vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-20 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX, its a hard inquiry dated XX/XX/2017 XX/XX/2017

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 2018-12-20 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: PA

Complaint narrative:
In XX/XX/2014 my wallet got stolen and I reported all of my cards. I was charged on a few including my XXXX  card that I m now complaining about nd taken to collection. My other cards, the amounts not mines, were disputed. However, XXXX took me to collection without taking my dispute in consideration nor my complaints. I told them what happenwd but they did nothing to help me. They just wanted to charge me and disregard my complaint. The amount on XXXX Card charged is about 990-1,200. They continue to send me letters changing the amount. They ruined my credit but continue to charge me as well as debt collection.

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 2018-12-20 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 am writing to Correct inaccurate reporting on my Credit report. I am trying to get my life together and start a new career the beginning of the year so please help me out by deleting the inaccuracies. This is hindering me from Employment as well as other options. Thank you Here is the account that is inaccurate and need to be deleted from my report Immediately. 

XXXX XXXX Account # : XXXX Past Due : TransUnion Shows XXXX XXXX Shows XXXX XXXX   Shows XXXX. ( There should be no past due on a collection ) Date of last Active : TransUnion Shows XX/XX/XXXXXXXX XXXX shows XX/XX/XXXX XXXX Shows XX/XX/XXXX. 
Delete immediately for Inaccuracies.

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 2018-12-20 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: CA

Complaint narrative:
I am writing to Correct inaccurate reporting on my Credit report. I am trying to get my life together and start a new career the beginning of the year so please help me out by deleting the inaccuracies. This is hindering me from Employment as well as other options. Thank you Here is the account that is inaccurate and need to be deleted from my report Immediately. 

XXXX XXXX Account # : XXXX Past Due : XXXX Shows XXXX XXXX Shows XXXX Equifax Shows XXXX. ( There should be no past due on a collection ) Date of last Active : XXXX Shows XX/XX/XXXX XXXX   shows XX/XX/XXXX Equifax Shows XX/XX/XXXX. 
Delete immediately for Inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I had a judgement against me of XXXX dollars in XX/XX/XXXX, St. of N.J. that was paid.I have requested info from transworld systems via telephone on XXXX around noon with agent named XXXX.I requested : a copy of the original judgement, payment terms, proof of payment records, and payment history. XXXX said it would take around a month to gather this info and forward too me.Today is XXXX and I have not received any info.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
CFPB team please review Citibank issued Credit card ( Citi DoubleCash Card ) I was recently found out that my credit card transactions were coming up declined and after calling the customer service I found out that Citibank has decided to close my credit card on XX/XX/XXXX It is understood that Citibank has right to close my credit card but with a notice of upcoming closure. They should have given me few days to redeem my rewards that I have legal right to earn as per your terms and conditions across all these years I have had service. In-fact I have accumulated thousands of dollars of charges on the account for which Citi has charged up to 4 % to each merchant i did business with. For tens of thousands of dollars in purchase at the end of the year I earn the Cash back that Citibank stole from me. 
I called customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They are not ready to help. 
I have my rights to redeem my cash back rewards back for each one of these cards : Citi Double Cash Card XXXX $ XXXX {$250.00} Cash Back that was never credited back to the account for purchases I had made until XX/XX/XXXX I send a letter to Escalation customer service and the citibank via USPS mail on XX/XX/XXXX. There was no response received. I had requested all my cash back on my account to be redeemed and credited back to my bank as a ACH payment or check to be issued. Citicards & Citibank is refusing to give me the cashback for which they had clear terms and conditions to honor their rewards. 

It is unjust and unethical for Citibank/Citicards to forfeit my points i collected for past 1 years paying high interest rates for the charges. 

I am looking for a legal decision to be held against Citibank to make these unjust decisions and stealing my benefits. 

Regards, 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 2018-12-20 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: MO

Complaint narrative:
A credit repair firm sent multiple dispute letters addressing a XXXX account on my TransUnion report. This account is listed with a {$0.00} balance but is still being reported as an active late payment account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One is reporting a debt on my credit file I do not owe. My vehicle was damaged in a natural disaster, so the insurance, XXXX should have taken care of the debt as part of the disaster, and should be covered under that. I spoke with Capital One and they advised me not to make any more payments due to it being covered. They are reporting this debt as a repo and it shouldn't. This is in clear violation and needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have a contract to install 320 yards of carpet in a customers home. They gave me a check for XXXX I deposited the check in a branch atm. The receipt stated the check has an error. I called right away. The atm customer service rep stated that I make large deposits all the time and I shouldnt have any issues. Today I brought the contract into the branch where I made the deposit. Now the funds wont be released until XX/XX/18. My customer called XXXX and they already released the funds overnight. The customer, wanted carpet for XXXX. I need your assistance or I wont do business with this bank anymore.

