vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-26 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: CITIBANK, N.A.
State: CA

Complaint narrative:
SEARS/CBNA i opened a Sears CC at XXXX XXXX XXXX, the store clerk entered a wrong address into his computer for my home of record. i went to the XXXX store 3 times to find out why i was not receiving any correspondence or bills. the Store manager said they had no info and to just wait as new accounts took time. they had no info in system so could not tell me what to pay or take my payment and guarantee it would be accounted for to my account properly. 

I was given a number to call, but since i did not have an account number i could not get through computer screening system, after many attempts i finally got through to a person but by then my Credit report showed delinquent. i was able to give them proper address and pay off amount ; their internal system showed all mail sent to me was RTS. 

phone rep said to file appeal through credit reporting agencies which i have done many times with no change. 

most calls were dialed on work phone but i have a snipet of one that was dialed from my phone XX/XX/2018 trying to connect with a Rep

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 2019-04-26 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I was feeling rushed checking out a Target, and the nice teenager checking me out asked if I had a Target card and briefly explained that I could save whatever percent if I signed up for one ; I was buying something expensive, so I tentatively said yes and started signing up. 

I should have known to stop the process when the employee told me that this would be a huge relief to her, as there was a huge amount of pressure being put on them to push the cards from management. The predatory marketing issue here is that this absolutely seems like you're signing up for a loyalty/savings store card ( as is common at store check-outs ) when it is in fact a credit card. Target employees had either poorly trained on explaining how the card works or instructed to be intentionally misleading. I finally stopped when the prompt screens began asking income information and for my social security number, but then my checkout person repeatedly assured me that this would not affect my credit and I would not receive a bill if I just didn't activate the card -- so I went ahead, just trying to get out of line and get a discount, thinking I had paid with my normal credit card I'd swiped. 

I genuinely believe that she just didn't understand how it worked, and we were both in a hurry ; credit cards are serious legal agreements with financial consequences that can follow people and their families forever -- they should not be sold at check-out like pack of gum. A separate counter, at least, where there's someone trained to explain the contract you're entering into would make more sense. 

Anyway, I read the receipt when I got home and called and successfully cancelled the card within 20 minutes of signing up, but I still got a card in the mail, and I am still getting statements, and have been told by Target card representatives that there is " no way '' for them to delete my information from their databases. I have also been alerted by the credit unions that my credit score has gone down as a result of this incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 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: FL

Complaint narrative:
My student loans have been in deferment due to an Income-Driven Repayment plan I am enrolled in. A new application has to be submitted annually in order to have your circumstances reviewed for any changes, and then a decision is made as to whether a person can continue in the plan. I originally submitted my re-certification for Income-Driven Repayment ( IDR ) play on XX/XX/2019 at which time I was unable to upload my filed tax documents via the IRS website ( when filling out the application you are routed to the IRS website in order to retrieve your filed income tax documents to prove your income for the previous year ). I tried several times but continued to have no success ; therefore, I opted to submit my application and tax documents via U.S. mail. I did so the following day, and assumed all was well. Fast-forward to mid-XX/XX/2019 and I received a notification regarding my credit report. At that time I realized my credit score had dropped well over 100 points due to my federal loans being reported as delinquent. My report shows I missed 2 payments, XXXX and XXXX, but that is not accurate as I was supposed to be enrolled in the IDR plan. Additionally, it says I am 120-149 days past due, which is again wrong because 1. I am enrolled in the IDR plan and 2. They are only reporting 2 missed payments, which is 60 days not 120-149. I resubmitted my IDR application on XX/XX/2019, and this time I was able to transfer my tax documents directly from the IRS. I received the approval for my application on XX/XX/2019, and was advised my monthly payments would be {$0.00}. I have submitted a letter to the XXXX XXXX XXXX to ask for the delinquent items to be removed from my credit report as I should have been enrolled in the IDR plan all along. I have not received anything back to date. I am now receiving letters from credit card companies saying my available credit limits are being decreased as a result of these delinquent items. I desperately need these items removed. I have recently updated my contact information with the XXXX XXXX XXXX because I realized they had outdated information. Per my specific IDR plan I do not have a monthly payment as my income is not enough to permit a payment ; therefore, my credit report should not reflect late payments as I do not have monthly payments to even be late on. I would greatly appreciate any assistance in regards to this matter, and hopefully can get the situation resolved before any further irreversible damage is done to my credit. Thank you for your time and consideration.

