vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony bank along with quiet a few others, XXXX XXXX included, have been notified to send all mailings and calls to XXXX XXXX XXXX  as we had enrolled in the program. They still sent Certified mail to our old residence and are still calling our numbers after being given the numbers to XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: CO

Complaint narrative:
In XX/XX/XXXX, I called to close my XXXX XXXX  through us bank. Its XXXX I can use anywhere XXXX   accepted however the rewards program is only through XXXX and they went out of business. I waited a few months, no charges and a XXXX balance. I called and closed, I also informed them I never received my new card that expired in XXXX, so the number was comprised. Additionally the rep was super rude bc it seems theyre supposed to save accounts and couldnt convince me to keep. I was set up for online statements but once my account was closed they block you from online because it was my only account with them. I received one email a statement had been cut about XXXX and then I received another email statement in XXXX. A second statement didnt make since. I called in XXXX XXXX. To find out that apparently a charge was charged 1 hour BEFORE I called, that they should be able to see. There was a lot of back tracking and covering up. How do they have no process to inform me my account didnt close either? How did a card I told them was compromised have a charge? They reversed the late fee, and ensured that they havent reported to my credit. They asked about disputing the charge but I decided I didnt trust them not to report to my credit and Id work out with the merchant. Today XX/XX/XXXX I called to confirm my account did close. It says pending close. The person claims it takes 2 cycles to close and previous merchants can still charge. I want my account closed. 
I feel either the person who first should close didnt, the next person lied. I requested to escalate an ethical complaint. They said theyd file it. I said just document for regulators. I want an escalation group. She said there were no such people. 
The lady tonight, I asked how if Im at a XXXX balance and I dont want the card how they can not just close it. She said every bank can do it how they want. 
I cant understand the point of this, Im concerned my credit will be impacted. Us bank the most ethical bank thats a joke.

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 2019-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: NY

Complaint narrative:
On or about XX/XX/2019 I contacted Contract Callers Inc in an attempt to settle a debt. My settlement offer was not accepted and I asked for clarification of the debt in written form via regular mail. I verified my current mailing address. Several weeks later I had received nothing and called again in an attempt to settle and also to receive verification of the debt. I was told that my original request had never been processed but that I would receive something in the mail shortly. Again, I received nothing in the mail and contacted the agency and told them I would like to dispute the debt as I never received any additional information about it. Approximately 1-2 weeks after this call my credit score dropped from XXXX to XXXX and now shows a derogatory remark that I attempted to dispute this debt. I requested written verification multiple times prior to disputing the debt and never received anything. This does not seem legitimate or fair whatsoever

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 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: WV

Complaint narrative:
I disputed information on my Early Warning consumer report I sent Early Warning a copy of my bankruptcy filing document proving the bank account listed on my consumer report was included in my bankruptcy so I requested all of the information under transaction information be DELETED because the information is included in my bankruptcy and that is considered negative information and is preventing me from opening a bank account since the bank account was included in bankruptcy all the transaction history information should and must be deleted because it infers that I have outstanding NSF checks which I do not any longer they was all wiped out in the bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: IL

Complaint narrative:
XXXX XXXX  XXXX XXXX XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} CHARGE-OFF {$4500.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XX/XX/XXXX {$470.00} CHARGE-OFF {$1000.00} XXXX XXXX XX/XX/XXXX {$77000.00} XX/XX/XXXX {$77000.00} CHARGE-OFF These should be removed, I've disputed this the 1st time they appeared on my report Equifax, keeps sending to there overseas office. ive sent police reports as well as FTC.GOV this is affecting my job. Ive have been hung up on and treated very bad with. this matter. Ive even better ask questions about my name being XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citibank decided to replace my credit card with a new number. It issued a new card account and transferred the balance to the new account but FAILED to change the old account to {$0.00}. Instead, customer service says that it will be corrected in the future at an unknown date. This resulted in a showing of DOUBLE the amount of credit card debt on my credit report, reduced my score below 700, and prevents me from obtaining an optimum rate on a home loan I want to obtain. Note that even though Citibank has already eliminated the XXXX card from my mailed statement, it still appears online.citi.com and on my credit reports. This is no rush to Citibank but is negatively affecting me on a daily basis. I decided to ask CFPB to assist me before contacting the Attorney General 's office.

