vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for A Capital One for myself and my son ; I'm his XXXX. I was approved for {$1000.00} & my son was approved for {$3000.00}. Since ; he did not have debts in his credit reporting. On XX/XX/20 I called Capital One and verified the promotional date for charges with no interest until XXXX. XXXX verified that my promo expiration date is XXXX. I verified again on XX/XX/20 at XXXX XXXX with XXXX for promo expiration date and said it was XXXX. At XXXX I emailed officials but received no response. Capital initially issued a Capital One Platinum Master card. But then, without our request, Capital One reissued a Capital One and changed it to QuickSilver Master Card in the name of my son, XXXX XXXX. I'm his XXXX, have XXXX XXXX XXXX and his payee. His current XXXX Statement Interest charge was billed for {$39.00}. No interest was charged in XXXX When we were in the middle of purchasing a house ; I was trying to get him credit to qualify us for a house purchase in which we moved into 3 months ago.

I know he's in a promotional no interest plan until XXXX like I am with my QuickSilver Visa in the name if XXXX XXXX . I'm still on a promotion period and I applied for them at the same time. They need to honor their promotion for him ; just because they reissued and rename his card does not mean they should terminate the promotion without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: TX

Complaint narrative:
Opened the Citi Thank You Premier credit card in XXXX under a promotional offer which offers 60,000 points upon account opening and spending {$4000.00} in 3 months. Chatted with agents online but were given false info on my spend amount and how much more I needed by what date. I called in late XXXX XXXX and talked to a supervisor and he agreed that it's Citi 's fault in providing lackluster customer service that I have met all the requirement for the bonus, but since the promotion date has lapse, he'd have to open a ticket to get an approval to credit me the points. Fast forward 2.5months, I called about 3-4 times and chatted online 2-3 times and still no resolution. I'm tired being lied to and wish Citi can just do the right thing.

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 2020-02-14 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
I am existing customer with Bank of America. I called and asked if they could give me 0 % balance transfer from a XXXX Card. They said I would need to apply for a new card. I did and was approved for Card # 2 for  {$5000.00}. I called a week later to give them the account I wanted to pat off ( XXXX ). Then then told me they could waive the 3 % fee if I got yet another card ( # 3 ) They said they would blend the 2 new cards into one. Today, I received a notice that I was denied credit on Card # 3, my credit score was lowered 30 points, and if I had a problem I should contact XXXX. XXXX only has automated calls with 2 options : get a report or get a score. I called BOA back and have been sent through 4 people. One told me I shouldnt have opened cards # 2 and # 3, which they  recommended. 
I want my credit restored.

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 2020-02-14 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: NY

Complaint narrative:
THE ACCOUNTS THAT ARE BEING DISPUTED WERE NOT AUTHORIZED BY ME. I AM NOT LIABLE TO THOSE ACCOUNTS LISTED. IT HAS BEEN BROUGHT TO MY KNOWLEDGE THAT THOSE ACCOUNTS HAS BEEN REPORTING NEGATIVELY ON MY CREDIT FOR QUITE SOME TIMES AND I HAD NO IDEA HOW THIS HAPPEN. PLEASE IF THERES AN INVESTIGATION THAT CAN BE DONE TO HAVE THOSE REMOVE OFF MY CREDIT, PLEASE HAVE IT DONE TO CLEAR MY REPORT OF INACCURATE ACCOUNTS.

