vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
In XX/XX/XXXX, I received an invitation to sign up for the NO ANNUAL fee Gold Delta SkyMiles credit card for XXXX XXXX employees and retirees. On XX/XX/XXXX I contacted American Express to sign up ( see enclosures for noted time, date, employee name and employee # whom I had spoken too ). On my XX/XX/XXXX billing statement, you showed a {$95.00} annual fee which I deducted from the payment believing it was billed in error. Subsequently, the annual fee occurred on my next billing statement. Reluctantly I made payment and then contacted American express. After 5 + weeks with no response from you I again withheld payment. I finally received a reply from your company in a letter dated XX/XX/XXXX. In your letter, you addressed a promotional offer that had absolutely nothing to do with the original promotional offer I received. Example, you state that bonus miles awarded after making {$2000.00} in purchases, please show me where in my offer that number appears, I show {$1000.00}. Also, you state members are eligible for a Single welcome bonus. If you read the promotion offered to me it clearly states PLUS No annual fee. American Express has continually billed me late fees the last 6 months even after I paid the annual fee. Consequently, this has had an effect on my Credit!! My balances on my accounts with American Express have always been paid in full monthly!! I have now learned that American Express has canceled my account. I have accumulated SkyMiles on that card that is close to XXXX points. I have patiently waited for a response to be made from AX, but as you can see in the attachments they are electronically prepared, they incorrectly address the issue, and when they do, the information is not even correct!! The last response received from AX was dated XX/XX/XXXX ( see attachments ) you will see an award of XXXX bonus points on XX/XX/XXXX, which is incorrect. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ( retired )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Ongoing-since XX/XX/2007, use of multiple illegal monitoring privacy financial methods and used practices to have cause years of financial burdens, caused/forced fraudulent transactions, with all banks since XX/XX/2007. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. Each account where monitored with or without presumed permission by employees with each bank spreading personal financial account information while tracking location, prior to purchases, as well as short times of not affecting or influencing any monetary transaction through the years. Causing extreme monetary losses, thefts, price gouging, even this new evidence where most agencies contacted through the years for assistance went with complete failure or apprehension of such ongoing years of financial losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: Medical Data Systems, Inc.
State: PA

Complaint narrative:
On or around XX/XX/2018, I became aware of Medical Data Systems furnishing negative information to my credit bureau report concerning an alleged past-due medical bill in the amount of {$75.00}. Upon contacting Medical Data Systems, I was directed to the billing offices of XXXX   Hospital to verify the information provided. While contacting XXXX, I spoke with a helpful woman by the name of XXXX ( spelling of this name may be incorrect ) who advised me that XXXX  sent the initial statements to an incorrect address ( where I have not resided for 9+ years ), and that upon payment the negative entry to my credit bureau report would be COMPLETELY DELETED - she advised me that a woman named XXXX XXXX at Medical Data Systems would be personally deleting the entry. Upon receiving this information I submitted payment in full to MDS on XX/XX/2018. Upon calling to verify that the entry was submitted to the reporting agencies for deletion, I was advised it had not and advised to call XXXX 's office again. I contacted XXXX and they, again, assured me that they would work the problem out with MDS. Waiting a week, I then contacted MDS yesterday to speak to this XXXX XXXX and was transferred to a collection floor representative 's voicemail repeatedly over a period of 2+ hours. At this point, in addition to the mis-information provided, I also have issues regarding the Fair Credit Reporting Acts violated by Medical Data Systems and, by extension, XXXX Hospital due to CBR reporting without initially validating the alleged debt in question.