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 2019-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc.
State: TX

Complaint narrative:
This Company " XXXX XXXX XXXX '' claims that I owe them {$120.00} and are now using a collection company called RGS Financial to report to my credit report that I am delinquent/past due on this. I have never heard of this company nor have I used their services. They refused to send me proof of debt with my signature. 

Contact info for RGS Financial is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
We got in to a predatory lending .We got the home in XXXX for XXXX paying XXXX XXXX XXXX XXXX a month we been ask for a mod but in XXXX the rear was XXXX the home they started to foreclosure on it I filed a bankruptcy to stop and keep ask for a mod they told me to pay XXXX I pay it for 3 months then the cont. to persuade the foreclosure and refuse take the next month in XXXX they file again I filed a bankruptcy again the start cont to file and then in XXXX while Im still ask for the mod we keep filling bankruptcy and keep asking for the mod summit document after documents no answer we never had a day in court because we in bankruptcy the bankruptcy was discharged in XX/XX/XXXX and the court give them a sale date for XX/XX/XXXX now the home is to be for sale on that date the home has change lender able loan serving, littion loan services,  ocwen loan serving now PHH loan servicing and they just send me help paperwork out XX/XX/XXXX and I just get home for the hospital try contact the wit HUD counselor On today and they refuse to help the still say we own XXXX in rears and we never pay or their no loan of a payment of XXXX it was XXXX and the give us a loan mod for XXXX at 2 percent and they send out a letter tell us we at the lost amount we never received anything form the but foreclosure paperwork and we was not in predatory lending

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: TX

Complaint narrative:
I have tried to get collection company " Merchants Credit Guide '' and credit bureaus to remove a claimed debt of {$460.00}. XXXX  has already complied and removed the derogatory item from my report but XXXX and XXXX have not. Merchants credit guide only responded to my 1st letter and ignored my second letter requesting for proof of debt, 1st letter Tracking # XXXX - 2nd letter tracking # : XXXX. 

XXXX ( Tracking # XXXX ) and XXXX  ( tracking # XXXX ) also failed to provide me with proof of alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: DISCOVER BANK
State: AL

Complaint narrative:
This account was open fraudulently when i was in high school in XX/XX/XXXX. I didn't know anything about this account until I tried to apply for my first credit card and was denied. I pulled my credit report and seen that this account was opened and went to collections for {$500.00}. I called Discover Financial Service and was informed that if I paid the account, they would remove it. Sadly, they did not. The account was closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am trying to figure out on how to get this paid so I can fix my credit score please can somebody help 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 2019-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Netspend Corporation
State: MA

Complaint narrative:
I was promised that my claims would be Reopened and that I would receive a refund for my disputes and I feel like I was lied to

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 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I received a text from an unknown phone number ( XXXX ) that had a link attached to it for a fictitious name " XXXX '', I've copied it below. 

Text message read : Equifax alert for XXXX recent account found on your history XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: AL

Complaint narrative:
This account was open fraudulently when i was in high school in XX/XX/XXXX. I didn't know anything about this account until I tried to apply for my first credit card and was denied. I pulled my credit report and seen that this account was opened and went to collections for {$500.00}. I called XXXX XXXX XXXX and was informed that if I paid the account, they would remove it. Sadly, they did not. The account was closed on XX/XX/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 2019-07-23 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: AL

Complaint narrative:
This account was open fraudulently when i was in high school in XX/XX/XXXX. I didn't know anything about this account until I tried to apply for my first credit card and was denied. I pulled my credit report and seen that this account was opened and went to collections for {$500.00}. I called XXXX XXXX XXXX and was informed that if I paid the account, they would remove it. Sadly, they did not. The account was closed on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23 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: AL

Complaint narrative:
This account was open fraudulently when i was in high school in XX/XX/XXXX. I didn't know anything about this account until I tried to apply for my first credit card and was denied. I pulled my credit report and seen that this account was opened and went to collections for {$500.00}. I called XXXX XXXX XXXX and was informed that if I paid the account, they would remove it. Sadly, they did not. The account was closed on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA

Complaint narrative:
XX/XX/2017 to the present we have been charged a corporate advance fee with a total amount exceeding {$27000.00}. We have been told that this fee covers fees charged by the servicer but have never been given an itemized statement showing why these fees are justified. We have had problems through the years with employment, change of employment, lack of employment, health issues and reduced income. We are currently in a payment plan and on two months from being done, our payments are {$1400.00} a month for 6 months. 

