vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-09 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Hi, i bought a house last year and i decided to apply for a home depot line of credit due to a major remodeling i was doing in my house. When i spoke to clerk in charge of the store 's customer service department, i told them what i needed, which was a credit line in which i could get all the materials in a matter of 2 weeks or 3 weeks. Based on my needs they recommend a " project loan '' which had a set interest rate ( 7.99 % ) for a period of 72 months for the amount i requested ( it was XXXX ). Because of my credit history i got a approved right away, they gave me a slip with the amount approved and my account number so i could purchase all the materials and i could take home. 
After about a month or so i used all my credit line ( which i planned from the beginning ) but the bills started coming with different rates, promotions for some purchases which were going to finish in 24 months, some in 12 months. I went back to Home Depot to ask the manager on what is going on and they were sending me back to call credit service ; then i called credit services y then they sent me back to home depot store. 
I called credit services one final time and i took my complaint to the highest rank in the chain and they told me that there is nothing they can do because it was the customer service clerk that sign me up for a store credit card but no for the project loan which had a different interest rate. 
i dont know where to go, who to complain. They basically are " washing their hands '' on the issue that a clerk from the store signed me up for the wrong credit line, they claimed i acknowledged it because i was continue paying my bills ( my husband was paying the bills at the time before leaving for XXXX and i did not realize i was put in the incorrect credit line for months ) and even after explaining this to the credit services, they took sides with the store clerk instead of taking my word. They just told me theres nothing they could do about it. 
I am stock paying ( i would like to stop paying them but it would ruin my credit history which has been implacable ) bills i did not signed up for.

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 2019-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I greatly apologize but I do not recall ever seeing this doctor. Nor receiving any medical treatment from him. I do not recognize the payment being ask for nor what constitutes a {$300.00} bill.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom it may concern I had a XXXX XXXX account opened XX/XX/XXXX. Had over a 8 year relationship with them. Account was closed by XXXX due to them not being able to get a hold of me to confirm if it was me or not. 

Since I always paid on time and never had any problems with them they agreed to remove this closed account to all the credit reporters which was closed XX/XX/XXXX. 

After speaking with them several times this has still not been done. I always asked them to put in there notes. This way no one is confused as to what was said.

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 2019-05-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
To whom it may concern I had a XXXX XXXX account opened XX/XX/XXXX. Had over a 8 year relationship with them. Account was closed by XXXX due to them not being able to get a hold of me to confirm if it was me or not. 

Since I always paid on time and never had any problems with them they agreed to remove this closed account to all the credit reporters which was closed XX/XX/XXXX. 

After speaking with them several times this has still not been done. I always asked them to put in there notes. This way no one is confused as to what was said.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: GA

Complaint narrative:
I have requested for the credit bureau to delete incorrect addresses and they have failed to honor requests. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
AMERICAN EXPRESS CHARGED PENALTIES AND LATE FEES-AFTER DEBT WAS PAID. ACCOUNT WAS CLOSED. THE SMALL WINDOW OF A COUPLE DAYS HAD THEIR SYSTEM CHARGE A CLOSED ACCOUNT AND AFTER NOTIFICATION ADD ON A PENALTY, THEN IN SUBSEQUENT MONTHS CONTINUE TO CHARGE A LATE FEE-SEND IT FOR COLLECTION ; ALL AFTER THE MORE THAN $ XXXXWAS PAID AND RECEIVED BY AMEX. AFTER 45 YEARS WITH AMEX-THAT DID NOT MEAN ANYTHING. THE LANGUAGE BY CUSTOMER SERVICE WAS INTIMIDATING ; AND ATTEMPTS TO BARGAIN FOR EXTRA PAYMENTS MADE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I AM A XXXX PERCENT XXXX VETERAN NFCU TOOK MONEY FROM MY ACCOUNT TO PAY THE STATE OF VIRGINIA. I GET XXXX PERCENT OF MY MONEY FROM THE GOVERNMENT XXXX PAYMENTS. NO ONE CAN TOUCH THAT THAT.PERIOD THEY VIOLATED FEDERAL LAW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: Ditech Financial LLC
State: SC

