vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-28 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: CA

Complaint narrative:
I applied for a Citi XXXX Card in XX/XX/2019 ( don't remember exact date ) with a promotional offer to spend {$4000.00} in first 90 days and receive XXXX reward points. Initial card was never received ( sent via USPS ). I called to report that it wasn't received after about 3 weeks. A new card was issued with assurances that the promotional 90 day period didn't start until the card is activated. I asked at the time for them to send me the card via expedited service to guarantee delivery, they would not. 

I never received the 2nd card. After about 3 weeks I called back and was told to wait a bit longer. I called back within a week or 2 and told them to just cancel the card as there was obviously some issue with their delivery capabilities and I was uncomfortable with a credit card being lost in the mail again. The rep on the phone would not let me cancel my card, elevated my issue to someone more senior, who essentially convinced me to not cancel ; told me he would expedite the card to me and promised that the promotional period for rewards wouldn't start until activation. 

The first recorded transaction on the card was XX/XX/XXXX - I am certain I used the card within a day or 2 of receiving. At this point ( XX/XX/2019 ) I have spent and repaid well over {$4000.00} in the first 90 days ( I never carry a revolving balance on my cards ) and have been told by Citi that my promotional period ended XX/XX/XXXX ( driven presumably by my initial application/approval date ) and that I did not qualify for the bonus. 

I feel like Citi lacks cohesion in their customer service and this feels relatively predatory to me. They wouldn't let me cancel in hopes that I would rack up a large bill and still failed/refused to honor their promotion after the many assurances I received. What's more, they never offer case numbers or dispute numbers that you can reference for future calls, so it's impossible to tell if there's any record of the customer service events that have occurred. 

I have also spent a very long time on the phone with various agents throughout the course of the issues with my cards and that is very frustrating. CITI does not have an email address through which I can produce a written record of the complaint, and there are no inbound numbers to call other than 1st line customer service.

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 2019-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have been disputing negative things off my credit. The credit bureau removes it and place it back on my credit and that is hurting my credit debt that doesnt belongs to me. What should I do? I have send the credit bureau police reports fraud paper work

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: MA

Complaint narrative:
A debt from a utility company showed up on my report. After XXXX the company it appears to be a utility company down south. I live in Massachusetts and have been at my current address in Massachusetts for 4 years. I have never lived down south and get state assistance in Massachusetts. I disputed this information and they told me its accurate and it stayed on my report. I have never had any utility services with XXXX XXXX XXXX ( XXXX XXXX XXXX ). XXXX has removed the information from my report but XXXX and experian have not.

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 2019-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Credit and Collection Service, Inc.
State: OR

Complaint narrative:
In XX/XX/XXXX, I received a CPAP machine for XXXX XXXX from XXXX XXXX XXXX XXXX in XXXX XXXX. I was XXXX. They told me my insurance would pay for the machine for a year and then I would own it. They did not tell me they don't take XXXX. They knew I was going to XXXX XXXX for several months for ecclesiastical classes.They knew my XXXX birthday was in two months. After my XXXX birthday in XXXX, and knowing I was then in XXXX XXXX, XXXX XXXX informed me that they don't take XXXX. They demanded the machine back or payment in full. I said I would return it when I returned to my home in XXXX   but was required by my church to stay in XXXX XXXX until my classes were done. XXXX XXXX is a life threatening condition so I could not return the machine without being able to replace it ( and finding an XXXX and then replacing it temporarily in XXXX XXXX would have been very difficult and would have taken me away from my classes. ) When I returned to XXXX, I attempted to return the machine to XXXX XXXX but they had already sold the debt to Capital Credit in XXXX Oregon. I received no letters from Capital Credit. In early XXXX, a Capital Credit representative called me. I explained the situation. She said she would note this for my file and would contact XXXX XXXX. I told her I still had the machine, it was in good condition and I could return it. ( I had obtained a new XXXX machine from a supplier In XXXX that does take XXXX. ) After this phone call, I received nothing from Capital Credit ; no letters or phone calls. In late XXXX, I found a collection report from Capital Credit at XXXX and XXXX. I disputed it.. In XX/XX/XXXX, Capital Credit sent me a letter saying they were enclosing the documentation I had requested and the amount had increased by {$790.00} to {$2000.00}. I had not requested documentation, I had disputed the debt. I called Capital Credit several times and left messages but no one ever called me back. And they sent no further collection letters or calls since that one in XXXX and it is now XX/XX/XXXX. I still have the machine. It is in good condition and could be returned to XXXX XXXX. I am a minister in my church and I have no other credit collection reports at the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XXXX Paypal/XXXX  submitted and approved an unauthorized charge to my bank account, not my Paypal account. This transaction was in no way authorized by me. The amount should have come from Paypal not our bank account. XXXX is using this means in order to collect the Paypal fees for the transaction. It appears to be fraud on a massive scale as many other users online report similar issues. I sold an item on XXXX, the buyer asked for a refund, and then never returned the product. XXXX then took the money from my bank account. So now I'm out the XXXX fees, the shipping costs, and the item. I would open a criminal inquiry if I could.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28 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: MA

