vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
EHLP CASE XXXX LOAN XXXX. XXXX XXXX XXXX and my wife XXXX XXXX XXXX. We had a XXXX loan when times were hard. All payments were made on-time. HUD shows late payments. I have cancelled checks and a multitude of other documents showing no payments late. HUD will not release the lien on my property for the bank has submitted incorrect data and refuses to rectify the problem.

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 2018-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service
State: MI

Complaint narrative:
Tried to make payment on XX/XX/2018 to XXXX XXXX XXXX XXXX XXXX program online but was unable to on its website. Called to make payment and was unable to due to my account being " locked '' and was told I would have to make payment at a store that was not available at my current location. This store card is a scam that should be blocked by the service member civil relief act.

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 2018-12-17 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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed. As require by FCRA any nformation reported as fraudulent should be removed from the consumer credit file.

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 2018-12-17 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: GA

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed. As require by FCRA any nformation reported as fraudulent should be removed from the consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
Just got and owe amount from a employer I use to work for saying I owe a bill I never receive that I owed an amount and its not because I moved because we transferred out mail with us weeks before we moved now I I owed I would paid but I never received anything in the mail and still Havent. But a debt showed up on my credit report thats not right without not receiving the proper documentation. Theres no account number or reason why just sad and Pathetic

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-17 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:
I have reached out to XXXX XXXX XXXX to send me Validation of this account. not verification but Validation with my original contract with my signature on it. This company is highly negative on my credit report. I am request that they remove this account from my credit report. I called XXXX and spoke with XXXX on XX/XX/2018he informed me that this company no longer have information on this account that it was sent to a collection agency. Please remove this unverifiable account immediately.

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 2018-12-17 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:
I have reached out to XXXX XXXX XXXX to send me Validation of this account. not verification but Validation with my original contract with my signature on it. This company is highly negative on my credit report. I am request that they remove this account from my credit report. I called XXXX and spoke with XXXX on XX/XX/2018 he informed me that this company no longer have information on this account that it was sent to a collection agency. Please remove this unverifiable account immediately.

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 2018-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: MD

Complaint narrative:
Professional Bureau Of Collections XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Debt in the amount of {$2100.00} I have been trying to get this debt off my credit report for a long time, at one point the creditor removed it but post it back again. 
the creditor has been denying to provide me with validity of this debt all along. When I try talking to them they will say they will send me documentation to validate the debt and they never do, last time they simply hang up on me when I asked a valid address and the name of the person I was talking to so I could document it. 
They are very aggressive and threatening, and they don't provide any information other than saying you owe them and if you don't pay they will ruin your credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am attempting to get a mortgage approval to buy a home. 2 of 3 credit agencies allowed my credit reports to be pulled by the finance company. Equifax however did not allow my credit report to be pulled because it was locked. 

I called Equifax 's XXXX number three times this morning. Their automated system makes it impossible to speak with someone to fix this. 

I then obtained a secondary Customer Service number of XXXX XXXX. I called it this afternoon and a woman that barely speaks English asked me multiple questions about past mortgages, past loans, addresses, date of birth etc. and said that I was authenticated. She then determined that my current address that I have been living at for over a year and a half was not updated. She refused to update it on the call despite having already authenticated me. 

A third-party company that has incorrect information about me should not prevent me from buying a house. THIS IS RIDICULOUS!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc
State: NY

Complaint narrative:
Received a letter from Media Collections inc XXXX XXXX XXXX XXXX XXXX addressed with just my last name. And XXXX XXXX XXXX. They requested an online payment for some unspecified debt. I called the XXXX XXXX XXXX and they confirmed I do not owe them a debt, they have never submitted a debt to a collection agency, and do not use this collection agency. There is no record of a debt.

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 2018-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PMAB,LLC
State: VA

Complaint narrative:
I have a medical collection place on my credit report that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: F&L Marketing Enterprises LLC
State: VA

Complaint narrative:
I filled bankruptcy a few years ago and this company was apart of it. They refuse to clear this debt out of the national database. Even after talking with my attorney on several occasions. This has been years now and I need this matter resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased an XXXX  for {$180.00} on XX/XX/XXXX. On XX/XX/XXXX, I cancelled the reservation for a 50 % refund. I was unhappy with a 50 % refund, so I started a dispute with CITI. 

