vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/2019 I cancelled my Amazon Store Card from Synchrony Financial. 

On XX/XX/2019 I noticed that my reward balance at Amazon was no longer there and I contacted Synchrony via livechat. I was told that the rewards were taken away when my account was closed. I asked them if I was informed of that. I was told that it was told to me during the cancellation flow on their website. I asked to see a copy of it and was given this URL ( XXXX XXXX XXXX ). I told them that I was not redirected to that website during the cancellation and in any case, I specifically asked them if it was only in the fine-print previously. 

I then contacted Amazon via phone and they said that Synchrony had taken them away, not Amazon. 

I then contacted Synchrony via phone and was told the same thing, I then asked to speak with a manager because I felt it was unfair to bury this in the fine-print. I then told them that I would file a complaint to the CFPB.

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 2019-06-20 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover Company has been constantly sending me promotions and pre-approvals. I have a good standing credit score and have been getting an insane amount of predatory pre-approvals from the aforementioned company. I have finally decided to give in and apply for their credit card to be denied. While my understanding is that the pre-approvals do not mean guaranteed approvals of lines of credit afterwards, this type of predatory marketing behavior where a company gathers data out of hard credit pulls and markets heavily only to then negatively impact the consumer is a form of undjust enrichment and goes against " in good faith business ''. I have tried reaching out to the company to contact the credit bureas to get the inquiry removed, but they denied so. In the name of the consumer financial protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019 I made a purchase of {$10000.00} for a kitchen remodel with Home Depot and we applied for their credit card with us through Citibank. Citibank automatically put the purchase on 6 months financing. I contacted Citibank inquiring about getting at least a 12 month finance at that time. I was not aware that they should have automatically put it on a 24 month special financing because it was a new card and they never offered it to me. After I found out from my Home Depot consultant we tried to have it extended to the 24 months they should have done originally. Because I had already requested the 12 month Citibank is refusing to extend it to 24 month which they should have done in the first place. They are telling me because I made the request they cant change it again but not taking any responsibility for their mistake. The last person I spoke to was XXXX XXXX in the executive response unit.

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 2019-06-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
the following accounts have been disputed on these dates for these reasons : XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX NA # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX/XXXX # XXXX XXXX XXXX XXXX XXXX  - TOTAL V # XXXX XXXX  XXXX   XXXX XXXX  - XXXX  V # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX YES XXXX XXXX XXXX XXXX LEG # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
the following accounts have been disputed on these dates for these reasons : XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX NA # 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 - TOTAL V # XXXX XXXX XXXX   XXXX XXXX - TOTAL V # XXXX XXXX  XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX YES XXXX XXXX XXXX XXXX LEG # 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 2019-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2019 TransUnion LLC received ( 2 ) letters from me, a letter of dispute for unverified accounts and another letter to update my address. ( evidence attached ) I was informed by mail on XX/XX/2019 that another form of verification was needed to update my address on file. I contacted TransUnion by phone and was advised that my dispute investigation would not be halted however processing the address update would be delayed until certain documents were received. 

The week of XX/XX/2019, I received ( 2 ) dispute results with the issue date of XX/XX/2019. ( 1 ) letter was mailed on XX/XX/2019, the other mailed on XX/XX/2019. I contacted TransUnion and spoke with a XXXX then his superior XXXX regarding this violation. XXXX advised me that the investigation was completed on time and the correspondence was mailed out on XX/XX/XXXX & XX/XX/2019. I inquired with XXXX as to why both sets of communication had the issue date of XX/XX/XXXX if ( 1 ) of the reports were issued on XXXX XXXX. XXXX responded, " We have a different address on file for you than the one you verified at the beginning of the call. '' This doesn't make sense, I received communication from TransUnion once in XX/XX/2019 and twice in XX/XX/2019 at the address I provided. However, the notice they mailed on XX/XX/XXXX was mysteriously sent to a different address? Every document I sent to TransUnion included my name, social, date of birth, and ADDRESS at the top of the document along with an up-to-date license and current bill/bank statement with my address. How could the XX/XX/XXXX mail have possibly gone to a different address? 