Complaint narrative:
Ditech accepted a settlement offer of {$1900.00} in XXXX of 2018. We had to pay it by XX/XX/2018. I followed all directions as to how, where to send it, all. I have payment confirmation and signature confirmation they received payment in the XXXX of XX/XX/2018 by certified check. Ditech has payment received XX/XX/2018. We were told that the money was applied to regular payments instead of a payoff. They apologized but never got it straight. We were told due to conversion they were having problems. Told so many things. We have had continual problems since. All three credit bureaus have received negative reportings of 120+ days every month late since except one showed 90 days I think. We have contacted Ditech numerous times, almost monthly to get this straight. One month. XXXX was corrected, I think, that was all. We have documentation to prove, names, dates and times of phone correspondense. We have asked that the reporting stop months ago. We are still receiving calls, bills, and trouble with them trying to collect as well as the false reporting on the credit bureaus. Yesterday i was denied credit. My credit rating was badly affected. I filed disputes on two bureaus yesterday and will file the other today. Ditech should have this act closed, paid in full, and no negative reportings since settlement was accepted. Ditech has been contacted and told of this over and over and over for months! STill have not received title to property either.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: MD

Complaint narrative:
THEY HAVE CALLED ME REPEATEDLY AND THREATENED ME AND VERBALLY ATTACKED ME.THEY THREATEN NUMEROUS TIMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I went to XXXX XXXX in XX/XX/XXXX and assist to a metting for timeshare with XXXX XXXX, they made us an offer of XXXX points per year that we could use for Vacations at any place USA or National The Hotels or Resorts for {$8500.00}. When we made the first Payment we where available to see the value of the points. What they have available are for XXXX points per night ( with the original cost of {$75.00} - {$100.00}  regular price for public ) in Three Days the XXXX points will be gone, is a fraud we have to make payments of $ XXXX  monthly {$1500.00} per year plus like {$600.00} taxes per year total cost per year {$2100.00}  my husband and I where thinking in somenthing nice they show us a beutiful Resort in XXXX XXXX. When we try to look for our vacations nothing is true with the only options that we have are worth like {$300.00} and they still charge other fees. They are a scam How is posible that they want us to pay more than {$2000.00} dollars for something that we could pay for {$300.00} or less and only when they have something available. Plus they used our information for a Credit Card they never tell us That we where applying for a credit Card. XXXX/XXXX XXXX check our Credit with OUT our ahutorization for Credit card ( BARCLAYS BANK DELAWARE ) in XX/XX/XXXX. And they Check my CREDIT again in XX/XX/XXXX ( XXXX XXXX XXXX ) I never ahutorized that. I TRY to CALL them the phone that they Have is incomplete the same for the credit Card I have no Idea how to talk to them. Could you Please help me. 
I freeze my Credit and I change my Accounts numbers

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 2019-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX Bank, XXXX, Midland funding I have disputed this alleged account XXXX billing statement show a name of XXXX XXXX XXXX not me. when I contacted you about this you stated a card was mailed to my addresss { never got } I requested that you provide me a U.S.Postal receipt showing it was delivered to this address you Never responded Back, now after I disputed this alleged account on my credit report you XXXX XXXX my name and sale alleged account to Midland Funding, I have all your statements that show XXXX XXXX XXXX not my name, and your response that you stated we mailed it to you, and did not respond to my request of postal receipt to me please remove this alleged account not mine, account disputed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I RECENTLY WENT TO APPLY FOR A HOME LOAN AT A BANK, AND WAS TOLD THAT I HAD TO PAY OFF MY STUDENTS LOANS AND THE REAPPLY. I TOLD THE BANK THAT I NEVER HAD STUDENTS LOANS. THEN I WAS PROVIDED THE CREDITOR NAME AND NUMBER TO CONTACT THEM TO INVESTIGATE THE ACCOUNT. I HAVE DISPUTED THE ACCOUNTS MULTIPLE TIME WITH THE CREDITOR AND THE CREDIT BUREAU AND HAD NO RESULTS. THE THREE MAJOR CREDITOR BUREAU HAVE NOT MARKED THOSE ACCOUNTS DISPUTED AT ALL. THIS IS A INCONVENIENCE FOR ME SEEING THAT I'M TRYING TO MOVE FORWARD WITH MY HOME LOAN. I WILL LIKE FOR ALL OF THE STUDENT LOANS TO BE REMOVED FROM CREDIT FILE 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 non-monetary relief
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Received a robocall on XX/XX/2019, asking me to press " 1 '' to get information about a debt I owed. I was connected to XXXX XXXX, who identified the company as " XXXX XXXX XXXX XXXX at ( XXXX XXXX XXXX ). Claimed to represent MBNA, and that MBNA had been trying to contact me. I do have a debt disputed that originated at MBNA, but has long since been sold and resold over the years to various collection agencies. After I confronted him of this fact, he confirmed that in fact MBNA did not own the account. When I asked for his company 's address, he hung up on me. Multiple attempts to call back the company and get their address -- specifically to dispute the debt and ask for verification, resulted in them continuing to hang up on 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 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Attn : Complaint Department I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit reports showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXXXXXX ( XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Chase Card ( XX/XX/XXXX ) XXXX XXXX  ca ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my police report as proof of my identity. 
Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
1. I have no knowledge of said debt and I would like it removed as it's reporting to the CB ( as an OPEN account ) and negatively affecting 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 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I contacted Transunion to advise that I had been a victim of their Inquiry issue. I contacted Transunion and they refused to remove the unauthorized inquiries on my credit report. I called on XX/XX/2018 and spoke with several representatives that were rude and would not address the issue or concern. I have also mailed a certified letter detailing the same 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 2019-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Agency of Credit Control
State: CO