Complaint narrative:
A debt from a utility company showed up on my report. After XXXX  the company it appears to be a utility company down south. I live in Massachusetts and have been at my current address in Massachusetts for 4 years. I have never lived down south and get state assistance in Massachusetts. I disputed this information and they told me its accurate and it stayed on my report. I have never had any utility services with XXXX XXXX XXXX  ( XXXX XXXX XXXX  ). XXXX has removed the information from my report but equifax and XXXX  have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2019 I was at the Old Navy store located in XXXX CA. I told the employee that I want to use my GAP credit card and I do not have my card, so she can look me up and use my rewards too- that is what I do when I do not have my card on me. 
She asked me if my card has a chip, and I replied that I do not recall. She told me that I can request a card with a chip and I will get promotional discounts. It seemed fair and I was happy. She had me enter my SS, which I always do if I do not have my card, and after a few minutes, she handed me my receipt and told me that I got all the discounts and I will get my card in the mail soon. 
I have received an OLD NAVY credit card!!!!! I never wanted to open a card with the store. I already have my GAP card, why would I open another store credit card? 
My credit score has been affected by opening that card while I was trying to work on my credit to get a new job. 
I called the company ( OLD NAVY ) and explained the situation and the representative was very nonchalant and did not show any sympathy towards my case. I was very upset and asked him to close my account and that what he did without an apology, although he totally advised me to pay my balance! 
I felt manipulated and misled. I am complaining because I am very concern about my credit and very responsible the way I use it. 

Sincerely, 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 explanation
Consumer complaint received 2019-06-28 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: NY

Complaint narrative:
These was not my inquiries. XXXX/XXXX XXXX address id XXXX date XX/XX/XXXX .XXXX/XXXX/XXXX  address id XXXX date XX/XX/XXXX XXXX   XXXX address id XXXX date XX/XX/XXXX XXXX XXXX XXXX address id XXXX date XX/XX/XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX address XXXX date XX/XX/XXXX and XX/XX/XXXX 2 XXXX XXXX address XXXX XX/XX/XXXX and XX/XX/XXXX also my name is XXXX XXXX XXXX i never put my full middle name on any applications they got one saying my name is XXXX XXXX name id # 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 2019-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Collection Systems, Inc.
State: CO

Complaint narrative:
I feel like the company extorted/extorting me to make payments without any proof of this debt. Not only that, but the company has been reporting negatively on my credit report. Despite the fact that I made payments on this account they have not indicated that I have ever made any payments on this loan they claim I owe. I tried multiple times to solve this issue and was ignored or giving false information. When I called the office to resolve the issue like ( XXXX XXXX ) told me to do, she then told me I didnt qualify what she offered in the email. 
They refuse to remove the remarks off my credit report. 
Also, I wasnt attending XXXX XXXX University so I dont feel I owe this. 
I was in XXXX XXXX, MO attending XXXX XXXX training for nine and a half weeks to become a XXXX XXXX for XXXX XXXX. 
There is no way I could be attending school in Colorado while in Mo. 
Company had NEVER sent me in documents in regards to this. They claim they sent me a letter they never sent. Also in the attachment they claim to have mailed to my address in my previous complaint ( which is absolutely false ) says Dear Mr.XXXX ... I am not a mr . 

I have attached pictures of the emails with us, proof of employment at XXXX XXXX, and my certification to show I wasnt attending school.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: FL

Complaint narrative:
THE NEGATIVE ACCOUNTS DISPUTED DOES NOT BELNG TO ME, I DID NOT AUTHORIZE THOSE ACCOUNTS ON MY CREDIT REPORT. PLEASE REINVESTIGATE YOUR REPORTING INACCURACIES AND HAVE THOSE ACCOUNTS REMOVE.