On XX/XX/XXXX, I received a notice from CITI that they were going to reverse the dispute and charged me {$93.00}. A {$90.00} refund had been received but I had also received a {$93.00} penalty, so I ended up paying more than the cost of the XXXX  for something that I had cancelled and received services from.

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 2018-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: AZ

Complaint narrative:
I recieved a notice on my credit report in XXXX That i owe an amount I never recieved a noticed and first of all I havent been to a doctor in years, years and we all know when we do go to a doctor they have us sign a document that says our information cant and will not be sent to a third party. But you lied they say I owe XXXX this need to be removed off my report ASAP because its not right why have a law if we not going to abide by it? Its a crime and I know if I submit a crime Ill be in jail right? Ok then I dont even have an account number with them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
Several Days after delivery I noticed a few indentions / hash to table. Service order was put in and Conns refuse to replace my item as they are blaming it on delivery. After many attempts no resolution has been place. I would like all monies refunded that was put into table.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
i saw a deposit in my mobile account that I didn't make and informed the bank of fraud the bank told me they would fix it and now i'm being charged for the fake check that was deposited, my account number was XXXX my name is XXXX XXXX XXXX address XXXX XXXX XXXX XXXX new york XXXX. the amount i'm being charged is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a Capital One money market account in early XX/XX/2018 in response to an offer in which they promised {$500.00} if I used offer code OFFER500 and made at least {$50000.00} in deposits between XX/XX/XXXX and XX/XX/XXXX. I deposited over {$50000.00} during this period and had met all terms of the offer on XX/XX/XXXX.

For your reference, these were the complete terms of the offer, available here : XXXX XXXX XXXX XXXX XXXX  " Heres the full scoop on how to earn your {$500.00} bonus : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX XXXX on XX/XX/2018, and XXXX XXXX XXXX   on XX/XX/2018. When you open your account, enter your promotional codeOFFER500. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/2016, you're ineligible for the bonus. This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account.

When will I actually get my bonus? Capital One will deposit the {$500.00} bonus money into your account within 60 days after completing the above conditions. If your account is in default, closed, or suspended, or otherwise not in good standing, you will not receive the bonus. '' I had met all the requirements that Capital One had listed on XX/XX/XXXX, and should have been credited the {$500.00} by XX/XX/XXXX, but Capital One did not award the bonus. I spoke with a manager at Capital One subsequently and he insisted that my account would be denied the bonus because, according to him, the offer included minimum balance requirements and not {$50000.00} in deposits but rather " {$50000.00} in 'net ' deposits. '' The terms of the offer are unambiguous and do not include anything about " net '' deposits or minimum balance requirements, simply that I make over {$50000.00} in deposits within the time frame, which I did. The terms say " deposit at least {$50000.00} between XXXX XXXX XXXX on XX/XX/2018, and XXXX XXXX XXXX on XX/XX/2018. '' It is really unfair for the bank to invent new conditions after the fact that were never part of the fine print that I agreed to when I opened the account. Capital One is trying to pull a bait & switch and change the terms of their contract. I met all the terms that the offer listed ; it is outrageous that the bank can try to make up new conditions that were never part of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Firstsource Business Process Services, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX billed me for an unreasonable amount at the end of my car lease. I wrote several letters to dispute the charges. They never answered, but instead turned me over to their collection agency. I wrote to the agency, included all the letters I had sent to XXXX, but they reported to the credit bureaus that this was a write off, damaging my credit score. Score was XXXX, is now XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
Background : I have a checking account and Line of Credit that is in repayment with Citizens Bank. My company also has accounts with Citizens. Every month since the LOC went into repayment my company cuts a check for at least {$700.00} which more than covers the amount due every month. 
On XX/XX/XXXX I mailed the {$700.00} payment as I normally do every month. On XX/XX/XXXX I received a statement from Citizens indicating that my payment was over due. I went online immediately and transferred {$600.00} and {$10.00} from my personal checking to cover the overdue amount. 
On XX/XX/XXXX I sent in another {$700.00} for the XXXX payment. On Saturday, XX/XX/XXXX I received a certified letter which said that they were going to start foreclosure proceedings. On Monday, I called the help line and after 3 hours was told that the payments never posted and that I had to prove that they were paid. All of the accounts are Citizens accounts. I was told that they could see the payments coming out of the account ( XXXX  ) that the checks were cut from but couldn't see where they were posted to the account. 
So as of today, XX/XX/XXXX, despite several calls and a visit to the local branch, Citizens has received over {$2000.00} ( two checks, one online transfer ) and not one dollar has been credited to my LOC! I also can't find out where the online transfer went. Although it shows it debited from my checking account, it doesn't show that it was posted to the LOC. 
I suffer from XXXX XXXX and XXXX and have been extremely stressed out and can't sleep because the whole thing is Citizens fault and no one will help me straighten it out. All I get is a run around.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
On XX/XX/2017 I recieved a debt I felt I shouldnt have to pay from a apartment I use to live at amount is XXXX we told the lady we was leaving and we finish our lease but she told us if we dont come sign papers then we automatically will been put into a month to month contract so weird right? How are you going to put us into something without or permission all we have to do is tell you we are not resigning to stay just like any other apartment I stayed or anybody else I know stayed everyone I talked to said that sounds stupid and looks like they are trying to get over on you. This is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I applied for the AMEX EveryDay Credit Card on XX/XX/2018 via the AMEX website. AMEX approved my application instantly ( within seconds/minutes ). AMEX granted a credit limit of approximately {$24000.00}, with a balance transfer limit of {$5000.00}. My complaint pertains to the {$5000.00} balance transfer limit. The card offer terms did not clearly disclose or list any specific limitations on the balance transfer limit. I applied for this card to take advantage of the 0 percent APR on balance transfers and {$0.00} balance transfer fee. I would not have applied for the AMEX card had I know about the 20 percent balance transfer limit. However, AMEX disclosed the eligible balance transfer amount after I submitted my application. 