Complaint narrative:
Mr. XXXX XXXX telephoned me on Friday, XX/XX/XXXX at three locations, work, my mobile and my husbands mobile number within a 30 minute time frame ( Note having never previously received any mail regular or certified mail ). Mr. XXXX left me a voice mail at my place of employment at XXXX asking me to contact him at my earliest convenience and continued to call me until I returned his call. ( at total of 8 times ). Upon our 2nd call he advised me that I owed money for services to a medical doctor that had I filed a DORA complaint for malpractice to my XXXX that I've now got damage to my XXXX which he's lost his medical license ( not related to this incident ). My complaint is that Mr. XXXX has advised me my medical debt is going to be placed on my husband 's credit. He was hateful, demanding and unprofessional. I asked for payments and his snide unprofessional comment was " We aren't going to accept {$10.00} a month '' I asked for a settlement even though I don't feel services were rendered for a doctor who caused damage to my XXXX and Mr. XXXX said get a lawyer and sue the doctor. Services were rendered at the time. Mr. XXXX is ready to serve me with a lawsuit and I'm fearful and now having serve anxiety of my husbands credit being ruined. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
This file, XXXX, for myself, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, initial review was from an application submitted XX/XX/2018. Then, in turn, denied for modification based on lack of a lower payment available per investor guidelines. The income that was reviewed by Rushmore was reduced from our application by more than {$2500.00} a month. We knew the appeal would be denied but we were told by XXXX XXXX XXXX at Rushmore, to submit anyway. We did so and were denied appeal. Thereafter, with the income proof on my bank statements, we feel confident my income will be honored from the application. 
We re-entered the process to reapply for modification and were Permanently denied PREMATURELY, without any real review of income/loan details. We have only had one formal chance to apply and have a reapplication based on a change in circumstance. 
We believe it is illegal to deny customers the right to modify or at least the opportunity to be reviewed for modification. Rushmore is now denying these rights many more customers than just this one. We are following up with the State Attorney General to insure you are abiding by the proper protocol for XXXX Banking Department, HUD and any other regulatory institutions that may apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Sync Bank, Walmart, XXXX XXXX I have disputed this alleged account XXXX billing statement show a name of XXXX XXXX XXXX not me. when I contacted you about this you stated a card was mailed to my addresss { never got } I requested that you provide me a U.S.Postal receipt showing it was delivered to this address you Never responded Back, now after I disputed this alleged account on my credit report you Sync us my name and sale alleged account to XXXX XXXX, I have all your statements that show XXXX XXXX XXXX not my name, and your response that you stated we mailed it to you, and did not respond to my request of postal receipt to me please remove this alleged account not mine, account disputed

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 2019-05-09 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: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
An inquiry from SYNCB National Credit Cards/Airlines, showed up on my credit report through XXXX XXXX. When I call or email regarding this, all I get is the run around or pushing it back onto the other company. I have never applied for XXXX XXXX for any medical bills, etc. 
XXXX XXXX tells you to contact the credit bureaus, but then XXXX tells you to contact Synchrony ....

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