vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-03 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I set up an account with sleep number because the salesman who sold me the bed told me EVERYTHING i bought was at zero percent for two years. I got my first statement from Synchrony and everything showed 0 %, in XXXX they sent me another statement which suddenly reflected a XXXX purchase not at 0 % which doesn't even make sense because why wouldn't that have been on the XXXX statement? Regardless, this account was clearly sold as 0 % interest for all purchases at sleep number for two years. If you review the statements you can see no interest on any purchases and then you see in XXXX an arbitrary ( it doesn't even match a purchase amount ) moved to being charged interest. 

Synchrony refuses to fix this and continues to direct me to the store, the store gives me the run around and claims that they have no knowledge of why Synchrony would be referring me to them. Incredibly shady!

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 2019-01-03 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is my complaint about Wells Fargo ( WF ) Earn More Mall Reward Program. 

In XXXX, I receive 50 % cash back offers from WF,  stating that I could receive 50 % cash back if I use my credit card at XXXX XXXX ( cap at {$100.00} cash back ) and XXXX   ( cap at {$70.00} cash back ) in store. AFTER enrolled in the offers from WF online banking system ( screenshot that shows my enrollment is saved ), I met the requirement mentioned in both store on XX/XX/2018 and expected {$170.00} for my purchases from XXXX XXXX and XXXX 

However, I did not receive {$170.00} from WF after a month. Therefore, I tried to contact WF to create a case for investigation. After the case was escalated to the executive office, Mr. XXXX XXXX has reviewed my case ( case # XXXX ) and contacted me. It sounded to me that WF doesn't recognize my enrollment from the system, therefore, can't issue the cash back. I provided my screenshot twice to WF, but they still couldn't honor me the cash back. I should be receiving what I was offered, and clearly, this problem is caused by their system glitches.

I would not recommend people use WF Earn More Mall offers based on my experience.

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 2019-01-03 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: Innovis
State: CA

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the XXXX Report XXXX, you are required to comply. My name is XXXX XXXX. My current employer is XXXX XXXX XXXX. There are addresses and information that is not accurate : XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: ID Analytics, Inc.
State: CA

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act,  you are required to comply. My name is XXXX XXXX. My current employer is XXXX XXXX XXXX. There are addresses and information that is not accurate : XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA 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 2019-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
Overton , Russell , Doerr and Donovan , LLP States that they can add interest to my debt simply because a judgment has been made on that debt. They have been charging me interest on the debt since 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Wal-Mart credit services refuses to increase the credit limit after all payments have been paid on time and more than the required payment was been given each month.

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 2019-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX is reporting a debt on my credit file I do not owe. I have never received any phone calls or anything in the mail regarding this debt. I can not verify this debt, and I am not sure why this debt has been added to my credit file. This is in clear VIOLATION of my 30 days right to dispute.

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 2019-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Dept of Ed/Nelnet violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm XXXX got the loan before me getting XXXX for 7 years o have sent award letters and or off I'm XXXX and it still is on my credit report I followed every thing to a T! And still get calls to repay I sent everything they wanted for my XXXX why is it still listed I don't get much every no from XXXX  I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: MA