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 2019-06-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: NE

Complaint narrative:
I was charged {$380.00} by a hotel around XX/XX/2019. I did not authorize the charge and wasnt even at that hotel on the XXXX. I talked to manager at location. I sent a letter and an email asking them to review their statement and correct the error. There was no response to my effort. I filed a dispute short time after. It is now at 90 days since filed amd there has been no settlement or judgement made. It is nearly impossible to contact the bank DIRECT EXPRESS and when I do get them its put on hold and switched to differemt department

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-28 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:
On XX/XX/XXXX, I file a police report with XXXX Police Department. I also file a report with the FTC in reference to the following accounts listed in this report. I was told by Equifax Credit reporting agencies that any information contain in the identity theft report would be block per Fair Credit Reporting Act. As it pertain to theft incident, however as I review my latest report with Equifax I notice the underlying accounts was removed and is now showing again as of XX/XX/XXXX. I am disappointed in how Equifax has handled my file. I am reaching out to the CFPB in order to finally clear my name. I do not deserve to have information that does not belong to me showing on my credit file fraudulently. I have been a victim of identity theft and deserve to be treated as such!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of James R. Vaughan, P.C.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I came home to a lawsuit for over {$2000.00} taped to my front door filed by XXXX XXXX XXXX XXXX. on behalf of an apartment complex, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX Apartments, where I lived for 4 months in XX/XX/XXXX, 3 years ago. I am told I have 20 days from that date to respond. I was constructively evicted due to their unresolved problems and unsanitary conditions of infestation of mice, scorpions and roaches. 

Today, XX/XX/XXXX, in review of my credit report I received in the mail, the XXXX XXXX XXXX debt collection agency has ran my SSN without my permission gaining access to my credit report on 2 different occasions, XX/XX/XXXX & XX/XX/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 explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: AL

Complaint narrative:
Pro Collect placed a collection on my account and has not responded to my attempts to get them to prove that the debt is mine. Nor will they remove it from my credit report. 
They just sent me a copy of a final bill as " proof '' of the debt. 

When I called them to try to resolve this issue, the person stated that there was a '' freeze on my account ''. She stated that since I was a " third party '', she could not talk to me. She said I had to email a manager. When I emailed the manager I received a response stating that my debt had to be paid in full. 


If I am a '' third party '', why was the debt placed on my credit report? That alone should be proof that the debt is invalid.

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 2019-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This debt is not mine. I have managed to remove the debt from XXXX and XXXX. However, XXXX  will not allow me to keep disputing the amount. I have tried to tell the company that it is not my debt, but it has become a nightmare.

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 2019-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I opened my XXXX  ( Commenity ) account during the spring o XXXX. I was late on one payment over a year ago and they are consistently decreasing my credit limit. 

I called them the morning of XX/XX/XXXX and asked for a reason and was told that they don't have access to the info and that I need to contact the credit bureau, which made no sense to me. 

Now they have decreased my limit to XXXX and I owe XXXX, so they are reporting that I am over my credit limit This all seemed to start happening after I hired a credit repair company that was recommended to me by XXXX XXXX. 

Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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 am filing this complaint because Experian did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX XXXX ( ORIG CREDITOR : 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 explanation
Consumer complaint received 2019-06-28 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: Credit Plus Inc
State: NY

Complaint narrative:
Called them to ask if they can take some of the inquires off from XXXX XXXX they told me to get in contact with XXXX XXXX i did and i check up with XXXX   they told me they Submit paper work and when i check with them they said they didnt recieve and now XXXX  is not answering my calls

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
I just got one issue resolved with Fay Servicing and called today to make my paynent. I asked why I still could not make a payment online and was told because my loan was at maturity since XXXX! 
I got this as FHA i believe in XXXX and it was a 30 year fixed orginally with XXXX XXXX then to XXXX. 
A few years ago it was bought by XXXX and now Fay. Fay is saying that my loan is a 15 year ballon? and that XXXX modified the loan. I did receive a modification for six months in reduced payments in XXXX or XXXX by XXXX but Fay is saying it was modified in XXXX. 
Furthermore, would I not have received something from someone back on XXXX that said my mortgage loan has reached maturityi have been making my payments and planning my retirement around the 30 year fixed. They are also saying my balance s XXXX how is that even possible with making payments of XXXX.. per month on the original loan amount was XXXX or XXXX How can a company like Fay just say oh by the way.. they have had my losn for over a year. 
I talked to them today and they took ly payment but they said the few are sitting in suspense! I dont even understand. 
Somebody please help me there is just no was a bank would not tell you about your loan. I didnt even know it moved each serving each until i went and msde a payment. 
Ive read all the horror stories with Fay and I am scared of what they have they I do not lnow about.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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 do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! XXXX XXXX  XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX. How did the student loans ended on my credit report? They do not have a place here. 
It could be that this creditor just made a mistake because the loan is in deferment. Please remove the multiple entries on student loan! DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, XXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX

Company response to consumer: Closed with explanation