOUNT NUMBER XXXX .... 
The information is incorrect and should be corrected to no late payment.

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