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 2019-04-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My student loans have been in deferment due to an Income-Driven Repayment plan I am enrolled in. A new application has to be submitted annually in order to have your circumstances reviewed for any changes, and then a decision is made as to whether a person can continue in the plan. I originally submitted my re-certification for Income-Driven Repayment ( IDR ) play on XX/XX/2019 at which time I was unable to upload my filed tax documents via the IRS website ( when filling out the application you are routed to the IRS website in order to retrieve your filed income tax documents to prove your income for the previous year ). I tried several times but continued to have no success ; therefore, I opted to submit my application and tax documents via U.S. mail. I did so the following day, and assumed all was well. Fast-forward to XX/XX/2019 and I received a notification regarding my credit report. At that time I realized my credit score had dropped well over 100 points due to my federal loans being reported as delinquent. My report shows I missed 2 payments, XX/XX/XXXX and XX/XX/XXXX, but that is not accurate as I was supposed to be enrolled in the IDR plan. Additionally, it says I am 120-149 days past due, which is again wrong because 1. I am enrolled in the IDR plan and 2. They are only reporting 2 missed payments, which is 60 days not 120-149. I resubmitted my IDR application on XX/XX/2019, and this time I was able to transfer my tax documents directly from the IRS. I received the approval for my application on XX/XX/2019, and was advised my monthly payments would be {$0.00}. I have submitted a letter to the XXXX XXXX XXXX to ask for the delinquent items to be removed from my credit report as I should have been enrolled in the IDR plan all along. I have not received anything back to date. I am now receiving letters from credit card companies saying my available credit limits are being decreased as a result of these delinquent items. I desperately need these items removed. I have recently updated my contact information with the XXXX XXXX XXXX because I realized they had outdated information. Per my specific IDR plan I do not have a monthly payment as my income is not enough to permit a payment ; therefore, my credit report should not reflect late payments as I do not have monthly payments to even be late on. I would greatly appreciate any assistance in regards to this matter, and hopefully can get the situation resolved before any further irreversible damage is done to my credit. Thank you for your time and consideration.

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 2019-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
Hi I have police report I sent over to credit company they closed the Acct and two days ago I recvied calls and notice in The mail

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX Portfolio Recovery opened a debt collection of {$2100.00} from the original creditor XXXX XXXX XXXX XXXX XXXX. After 2 disputes and saying my dispute was resolved they would not remove this debt that does not belong to me. I asked them to show me information or signature to show the debt was mine. They sent me a a letter stating that any more attempts to dispute this debt will go ignored for it's a valid debt. I shredded the paper cause I thought I was stuck with a debt until someone told me about the cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 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: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
During the government shutdown I was having financial difficulty. I received a letter from the FHA stating they expect lenders to work with consumers, including suspending reporting and removing late fees. I made 1 late mortgage payment in XXXX during this time. Quicken did not report the late payment until XXXX. At that time I reached out to Quicken and asked them to remove the late payment, suspend reporting as expected by the FHA. Their rep XXXX XXXX refused to remove the late and/or suspend reporting for that month because I did not reach out for financial assistance at the time. Quicken did not once send a memo and/or email detailing the help they offered. Quicken did not inform me that they would not follow the FHA memo if I did not call for assistance. I was under the impression they would because my credit reports for XXXX and XXXX did not reflect a late payment. Additionally I spoke to another rep at Quicken which told me in their internal system I do not show as having made a late payment. He directed me to email their helpdesk and ask the discrepancy to be fixed. I followed his instructions. I received an email from XXXX XXXX stating they would not remove the late reported to the CRB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I recieved the email below from wells fargo on XX/XX/2019. I followed up with their teams for the last 3 days asking what the at risk event was. They have refused to disclose it. They went as far to tell me to call visa. Visa informed me that Wells Fargo has the information. I attempted to speak to a manager today. After 2 hours of wating they hung up. If there was a potential privacy breach I have a right to know the nature and details of that breach We have shipped your new Wells Fargo Debit Card ending in XXXX-XXXX-XXXX- We sent you a replacement card as a precautionary measure because your current Wells Fargo Debit Card may be at risk for unauthorized transactions.

