vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-18 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: AZ

Complaint narrative:
Ivisited capital one website to see their offeres on credit cards they told me to electronically sign to proceed after doing that they told me i was declined. I didnt want to get prequalifiedci just wanted offers they mislead me now my credit score went down 17 points i want it restored

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had a legal name change. As per Experian, I should update my name with all of my creditors. When the creditors update payment information with Experian, my new name would also update. I did just that. Except, when the payment information was provided to Experian, it caused my report to split into two. I now have a credit file under my old name, and another under my new name. I contacted Experian and they opened a case to combine the two credit files into one. The first attempt, on XXXX/XXXX/2019, Experian had me upload my name change order from the courts and told me they would merge the credit files within ' 3 business days. That never happened. I called again on XXXX/XXXX/2019 and was told another ticket had to be opened. They saw the paperwork was submitted, but it was never handled. As of this morning, I found that they did not merge my credit files, but instead moved my accounts off of my old credit file and onto the new XXXXne. This is still leaving me with two credit profiles which is causing issues obtaining new credit, etc. I contacted Experian again today, XX/XX/2019 and was passed around for almost 45 minutes before they finally just hung up on me. I tried to login to my XXXX XXXX membership through Experian, and I see a blank profile ( my old name 's credit file ). I need to get these two credit files merged properly.

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 2019-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Subject : This account is under the XXXX  XXXX XXXX   Program This is to notify you that this account is being processed by the XXXX XXXX XXXX  Program and Ive been instructed to NOT make further monthly payments so that it can be negotiated and processed under the XXXX XXXX   XXXX Program. This is my formal notice that this account # XXXXXXXX for {$1500.00} will be handled by XXXX XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I paid XXXX XXXX XX/XX/19. {$800.00} with credit cards # XXXX to replace siding on my chimney. They didnt replace the siding but cleaned and repainted the old siding which had some rot spots. Repairing the rot wasnt in the contract only replacing it. I tried contacting them several times but no response by cell XXXX and work XXXX which wasnt in service so on XX/XX/19 I filed a complaint with Chase # XXXX. Chase rep XXXX who took the complaint # XXXX and called them while I was on the line before he completed it. I never received the complaint by mail so I called them and found out that it had been closed because of no response from me. XXXX XXXX said that he wasnt contacted until he got the chargeback which was a lie. Chase refiled the complaint # XXXX XXXX and I got the mail within 10 days. I had the XXXX branch manager fax the documents ( cashier check # XXXX XXXX  XXXX XXXX XXXX dated XX/XX/19 and statement of payments on XXXX  XXXX XXXX checking acct. XXXX a rep fax the picture of the new repairs by XXXX XXXX which I had to pay again to replace the siding that XXXX XXXX didnt as requested by manager XXXX in complaint department. My complaint was declined because I was told that it was untimely by a manager named XXXX on XX/XX/19. XXXX requires banks to charge back payments if you didnt get what you paid for and I didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
paid off in full they just keep switching lenders

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 2019-06-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
To Whom It May Concern : Have been a customer of with PurePoint Financial, an online division of MUFG Union Bank. 
I repeatedly complained to various government agencies about their practice to interrupt outgoing transfers to their benefit at expense of the customers. I currently have a 13 months CD with them, opened XX/XX/2019. On XX/XX/2019 between XXXX and XXXX XXXX PST a person identified herself as XXXX ID XXXX manager at PurePoint Financial demanded over the phone as I complained a lot in the past about their fraudulent practices I am to close the CD and transfer the money out or, if I do not do it she stated the bank will close it itself in several days and send me a check, thus keeping the money interest free while I receive the check and transfer it to another institution. It is important to note that they offer lower interest now on the CD compare to what I received, so closing it is to their financial benefit. And she stated the bank will not pay any interest of penalty for itself breaking the CD long before the maturity. 
I clearly stated I DO NOT intend to close the CD and DO NOT give the bank a permission to do that. 
She stated it is irrelevant and hang up on me. 

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 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I recently arrived at a settlement with TD Bank regarding reinstatement of my mortgage account. Throughout the duration of the legal proceedings, I was being charged with " late payments '' on my credit report as well as with a foreclosure mark as well. 