The offer disclosure makes reference to " eligible balance transfer amount '' and explains that this amount will be based on your credit worthiness and other factors including your history with AMEX. However, the disclosure also says, " .... you may not request a balance transfer amount less than {$100.00} .... and the total balance transfer request must not exceed your credit limit. '' A reasonable person would not interpret that to mean your eligible balance transfer amount may be as low as 20 percent of your credit limit. 

I believe this omission satisfies the three UDAAP prongs : ( 1 ) The act or practice misleads or is likely to mislead the consumer ; ( 2 ) The consumers interpretation is reasonable under the circumstances ; ( 3 ) The misleading act or practice is material.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XXXX I sent a response to a Collection Agency named Portfolio Recovery Associates LLC who claim that I have a debt of {$970.00} through XXXX XXXX. This Account is not mine and the address associated with this account I have NEVER lived at. I have asked them to provide signed documentation that proves I have contractual obligation to this account and even asked them for a copy of their State Licence and number and they did not provide this. Per the Fair Debt Collection Practices Act they are to provide me with this data to prove that this is my account and they have failed to do so so they must remove this account. The only Proof they have been sending is credit card statements from years ago that dont even have my real address, this is not valid evidence that this is my debt, especially since I never lived at the address on those bills. They sent several letters to me with the same identical packet of information and nothinng new or what I asked them for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I opened a new account with Robinhood an online brokerage/high yield savings and checking account. Immediately after opening this account I had questions about where my money was being transferred to and held. It appears during the sign up process, I was under the impression it would be moved into the newly created Checking account, however it was instead moved into their brokerage account which was done on my behalf. After realizing I did this, I emailed their support team numerous times to clarify the transfer of funds. I did not get a response. The next day, I continued to reach out and have been doing so since, without a response from their team. I've emailed them numerous times and have attempted to call but got a voicemail recording that states to email customer support. 

I've reached out to the bank where the funds were being transferred from and they are unable to do anything because the transfer has already been initiated. 

I am at risk of losing a significant amount of money and have no recourse to understand where it is and how to get it back. I am seeking your assistance to rectify this situation and return my funds back to my original account.

Company response to consumer: Closed with explanation