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 2018-12-20 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: FL

Complaint narrative:
EQUIFAX can not report correctly my address. In XX/XX/XXXX, I sold the house that my wife and I had lived in for 24 years and moved to a new house in the same town. When I ordered my free annual credit report in XXXX it still showed the old address so I contacted Equifax to correct the error. After realizing It was impossible to get anything resolved on the phone, I sent a letter, dated XX/XX/XXXX and furnished them with copies of our countys tax assessors details on our new XXXX state address and explained our move. I also furnished them a copy of my XXXX County XXXX Property Appraisers detailsI on our XXXX residence and enclosed a picture ( back and front ) of my drivers license for identification. Im sure this is complicated by my having two residences, one in XXXX  State and one in XXXX  ; however, I explained that in the XX/XX/XXXX, letter. The XXXX address is my address from late XXXX to early XXXX. From XXXX until mid XXXX we live in XXXX  State. Equifax issued a new report dated XX/XX/XXXX, however the new report still shows the same incorrect XXXX State address. Equifax shows the correct XXXX address as a previous address. 

Since I began trying to straighten this out I have received three Equifax reports under three different confirmation numbers all showing the incorrect XXXX  state address. On XXXX XXXX, I received an Email notice Your Equifax dispute had been completed. When I put in the information they requested they reply Great! Weve found your file. They then ask 4 question to verify that Its me. None of the questions applied to me. When I answered all the questions they replied : the answers you have provided does not match our records ; therefore we are unable to process your request online. 

Note, the final question asks about a student loan dating from XXXX. Im XXXX years old! Ive never had a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
Even though we missed a payment in XXXX we have worked our way back to paying by the month. The mortgage company has indicated of foreclosure because the representative is complaining we haven't paid by the XXXX of the month. We told the representative it would be paid by the end of the month. As I mentioned we pay by the month. I am XXXX and unable to work and get paid on certain days and that can't be changed. Now the company Ditech has hired a 3rd party agency who drops off a blank envelope to hang on my door. Ditch had done this to us before and we have warned them not to do this. Number 1 it is illegal and harassing by law for a 3rd party to deliver more than once. Number 2 leaving something hang on the door attracts thieves to a person gone from the premises. I've sent a warning to Ditech to share with this agency that he will be arrested by the Sheriffs Office for harassment. Our payment record will show we often pay more than required to offset the escrow from the loan. This action against a U.S. citizen with XXXX is inappropriate and shows you where we are as a society.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX Customer Name : XXXX, XXXX American Express has refused to honor the bonus promotion of XXXX Delta miles under which I opened a new Delta Gold Amex card in XX/XX/XXXX. I easily met the terms of the offer -- spend {$2000.00} within the first 3 mos for XXXX miles. By XX/XX/XXXX, I spent $ 2500+. 
Thus, I should have had XXXX Delta miles credited to my Delta frequent flyer acct. It never happened. 

On or around XXXX XX/XX/XXXX : i chatted online w/ Amex to inquire re : the status. See attached screenshot. Amex claimed to have opened a case to investigate the terms of the promotion and needed to be reviewed and it should take no longer than 6-8wk. I even offered to submit the promotion terms to expedite the process. Amex refused my offer, a red flag. I waited and waited and eventually forgot b/c Amex NEVER got back to me. I never received my XXXX bonus miles. 

On or around XXXX XXXX ( not XXXX ) : I called Amex to close my account now that I was being charged {$95.00} for the annual fee. I inquired about the XXXX bonus miles. Amex confirmed that I met the terms for the bonus miles, i.e., I spent $ 2500+ XXXX   XXXX Case ID Dispute XXXX. He put notes on acct. 
XXXX stated that he's also including {$95.00} annual fee in the dispute to be waived. I asked to change the card to one w/o an non-annual fee, but XXXX said that bonus miles might not be credited. I didn't agree since I met the terms of the promotion a year ago and the fact that it hasn't been appropriately and timely credited shouldn't force me to keep my acct open now. But he/amex advised that I have to keep the card as Delta Gold. My  concern is that if I don't close the card within 30d of the annual fee charge, Amex won't ever credit it. XXXX assured me that it would be credited when the XXXX bonus miles are credited. I asked When should miles post? He said 6-8wk, but I should see it in less than month. Offer code seen. He confirmed that I spent {$2500.00} by XXXX. 
I was concerned that Amex said this same thing a yr ago and never followed up. XXXX reassured me that I would be able to see the dispute he opened about the bonus miles and the annual fee in my online acct under " Disputes. '' Despite logging out and back in, this dispute never showed up. He said to give it more time. 