Complaint narrative:
The XXXX XXXX XXXX  does not give me my refund and they did not resolve my issue as of today .they sold lies to me, They charged me based of misleading information given by their agent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
The Collection Bureau of America ( CBA ) incorrectly assigned or tagged me with another person 's debt from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) of {$100.00}. The person 's outstanding account ( XXXX XXXX ) is not me and I do not have the same name and never have lived at the XXXX ( California ) address where the debt occurred. The account was not tied to my social security number when XXXX XXXX XXXX gave the collection agency this debt. The CBA collection agency tricked me into giving them my social security number and mailing address as well as other information so that they could send me a " fraud package '' however, instead they incorrectly sent me a bill saying that they have identified me as " the correct consumer for this account ''. After numerous times calling CBA, they requested me to call XXXX XXXX XXXX to resolve the issue. XXXX XXXX XXXX has cleared it on their end. CBA still refuses to allow me to resolve this issue and send me a fraud package. I have asked multiple times and they keep telling me to call XXXX XXXX XXXX. XXXX XXXX XXXX has stated that this account is not for me and they have not tied me with this account that CBA has tied with my SSN. I have spent numerous hours in XX/XX/XXXX and XX/XX/XXXX trying to clear this confusion. I have talked to XXXX XXXX at CBA approximately 5 or 6 times and he refuses to connect me to his " supervisor '' and keeps putting me on hold. He refuses to send me a fraud package or put me through to anyone else at CBA. I suspect that he doesn't have a supervisor, hence, getting frustrated talking to me and rudely putting me on hold while I am in the middle of a sentence. I have not been able to talk to anyone else at this company. This collection agency has fraudulently taken my social security number and used it for this other person 's account. This has significantly affected my near-perfect credit score and has caused me to spend an unnecessary huge amount of time and effort to fix a mistake that is not even mine, that CBA has made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My car got totalled. The loan was paid in full except {$1000.00} They closed the account XX/XX/2018. It shows as a chargeoff account however it still shows a balance of {$1200.00} and I am being reported late each month

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My car got totalled. The loan was paid in full except {$1000.00} They closed the account XX/XX/2018. It shows as a chargeoff account however it still shows a balance of {$1200.00} and I am being reported late each month

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 2019-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
RUSHMORE STATES THAT THEY RESPONDED TO NUMEROUS COMPLAINTS THEY FAIL TO MENTION THAT THEY JUST PICK AND CHOOSE WHICH PARTS OF THE COMPLAINT THEY ADDRESS 1 ) THEY SOLD MY HOME FOR {$100.00} TO XXXX XXXX APPRAISAL IS OVER {$350000.00} AMOUNT OWED IS BETWEEN {$220000.00} AND {$260000.00} 2 ) THEY SENT PAYOFF LETTER THE DAY OF THE SALE AND STATED IT WAS GOOD UNTIL XX/XX/2018. WHEN I CALLED REGARDING THE LETTER BEFORE XX/XX/2018 THEY STATED SORRY HOUSE IS SOLD LETTER IS IRRELEVANT 3 ) ALL PAPERWORK WAS NEVER SERVED ON XXXX XXXX ( LACK OF JURISDICTION ) 4 ) PAYOFF AMOUNTS ARE NOT THE SAME ON ANY PAPERWORK LAWYERS HAVE ONE AMOUNT RUSHMORE ANOTHER AND THEY DISREGARDED ALL REQUESTS TO EXPLAIN 5 ) THE MODIFICATION PAPERWORK WAS IRRELEVANT AND A JOKE THAT THEY OFFERED IT BECAUSE AS STATED IN THEIR OWN LETTER THEY DO NOT OFFER MODIFICATIONS FOR HOMES AS DELINQUENT AS MINE ANY MODIFICATION OFFER WAS FRAUDULENT BECAUSE THEY KNEW THEY WERE NOT GOING TO ACCEPT IT. 

6 ) ALL ASSIGNMENTS ON THE MORTGAGES ARE FRAUDULENT. THEIR OWN ATTORNEY STATES IN CORRESPONDENCE THEY DO NOT EVEN KNOW WHERE THE NOTE IS. 