We are seeking an explanation an audit of our mortgage, money to be returned or credited back to our account and the information to contact our servicer ourselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I filed a dispute for a purchase not received with Capital One for {$58000.00}, Capital One has not provided me with a permanent credit. I tried to resolve the problem with the supplier who promised me a credit, which has not yet been issued. The vendor also has not responded to the dispute with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: DISCOVER BANK
State: KY

Complaint narrative:
There was money remove from ny checking account 2 or 3 different time, I found it and turn it over to the my bank, and they reinburse my account, they was trying to get money out of my account went i was standing in the bank reporting it, i all so see a hard inquire from a credit card that i did not do, went will this stop, i Have to keep a watch on my account everyday because of this, they was small amount that was remove, but went will they take a lot out, someone has my information in how they got it i don ; t  know, but it all so making credit hard to get a loan due to hard inquires that been made by someone, Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Credit card company charging interest for balances less than 30 days old that goes against agreement. Stated because I was short less than {$150.00} on one statement for XXXX even though the XXXX statement was paid in full the entire balance for XXXX is subject to interest. Even though the balance is less than 30 days old. Asked the credit card company to review the account I was told there was nothing that could be done. Asked to please explain as if this was the rule I should be paying interest every month. Let agent know only past due balance or balance past 30 days should be subject to interest she state no that is not correct. Charged interest in entire balance for two billing periods. The explanation does not make sense as the past due balance is less than {$200.00} and I am being charged interest on {$2200.00} that I paid in full. This is borderline unethical practices.

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 2019-07-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX of 2019 - The automatic payment of the Kohl 's card was updated. The new checking account was updated effective immediately ( email confirmation received ). On XX/XX/XXXX, the wrong checking account was used and therefore the payment was returned. Kohl's/Cap One didn't notify me of any issues. On XX/XX/XXXX, the Kohl's/Cap One automated payment once again tries to withdraw the payment from the wrong account. The payment was returned and the account was notated with an past due of 30 days. When I'm notified of the issue on XX/XX/XXXX, immediately contacted Kohl 's to notify them of the error while also making an immediate payment to the account to bring it to current. My checking account is also on my online account, therefore confirming my suspicion that it was an system error. The CSR that attended my call, documented all the information and told me to wait 30 days for my report to be updated. I told her I have emails confirming all the information ( including the email that states bank account change on auto-pay back in XXXX ).  45 days later, Cap/One send me a letter stating that they will not remove the 30 day late. This has caused extreme financial issues on my side as I was denied an car loan an month after because of the late report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: MN

Complaint narrative:
I opened a checking account using promo code XXXX using link XXXX which promised a {$300.00} bonus after I made two direct deposits that total at least {$1000.00} within 60 days. I received the bonus code via direct mail sent to my house. I opened my checking account using the required link and code. I completed direct deposits from my employer of {$1000.00} on XX/XX/19 and again on XX/XX/19. The bonus is supposed to post to my account within 60 days of direct deposit verification. 

I selected the account type available via the web link for the promotion. I notified USBANK and their response was ; " I can confirm that the promo code is present and direct deposits were credited to the within the timeframe required. But, the account was opened as an Easy Checking and the promotion is for Platinum accounts only. As that's the case I've upgraded this to a Platinum account. Since the account wasn't opened as an Easy one, I can't guarantee that the bonus will be provided within 60 days of the 2nd direct deposit.If that happens, please contact us again and we'll see if our back office Customer Care Unit will be able to assist with this situation. '' I never consented to have my account upgraded to a different account type that has higher minimum requirements and fees. US Bank changed my account type and did not provide the {$300.00} bonus to which I am entitled. I believe US Bank is telling me that they accepted my promo code but nevetheless may decide to not give me the bonus even if I go along with having my account type upgraded to a more expensive option (? ). This is a bait and switch tactic.

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