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 2019-04-27 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: CITIBANK, N.A.
State: IN

Complaint narrative:
XXXX sent me a " pre-approved '' letter asking me to apply. I currently have a credit card and am in the process of buying a house so normally I throw away all credit offers I recieve. I thought the terms on this particular offer sounded beneficial, so I accepted. Just to be denied. Now I'll have an inquiry that will have a negative impact on me. I feel this is misleading. When I called to discuss this practice I encountered a woman who only read the same letter I already recieved and read myself. I understand they want new business but to the extent of taking advantage of consumers should not be tolerated nor allowed. I doubt I'll find resolution however there should be protection from companies fishing in manners like this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX XXXX XXXX opened a debt collection of {$2100.00} from the original creditor 08 Capital One Bank USA. After 2 disputes and saying my dispute was resolved they would not remove this debt that does not belong to me. I asked them to show me information or signature to show the debt was mine. They sent me a a letter stating that any more attempts to dispute this debt will go ignored for it's a valid debt. I shredded the paper cause I thought I was stuck with a debt until someone told me about the cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Midland Credit Management sent a pre legal notice in the mail. I called to settle my debt, but Midland refused to send any information without me providing my checking account information. I was very concerned with this request so went to there website I was able to set up an account, but not able to submit a payment online. I then called XXXX directly to confirm my debt was sold to Midland Credit Management, XXXX did sell my debt to Midland. I then decided to provide my checking account information with the understanding that I would receive a letter confirming payment will be taken out on XX/XX/19. The payment was pulled from my account on XX/XX/19, when I called requesting confirmation of payment Midland refused then proceeded to tell me to call back and maybe they would be able to help. 

I am more than willing to pay the debt I owe, I'm just very concerned I have been scammed. I dealt with other collection companies in the past and have never had any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE DISPUTED ITEMS HAVE BEEN DISMISSED AND SHOULD NOT HAVE APPEARED ON MY CREDIT REPORT. PLEASE RE-INVESTIGATE AND HAVE THE DEROGATORY ITEM OFF MY CREDIT.

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 2019-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I opened XXXX checking and saving account on XX/XX/XXXX under the promotion of {$400.00} sign on bonus with USD XXXX deposit on combined checking and saving account. 
I met the requirement on XX/XX/XXXX, but still have not received the {$400.00} bonus so far. I have contacted Citi customer service multiple times : On XX/XX/XXXX, I contacted Citi customer representative XXXX, through live chat, he confirmed that I met the sign on bonus requirement on XX/XX/XXXX, and I should receive the bonus 90 days after that. Attached please see my chat history with XXXX On XX/XX/XXXX, I still didnt receive the bonus, I contacted Citi customer service again by phone, was told that the bonus has been entered into the system, and I should receive the bonus in two month on XX/XX/XXXX I still have not received sign on bonus until now.

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 2019-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The reason I am writing to you is to inform you of this company failure to remove fraudulent accounts from my report even after being informed of them. I provided this company detailed letter indicating what accounts were fraudulent, I even attached my FTC report indicating that am a victim of identity fraud. 
But until now, this company is still reporting these fraudulent accounts. Yet another time, Below is the fraudulent accounts that I need to be removed from : XXXX XXXX # XXXX Status Updated XX/XX/XXXX XXXX XXXX # XXXX Status Updated XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX I am attaching the FTC report I sent to this company as proof that 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 explanation
Consumer complaint received 2019-04-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The reason I am writing to you is to inform you of this company failure to remove fraudulent accounts from my report even after being informed of them. I provided this company detailed letter indicating what accounts were fraudulent, I even attached my FTC report indicating that am a victim of identity fraud. 
But until now, this company is still reporting these fraudulent accounts. Yet another time, Below is the fraudulent accounts that I need to be removed from : XXXX ACC # XXXX- Status Updated XX/XX/XXXX XXXX ACC # XXXX Status Updated XX/XX/XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX I am attaching the FTC report I sent to this  company as proof that 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 2019-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: MO

Complaint narrative:
Hello, On XX/XX/2019 unauthorized charges were made on my NetSpend prepaid debit card account totaling XXXX. These charges were made in XXXX XXXX, FL and I live in XXXX, Mo. I disputed these charges with NetSpend and was informed to contact them today XX/XX/2019 for provisional credit. As advised I contacted them today and found out that they are holding me liable for these charges because my account shows that it's set up with text and email alerts. I informed them that I only get deposit information to my phone, however I do not get information when charges are made on my card. The email address they send alerts to is one that I don't have access to and haven't in years. I am desperate because this was all the money I had in my account and they are refusing to give it back to me. They didn't apply a provisional credit to continue the investigation and have closed the dispute. I am fighting for my funds back because I was in XXXX XXXX while this person was charging my card and when my card was locked, I tried calling them but their line was closed. I had no choice but to wait until the next morning to dispute. Please help 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