After the settlement, the foreclosure mark was removed but the late payments are still on my account. I was ready to begin paying my mortgage from the beginning of this entire ordeal at the mortgage rate in which we settled on eventually despite the legal proceedings. 

TD bank was solely responsible for not accepting my payments due to inefficiencies on their part and I do not believe that I deserve to be continuously penalized for something I could not control ( ability to make payments ). 

I respectfully demand that all late payments be stricken from my credit report immediately in order to prevent further financial hardship on the consumer. 

Please feel free to contact myself or my attorney if you require any information which you do not already have access to. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian Credit Bureau is unfair to me because what Experian has on my report other companies do such as XXXX and XXXX. I only saw my score when I applied for a secured credit card through XXXX and XXXXXXXX XXXX. My score was XXXX when the banks showed me. I contacted them but I can't never get to a human to talk to me. My score with Experian is 105 less than XXXX and 86 points less than XXXX. Experian takes longer to update positive information on my credit and fast on updating negative information.

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 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reported before regarding my personal information. My name is inaccurate and any account tied to these name are not mine. I'm sure someone has these names, however it was reported inaccurately. 

XXXX XXXX XXXX XXXX This is NOT my name. 

There is a XXXX XXXX # XXXX, which XXXX is the original creditor account tied to XXXX XXXX. XXXX is not mine. I have not had XXXX known as XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Io, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I disputed the validity of 3 accounts being reported to my credit by this company. ( acct # XXXX, acct # XXXX, and acct # XXXX ) I requested validation in writing. This company never responded. I have never received a collection notice from this company advising my rights to dispute. After my 2nd credit report dispute and written letter sent in XX/XX/XXXX demanding them to cease collection efforts and remove their tradeline from my credit due to FCRA violation, they finally responded advising the following : " My company believes the law in question only applies " if the consumer notifies the debt collector in writing within the thirty-day period '' of when the debt collector sends notice of the right to request validation '' The information they sent me was not complete and I feel that I should not have to continue back and forth with them as it has already been 7 months and they have had ample time to respond and provide complete proof of the debt as I had originally requested. I did my due diligence and they did not. 

If they NEVER sent me a letter advising of my right to dispute, how could I be aware? 
I was first notified of this debt when I took the initiative to pull my credit in XX/XX/XXXX. I immediately contacted them and requested validation and gave them 30 days to respond. They failed to respond. I believe this account has frivolous charges on it that I never agreed to and I also do not agree with the services that they claim they are billing me for. They have not provided me with a signed document that states I ever agreed to the fees they claim I owe. 

Their response to me is not a true statement per the FCRA. The law states if they do not validate the debt when requested and within a reasonable time frame, they must remove their tradeline. The FDCPA states if they can not validate the debt then they must stop collection activity and close the account. This company 's opinion of the law doesn't excuse them for not complying with FCRA and FDCPA requirements. I gave them a fair amount of time to respond and they did not bother to respond until 7 months later after another written letter was sent to them threatening further action if they do not remove this from my credit and stop collection activity. I will also be filing a XXXX and attorney general complaint against this company as well as seek legal action for failure to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One prepaid credit card of {$300.00}. Payed off balance and closed account in XXXX, was told refund would be issued after 30 days. Called again at that time, was told after 60 days. Called again at that time, was told check was issued, should arrive in 7-10 days. Called again after that time, was told someone would call me back. Called one week later ( today ), was told no check was ever issued, call after 90 days. The stories and timelines never add up and most of the people I speak have foreign accents. I feel that I am being scammed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANCO POPULAR DE PUERTO RICO
State: TX

Complaint narrative:
I PAID IN 2016 OVER {$20000.00} TO 2 COMPANIES XXXX XXXX AND XXXX XXXX. THESE 2 COMPANIES SCAMMED ME AND THE PAYMENTS WERE DONE BY XXXX. I TRIED TO CONTACT THEM AND THE PHONE NUMBERS ARE NOT IN SERVICE. THERE WAS ANOTHER COMPANY CALLED BANCO AND THEY WERE A PART OF THE SCAM ALSO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: UT

Complaint narrative:
This is a debt that until recently I found out was actually under XXXX XXXX XXXX and was sold to XXXX XXXX in XX/XX/2013. I do not even recognize this debt and have tried numerous times to get this off of my credit report to no avail. I do not owe this debt. This debt is not mine and is not in any way associated with me. Also I noticed that during this period ( XX/XX/2013 ) there was evidence of deceptive credit enrollment practices by XXXX XXXX XXXX and XXXX XXXX of up to {$34.00} XXXX dollars. They are trying to collect on a debt that was probably created by them during a period of their own unlawful practices. 

See : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Two days ago a derogatory item suddenly appeared on my credit report that I have no knowledge of. Today, I was told by the collector that it relates to an alleged XX/XX/2013debt and no backup can be provided. I have no knowledge of this debt, was not contacted and given a chance to dispute the debt ( per FCRA ) and the age of the alleged debt precludes any research on my part. this has wrecked my otherwise perfect credit. 

I also learned this debt was just purchased from someone named XXXX XXXX XXXX and Commonwealth made no attempt to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reported before regarding my personal information. My name is inaccurate and any account tied to these name are not mine. I'm sure someone has these names, however it was reported inaccurately. 

XXXX XXXX XXXX XXXX This is NOT my name. 

There is a XXXX XXXX # XXXX, which XXXX is the original creditor account tied to XXXX XXXX. XXXX is not mine. I have not had XXXX known as 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 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reported before regarding my personal information. My name is inaccurate and any account tied to these name are not mine. I'm sure someone has these names, however it was reported inaccurately. 

XXXX XXXX XXXX XXXX This is NOT my name. 

There is a XXXX XXXX # XXXX, which XXXX is the original creditor account tied to XXXX XXXX. XXXX is not mine. I have not had XXXX known as XXXX XXXX # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have EXPERIAN monitoring. they are also matching me up with cards and when I apply for those cards I get denied and when I called them today and asked to speak to a supervisor I was given the runaround and was given to a lady who and when I asked her if she was a supervisor she would not give me a direct answer when I kept pressing her for the information I needed she kept threatening to hang up on me and telling me that she did not have to give me her supervisor even though I asked numerous times. I pay for this service and I wanted to do was speak to a true supervisor someone who could help me with my issue. I again was not given a supervisor or a person that could answer any of my questions legitimately and when I asked them to help me and give me the supervisor at the main person in charge of that department I was told they do not have to do that which I think is illegal

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 2019-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: AR

Complaint narrative:
XX/XX/2019 i received a phone call from Iberia fraud department asking if i was authorizing a debit of {$49.00} i told XXXX no but on XX/XX/2019 my account was debit for {$49.00} for this amount even tho the card had been cancelled.

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 2019-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
This is a debt that until recently I found out was actually under GE Capital Retail and was sold to Care Credit in 2013. I do not even recognize this debt and have tried numerous times to get this off of my credit report to no avail. I do not owe this debt. This debt is not mine and is not in any way associated with me. Also I noticed that during this period ( 2013 ) there was evidence of deceptive credit enrollment practices by GE Capital Retail and Care Credit of up to {$34.00} XXXX dollars. They are trying to collect on a debt that was probably created by them during a period of their own unlawful practices. 

See : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-ge-carecredit-to-refund-34-1-million-for-deceptive-health-care-credit-card-enrollment/

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 2019-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
This is the same complaint I submitted with XXXX, which was resolved in my favor and removed from my credit report. 

When transferring leases in XXXX, WV, I forgot to change my mail. I transferred my lease to a man named XXXX XXXX who currently resides in XXXX, OH after failing to pay the rent on the lease, leaving me with the bill. 

XXXX XXXX could not get his own family to be his guarantor, so I stupidly became the guarantor. The form requires a social security number. XXXX XXXX used my information to order more credit cards and add charges to them. 

The location of my apartment was at the XXXX on XXXX XXXX in XXXX, WV. They have records of XXXX acquiring my lease and bailing on his duties as a guarantee.

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 2019-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
On XX/XX/2019 Speedy Cash debited my ENTIRE pay check from my account WITHOUT prior warning or notice. 

This money was my rent money. 

I missed 2 payments on the loan, so they took the entire balance without letting me know. 

The amount was {$420.00}

Company response to consumer: Closed with explanation