It's now been two wk and the dispute he claims to have opened is nowhere to be found on my account. Amex is trying to trick me into leaving my acct open so that I have to pay the annual fee {$95.00} even though I haven't used the card in a yr. If I don't pay, Amex will report this as derogatory to the credit reporting agencies.

Amex keeps breaking its promises. I have the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: MO

Complaint narrative:
TransUnion is reporting that I have two outstanding loan balances through XXXX  XXXX XXXX-XXXX  as of XX/XX/XXXX. The accounts were closed as of XX/XX/XXXX. I have submitted two disputes ( once in XX/XX/XXXX and again in XX/XX/XXXX ) with information documenting both showing {$0.00} balance and both disputes have been denied. 

I submitted my Loan Summary/Mortgage Verification letter ( the only letter XXXX was able to give me ) and my StudentDataDocument from the National Student Loan Data System - both showing I have a XXXX balance for all my student loan accounts. 

TransUnion has denied both my disputes saying the information being reported is correct. They have documentation showing XXXX " reported '' balances on my account on XX/XX/XXXX. Upon contacting the creditor, XXXX, they are showing they have not reported anything to TransUnion since XX/XX/XXXX. 

When I call TransUnion they say that XXXX is still reporting ( on XX/XX/XXXX ) that they balances are correct. I have submitted all the documentation that I have showing the accounts are paid off. I don't know if TransUnion is wrong or XXXX is wrong but the information being reported on my TransUnion credit report is incorrect. The balances have been paid off ( on XX/XX/XXXX ) and should be removed from my credit report. 

I called TransUnion and XXXX multiple times to get this resolved and they were unable to handle my request. I think it is ridiculous that CRA 's and creditors are able to report incorrect information about me and yet are unable to give me a straight answer via a simple phone call. These are billion dollar organizations and I am having to solve these issues from my kitchen table. These organizations should be held to a higher standard when it comes to servicing the people they are profiting 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 2018-12-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Throughout the life of the loan I've already used all my forbearance options ( Navient only gave me hardship options ) and only have the option to pay the full amount or try to refinance. I have tried on several occasions to talk to them about income based or any other options and I've been told " we dont have any other options, you must pay the full amount. '' I feel this is wrong as every other student loan servicer gives you the options.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
2 months ago capital one started servicing my cabelas credit card. I would log in to my capital one account to make payment on all my cards, for I have 2 other cards with capital one. I would log in and the system would read I am at XXXX balance on all my accounts. A couple of days ago I get a weird email, it say I am past due 2 payments and to call to make account in good standing. I called the lady was very nice and admitted that my cabelas card was not on the portal and I had to add the card to the account. I said I had no Idea about that, she said she understood and took back the late fees and made the account good. I then noticed today my credit took a huge hit and dropped a 100 points due to no payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: GA

Complaint narrative:
Had to fill out a reaffirmation agreement and send it to XXXX  to be processed for my upcoming class. I sent them the form well in advance and they told me 7-10 business days to process. I had to keep calling back several time after the time frame to have it processed. They said they sent it to my school and my school still has not received it. I called and asked to have it emailed to me and they said they would. 3 days later still no email so I called and asked to speak to a manager and the person that got on the phone said she would expedite the email but I have no faith in that. Here it is my class in 4 days in and XXXX does not care about my paperwork. They talk really quick and try and get you off the phone but do not resolve your issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have tried for the last 6 months to have Transunion update my credit report to include my XXXX Chapter XXXX Bankruptcy without success. They are absolutely no help. They keep telling me that they get the information from a vendor ( they will not provide the name of the vendor ) and that the file is accurate. I have contacted the court where my bankruptcy was filed an XXXX and they told me they don't work with the credit reporting agencies. So, no one will help me. My Transunion credit report just shows bad debt and a statement from me that they were included in Chapter XXXX Bankruptcy. However, when I apply for credit I am turned down because it appears that I'm in an open bankruptcy because the bankruptcy and XXXX are not on my report as a public record.

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