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 2020-02-14 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: NY

Complaint narrative:
THE ACCOUNTS THAT ARE BEING DISPUTED WERE NOT AUTHORIZED BY ME. I AM NOT LIABLE TO THOSE ACCOUNTS LISTED. IT HAS BEEN BROUGHT TO MY KNOWLEDGE THAT THOSE ACCOUNTS HAS BEEN REPORTING NEGATIVELY ON MY CREDIT FOR QUITE SOME TIMES AND I HAD NO IDEA HOW THIS HAPPEN. PLEASE IF THERES AN INVESTIGATION THAT CAN BE DONE TO HAVE THOSE REMOVE OFF MY CREDIT, PLEASE HAVE IT DONE TO CLEAR MY REPORT OF INACCURATE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I was notified that a credit card account was opened under my name. I immediately contacted Wells Fargo and was told they would do an investigation. Over a month has gone by and my credit report is still reporting an open account from an address I do not recognize. Wells Fargo has sent me a regular card statement but has not contacted me to give me an update and has not told me whether the card is closed. I am concerned this is on my credit reports and that it may be used for fraudulent purposes

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 2020-02-14 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: WHEELS FINANCIAL GROUP, LLC.
State: AZ

Complaint narrative:
This account is closed, yet the company keeps posting late payments every month to XXXX  and other reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I was declined for credit due to a freeze I had placed on my credit last year. 
Using Experian 's website I attempted to remove the freeze in order for the creditor to access my credit history. For more than 10 days the website states : " We're experiencing technical difficulties and can not access your report at this time. 
Please try again later. 
XXXX Mon - Fri : XXXX - XXXX '' I have sent a letter to Experian asking them to contact me regarding this issue with no response. I'm sending a second letter today XX/XX//2020 requesting the same.

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 2020-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I sent Midland Credit management a letter for request of Validation the week of XXXX/XXXX/219, after they called me. I never received a response, and sense then i have received numerous calls a day, and they keep using different number. I have over 20 phone number they have used to contact me now blocked on my phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I sent XXXX XXXX XXXX a letter for request of Validation the week of XXXX/XXXX/219, after they called me. I never received a response, and sense then i have received numerous calls a day, and they keep using different number. I have over 20 phone number they have used to contact me now blocked on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I am requesting your help with this matter since I do not know what else to do to resolve an unfair issue with my credit. I have been a victim of fraud and had fraud charges on my account. I did not benefit or have any knowledge of these charges. I tried to solve this issue with SANTANDER CONSUMER USA by sending a letter ( XX/XX/XXXX ) requesting this FRAUDULENT ITEM to be removed. They did not investigate nor respond and also did Not even mark the account on my Credit Report as disputed. This is a violation according to the FCRA. This has caused lot of inconveniences. Please help me get my credit freedom back. I am requesting the following company to remove this fraudulent item from my credit report and also a DELETION LETTER. I will not hesitate taking this case to court if they do not remove this negative mark. SANTANDER CONSUMER USA XXXX. Date Opened XX/XX/XXXX. Original Balance {$10000.00}. Balance {$0.00}. Closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Attached is a dispute response from Transunion. 

It is inaccurate because I paid the child support arrears in XXXX of XXXX and the Court then dismissed the motion that had been filed. Of course, child support continued to accrue an a monthly basis, but after XXXX it was always paid in a timely manner. Therefore the notation that " Date paid : XX/XX/XXXX '' is deceptive. You will note that the rating is " OK '' ongoingly from XX/XX/XXXX through the closing of the account. There is no reason that this should be on my record through XXXX. 

Please note that Transunion 's own dispute response acknowledges that the account status was " OK '' as of XX/XX/XXXX. 

Thanks ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 explanation
Consumer complaint received 2020-02-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: AES/PHEAA
State: MD

Complaint narrative:
I hired XXXX XXXX to act on my behalf to submit an application of Forbearance with FedLoan Servicing. 
I was told that there was a mix-up with my social security number and that Fedloan Serving was responsible for the mistake. 
I was instructed that the mistake would be corrected and NOT to make any payments. Any negative activity would be deleted once the social security number was corrected. 

I have tried several times to have this 90 day late remark removed from my credit reports, but Fedloan Servicing refuses to do so. 