HOMEOWNERS NEED TO LOOK AT THE REFEREE DEEDS AFTER THE SALES TO SEE WHAT THEIR HOMES ARE BEING SOLD FOR

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2018, I am not sure how this happened, I believe I made my payments to you on time 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 2019-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXX went to a Capital One Bank cafe to make a payment to prevent my account from charging off. I place {$30.00} in the machine well I never received a receipt showing that the payment was credited to my account. I went over to tell an ambassador which is there version of a customer service person. I told them about I was told to call Capital One Banks customer service on Monday morning. I called customer service that Monday they told me to go back to the branch its there problem they have nothing to do with the servicing of the machines. I went back to the branch and I was told its an customer service issue. I'm in Massachusetts Capital One Bank dose not have full service branches if they did this most likely would not have happen or it would have been handle better. This is a mini branch inside of XXXX 's XXXX XXXX  they have several locations in the XXXX area. The issue is my account has charged off.Now I owe money on the credit card that is not the issue the issue is the {$30.00} payment to avoid the charge off never posted to my account the machine never printed out a receipt showing that the payment. Now Capital One Bank has sent me to an collection agency. I spoke with XXXX on XX/XX/XXXX I mentioned that there should be security footage for XX/XX/XXXX the day the payment was made a long with the other times I went back to XXXX 's XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was married for 20 years and used a hyphen with my last name. Because computer systems don't accept hyphens, my name appeared in a multitude of inaccuracies on credit reports. I have been divorced for nine years and have returned to my maiden name. All open accounts are under my current name. Through the month of XXXX I have been on websites, made phone calls and sent proof of identification to all three major credit reporting agencies. The goal was to remove all names but the name I have held for the last nine year. Two attempts have been made to get credit cards under one of the inaccurate names. The credit reporting agencies are reluctant to remove names because of past credit attached to those names. However, some of those inaccurate names have no credit attached to them. My social security card has only ever had two names associated with it. For agencies that are supposed to protect us, they allow an awful lot of false information. One report had phone numbers associated with my account that I have never had or provided to the agencies. I have had one employer since 1982 and yet I had the Soc. Sec. Admin., a collision repair company and an individual listed on my report as employers. One agency told me that if a past creditor wants to make an inquiry under one of the former ( inaccurate ) names, that the inaccurate name can be added to the report again. And, as if that weren't bad enough, it would be up to me to contact each company making the inquiry to correct my name. No agency told me about opting out of such inquires. I found the opt-out information on General Summary of Rights Under the FCRA. Unfortunately, I'm not sure that it worked or helped in eliminating inaccurate information. I repeated my address about ten times and the best I could do was get XXXX XXXX from the system, when it really should have been XXXX XXXX XXXX. Unfortunately, no option to speak to a person was ever offered. My complaint is not necessarily with one company, it is more with the system that has allowed these companies to charge for services to prevent fraud and yet they assist with the commission of fraud by not doing their due diligence in making sure that inaccurate information in never allowed on a credit report. Aside from me spending one month every year correcting inaccurate information on my profile with each credit reporting agency, what other options do I have?

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 2019-01-03 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I submitted a complaint on XX/XX/2018 ( Reference : XXXX ). They said that emailed me a Credit Score, but I never got it. And still companies can not retrieve my credit score from Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03 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: IN

Complaint narrative:
agency has a wrong address for me and will not change it. no sure where they got the address but they say it was from a creditor i said your wrong i have never had this address. i was assured that they got that address from a creditor so i said get my address from a current creditor they say they can not because they don't have my correct address.you can see the circle here and for this reason they have reported no credit on me since XX/XX/2012 and even that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Hello, I never got any account with XXXX XXXX, this information is old and should not appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: PERSIAN ACCEPTANCE CORP
State: MT

Complaint narrative:
THIS VEHILE WAS TOTALED AND THE LOAN WAS PAID OFF BY INSURANCE, IT WAS NEVER LATE SHOULD NOT SHOW A BALANCE, AND SHOULD BE MARKED CURRENT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Kohls continues to report my account and the information is so old and should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Called Navient on XX/XX/XXXX for two ( 2 ) closed student loan account that were consolidated and accounts should not be on my credit report because the credit bureau ( XXXX ) said that the accounts does not have verified date of the first late for them to remove the account. The account shows XX/XX/XXXX current and XX/XX/XXXX 90 days late instead of 30. The lady I spoke with on XXXX said that my actual first late was in XX/XX/XXXX which is not showing on my credit report and account is over seven years from the first late on both account and should not be on my credit report. The lady said that I should receive a letter showing my first late on the accounts in 7 to 10 business days because the can not email it. I never received any mail so I call XX/XX/XXXX spoke with a guy on the phone and explained my situation he said give him a moment and left me on the phone for 45min hold and  never came back on the phone.

Company response to consumer: Closed with explanation