After advising XXXX of these facts, she placed me on hold to review the documents sent in. Then, she informed me she could send me the results from XX/XX/XXXX today ( XX/XX/XXXX ). I told her, I already received those results twice, sent XX/XX/XXXX & XXXX ISSUED on XX/XX/2019. She then informed me that those are just copies of my credit report not the results of the investigation. So does that mean, I never really received my results because what I have is just a credit report and not the dispute results? But I thought the updated credit report should reflect the dispute results??? 

Either way as of today, XX/XX/2019 I have yet to receive my official dispute results per the conversation I had with XXXX this morning and TransUnion LLC is in violation of the federal law for non-compliance.

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 2019-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HANCOCK WHITNEY BANK
State: FL

Complaint narrative:
Hancock Whitney is falsely advertising a banking promotion at the following url, https :  //www.hancockwhitney.com/XXXX-XXXX   and in the email they sent to me. They claim that both the checking and money market accounts need to be opened in order to receive the {$500.00} bonus on the phone and in person, yet the website and email leads one to believe that only the checking account needs to be opened in addition to the direct deposit and time requirements to receive the {$500.00}. I opened an account on XX/XX/19 to get this {$500.00} bonus only to be told that the terms are different than advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I was told by Navient that I needed to consolidate my loans and go on forbearance during that process. I was not sure if this was the correct answers and since have been working directly with the Federal Student loan department and now feel that I am finally on the right track to help my family get out from under this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I was in two hospitals back @ XX/XX/2013 with a major XXXX injury. @ that time I was insured with XXXX. 
The ACCOUNT # on this letter is XXXX XXXX Both stating the I owe {$5000.00} each {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: AES/PHEAA
State: IL

Complaint narrative:
I had a remaining balance due to AES that was consolidated with a loan I had with XXXX sent to a collections agency I was contacted by this collections agency XXXX XXXX, I paid XXXX to XXXX XXXX to pay these XXXX XXXX off. I spoke with XXXX XXXX at the company and they were to send documents to both loan holders that the loans are paid off. Only Illinois XXXX XXXX XXXX has remover the default from my credit and shows my payment paid. AES refuses to make any changes on my credit. And they still are trying to collect the same amount now from a different collection agency. This is ridiculous. My name is XXXX XXXX. My SS # is XXXX please help me clear this up with this loan causing problems with my credit scores I have paid this off and they refuse to allow me to pay off this loan. Yet will continue to report it delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
3 DIFFERENT COLLECT AGENCIES ( XXXX, XXXX XXXX, XXXX, PORTFOLIO RECOVERY ) SENT DEMAND NOTICE FOR PAYMENT OF FRAUD ACCOUNT NOT MINES AND NEVER DONE BUSINESS WITH CLIENT " XXXX XXXX '' ..THE ABOVE COMPANIES CONTINUE TO VIOLATE " FDCPA, FCBA AND FCRA ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: WI

Complaint narrative:
I have a previous complaint against this company that is now closed. XXXX. After my last complaint, the company closed both accounts and removed the negative marks form all 3 credit bureau 's. Last week both accounts reappeared on my XXXX  credit report. The amounts are {$120.00}, and {$640.00} for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: The CBE Group, Inc.
State: DE

Complaint narrative:
I have been receiving phone calls with no one on the other line daily from this company CBE group.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: IL

Complaint narrative:
I had a remaining balance due to XXXX that was consolidated with a loan I had with XXXX sent to a collections agency I was contacted by this collections agency Trans Union, I paid XXXX to Trans Union to pay these Theo loans off. I spoke with XXXX XXXX at the company and they were to send documents to both loan holders that the loans are paid off. Only Illinois Student Loan Commission has remover the default from my credit and shows my payment paid. XXXX refuses to make any changes on my credit. And they still are trying to collect the same amount now from a different collection agency. This is ridiculous. My name is XXXX XXXX. My SS # is XXXX please help me clear this up with this loan causing problems with my credit scores I have paid this off and they refuse to allow me to pay off this loan. Yet will continue to report it delinquent.