I have been denied credit because of this mistake which was no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I ran my credit and found an error in my credit report I filed a dispute in the beginning of XXXX. Stating that the information is incorrect there is a wrong address for the said collection charge off of XXXX XXXX   XXXX XXXX XXXX. I sent a letter however the address that they have on my credit report and it is incorrect. So the letter was not deliverable. I have a stamp copy from the United States postal service indicating the address is not a good address. Also they do not have any account numbers and other information. They have multiple incorrect items on my credit report. I also sent a copy of the validation letter in that envelope two trans union. And I have copies of the stamped envelope that was addressed back to me By the United States. Post office. Trans Union still refuses to remove this incorrect item. Please help. They must remove this off my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX this address is incorrect. How can I send them a letter to validate this issue if they put the wrong address on the credit report. Again they are missing the account number the correct address and many other things they must remove this out of my credit report. How can I send them a validation letter, if the address is not deliverable.

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 2020-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I made my XXXX payment 1 day late, but intime to make my statement. when i got that bill it should {$0.00} balance and {$35.00} in interest. I sent them a letter to there i think you made a mistake address on the back of there bill with a check for {$35.00}. telling them they were crooks and to close my account. they sent me two letters in response neither of which addressed my complaint about them charging me the {$35.00} when the check to pay ifull actually post to the statement. 
1. said i mailed my payment to the wrong address.

2. said that i owed no more money on the account yet today i get a bill for {$2.00} minimum interest charge. I demand a full and complete investigation and that you order them to not only credit the {$2.00} they are billing me but to also send me a refund check for the {$34.00} in interest they charged me in error. I opened this account VIA the US mail per federal regulation the payment is supposed to be credit on the day the envelope was post marked and i mailed my payment before the due date and they are penalizing me for the US Post Office being slow.

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 2020-02-14 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because some one had already filed under my social security number. I called IRS and to figure out what needed to be done. I then pulled my credit report to see what all has been opened under my name if there was any. There was an outrageous amount of items that I am not familiar with. Please remove these items from my report. 

XXXX XXXX {$2900.00} XXXX XXXX XXXX {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I am existing customer with XXXX XXXX XXXX. I called and asked if they could give me 0 % balance transfer from a XXXX XXXX. They said I would need to apply for a new card. I did and was approved for Card # 2 for {$5000.00}. I called a week later to give them the account I wanted to pat off ( XXXX ). Then then told me they could waive the 3 % fee if I got yet another card ( # 3 ) They said they would blend the 2 new cards into one. Today, I received a notice that I was denied credit on Card # 3, my credit score was lowered 30  points, and if I had a problem I should contact Experian. Experian only has automated calls with 2 options : get a report or get a score. I called XXXX back and have been sent through 4 people. One told me I shouldnt have opened cards # 2 and # 3, which they  recommended. 
I want my credit restored.

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 2020-02-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Creditor was notified on XX/XX/XXXX in writing that a {$60.00} store credit for a purchase was not reflected on statement issued for close date XX/XX/XXXX and thereby the total balance due was in dispute. Creditor issued a partial credit of {$69.00} as reflected on statement issued for close date XX/XX/XXXX in lieu of {$98.00}, the total amount creditable inclusive of the interest and fees charged during the resolution process. Creditor did not provide written or verbal explanation for not crediting the full amount due {$98.00} as required. Creditor made clear that it does not intend to credit the remaining interest/fees of {$29.00} when it resumed charging interest on that remainder after making partial correction and refused to respond to subsequent written notices ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), to questions when contacted by phone, and to messages submitted online. 
As of statement close date XX/XX/XXXX, creditor has charged an additional {$17.00} on the {$29.00} amount that was excluded from the credit adjustment calculation for a current total of {$47.00} in interest and fees that I have no obligation to pay as I understand current law. Last written communication dated XX/XX/XXXX again reminded creditor of its legal obligation to address. Note, purchases are typically paid in full by the date due to avoid interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-14 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: GA

Complaint narrative:
I lost my wallet some years ago, after this incident I have been getting bills and letter from different places, that's when I started to become suspicious about my identify been stolen, finally I check my credit an found a numbers of accounts that I don't recognize, so I'd Like to report this event and ask for your help to remove these fraudulent accounts from 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