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 2019-06-20 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: SCA Collections, Inc.
State: SC

Complaint narrative:
The reponse was closed with explanation. There was explanation. Only to contact original debtor but I have No info for them and the debt not mine. Never been to that place. I would validation. Copied id ... Signature picture at the time. The reason for debt. Substantial evidence. The company you work for can get information from anyone who gives it meaning your company not safe. Anybody can walk in and be anybody. I wish to only contact with the company fradulently on my credit report. I need your companies proof. I have no knowledge of debt so why would you still have it there and would like this to be remove at once. I should have to contact any one else other than the company on my credit report. Your reporting for another company who has no knowledge of there own system. I wish this to be remove. Legal action will follow. My first time I complain I asked for validation. Not using that word but in that context for evidence. You gave me forwarding number to people who have no knowledge. After today I will report to XXXX XXXX XXXX. The company you work for and so called original debtor. Nothing shows me that the debt belongs to me.

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 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I went to college and in the middle of going to college I I got XXXX. I had to stop attending college and could not defer my loans anymore due to the fact that I was XXXX after the XXXX. I was found officially XXXX by Social Security, and now I live on XXXX only. I have no way of paying back these loans. I have asked Navient for the dismissal paperwork due to official XXXX many times, but they wont send the papers, and will NOT consider loan forgiveness, and the statute of limitations is OUT from a lot of these loans now, its been 7 years for many of them, and I want them taken off my credit report! 
my private student lender ( Navient ) said I couldn't dismiss the loans I got. I have tried to get the paperwork from Navient, but they wont send it. the statute of limitations ( 7 years ) has run out on a lot of these loans, and they're still on my credit report. I want them removed now. all the credit monitoring sites still have them listed, and I cant find where to dispute the listings. I need help getting these removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the date XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2019-06-20 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: NY

Complaint narrative:
I am a victim of identity theft

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 2019-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
Received a collection letter from Diversified Adjustments dated XX/XX/XXXX. I attempted to call them on every number listed on their collection letter and to no avail, never could reach a representative. I have called each business day since. To my best efforts yesterday the XXXX I called the collection firm 17 times and was transferred each time by the receptionist XXXX, but NEVER did get a rep or a supervisor to answer. Today I started calling at XXXX XXXX and again today I have called 32 times and again each time, the receptionist XXXX answered and transferred me to various different support staffs. Again, to no avail, no one answered. Not once, has anyone answered. I then have taken the steps to contact XXXX also known as XXXX. Trying to resolve a matter that is over 18 months old and XXXX is trying to collect money they are NOT owed. ALL ( XXXX  cell phones, an ipad and XXXX internet boosters ), equipment was returned back in XXXX of XXXX  when we switched our services to a different provider. We consistently get phone calls and collection letters for the same thing when this has already been resolved with XXXX aka XXXX as well as all payments were received by the collection agent XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: First Data Corporation
State: AZ

Complaint narrative:
On XX/XX/2019 by XXXX by XXXX XXXX from XXXX ( a First Data Corporation owned company ). I was contacted about debt which is owed by my employer on XX/XX/2019 I was contacted at XXXX XXXX by XXXX at which time I expressed that I did not wish to be contacted again about this debt, and I asked for all calls to be made to my employer. I also expressed that I did not appreciate being contacted before XXXX. 

on XX/XX/2019 I was sent a text message from XXXX at XXXX XXXX asking for a call back. 

on XX/XX/2019 I was called by XXXX XXXX XXXX, I rejected the call. 
XXXX I was called at by XXXX XXXX XXXX, I rejected the call on XX/XX/2019 I was called at by XXXX XXXX XXXX, I rejected the call. 
on XX/XX/2019 I responded via text to XXXX that I did not wish to be contacted before XXXX. 
on XX/XX/2019 XXXX responded back at XXXX XXXX, " my appologies ; I will make sure not to call before XXXX moving forward. 
on XX/XX/2019 I was called at XXXX XXXX  by XXXX, I rejected the call on XX/XX/2019 I was called at XXXX XXXX by XXXX, I rejected the call on XX/XX/2019 I was called at XXXX XXXX by XXXX, I rejected the call on XX/XX/2019 I was called at XXXX XXXX by XXXX, I rejected the call

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian and XXXX are falsely reporting late payments for XX/XX/2019 on the XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) XXXX did not have a direct customer service telephone number until very recently. At this time, they could only be contacted via email. I sent multiple emails to their representative to change my payment information. I was never contacted, nor were my emails ever acknowledged and nobody ever got back to me. Consequently, because of their lack of communication I was punished with a late payment on my credit report. This incorrect reporting is harming my credit score. Please delete these late payments from my credit report.

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