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 2018-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GreenSky, LLC
State: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, I NOTIFIED XXXX CREDIT BUREAU, THEY WERE SENT NUMEROUS TIMES FCRA 605B, MY IDENTITY THEFT POLICE REPORT, MY ID, EVERYTHING THAT IS REQUIRED TO HAVE AN ACCOUNT THAT IS ON MY XXXX  CREDIT FILE THAT IS A DIRECT RESULT OF THE IDENTITY THEFT I SUSTAINED, THEY REFUSED TO REMOVE IT. THE ACCOUNT IS FROM A COMPANY XXXX XXXX AND I ASKED WHY THEY KEEP ON LEAVING IT ON MY FILE, THEY SAID BECAUSE THE COMPANY XXXX XXXX XXXX KEEPS ON REPORTING IT TO US AS A GOOD ACCOUNT, SO I SENT XXXX XXXX  A LETTER AND A COPY OF MY POLICE REPORT FOR ID THEFT AND THEY STILL REFUSE TO REMOVE IT. THE FCRA STATES ONCE A CONSUMER ADVISES YOU THAT THERE IS A FRAUDULENT ACCOUNT ON THERE REPORT AND HAS PROOF THAT IT IS LIKE A POLICE REPORT STATING JUST THAT THEN YOU HAVE 4 DAYS TO REMOVE IT, OR YOUR IN VIOLATION OF THE LAW OF THE FEDERAL GOVT. NOW I DIDNT MAKE THE LAW, BUT I WANT THE LAW ADHERE TO NOW!!! I WANT THAT ACCOUNT BLOCKED FROM MY CREDIT REPORT ( XXXX ) AND NEVER PIT ON THE REPORT AGAIN ... SO I WANT XXXX   CREDIT BUREAU AND XXXX XXXX XXXX TO HAVE THIS REMOVED IMMEDIATELY ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: CO

Complaint narrative:
Checked my credit report XX/XX/18 and noticed a collection account of {$73.00} placed by EOS CCA for an unpaid XXXX bill. I called and got my account number - XXXX. I called XXXX to verify the information because I have never been a customer or had an account with them. XXXX checked the account number, my name, DOB, SSN, address etc., and could not find anything associated with myself and they said the account number had never been active. They also told me that they do not turn over their collection accounts to EOS CCA. 

I called EOS CCA back and spoke to XXXX who claimed he was a manager. He was very hostile and told me that if I didn't pay this account today they would " sue my XXXX off ''. I asked him to verify the identity of the person associated with my account and he refused, he just assured me that it was mine. He repeatedly asked me to give him my social security number which I refused to do. I told him that if this account was actually associated with me they should have my SSN already. He also refused to give me any information like his last name, employee ID number or send me to a higher level manager. When I told him that I verified the information they had with  XXXX and that it was indeed a fake account and that XXXX does not give their accounts to EOS he hung up on me. 

I had never received a call or any correspondence from EOS CCA regarding this account, I just happened upon it when checking my credit report. I disputed this account with the credit bureaus and it was quickly removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: ME

Complaint narrative:
Credence Resource Management XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Alleged Balance Owed : {$52.00} Original Creditor : $ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Revenue, Inc.
State: ME

Complaint narrative:
Eastern Revenue Inc XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX Alleged Debt Owed : {$54.00} Original Creditor : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: VA

Complaint narrative:
In XX/XX/2018 my student loan provider, Nelnet, contacted me via email regarding a change to my payment plan and that unless otherwise directed they would be putting the full amount of my payment toward my highest loan amount. The problem with this is that the interest on the other loans was not being paid down first so when I received my account statement in XX/XX/XXXX my total balance had increased by over {$50.00}. 

I contacted Nelnet customer service via phone on XX/XX/2018 and asked them to change my payment allocation back to the old payment method. When I brought up the email from XX/XX/XXXX, they claimed to have no record of this change and their excuse for changing my payment allocation was to help me pay off my loan faster. When I pointed out my loan amount had actually increased due to this change the customer service rep argued with me that it would in fact help pay off my loan faster as if sticking to some sort of script or talking points. After a bit of back and forth the rep did change my loan back to spreading my payment evenly across all loans. 

That is until this payment period of XX/XX/2018 when I noticed that once again the payment had been made to my highest loan amount and allowed interest to accrue on the other loans. This was done without my knowledge or consent and I will be seeking legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
I am under a monthly payment contract with XXXX XXXX XXXX. I have enclosed a copy of the contract for your review. I have NEVER been late making payments under the terms and conditions of the contract, therefore I have not breached the contract. I have complied with the terms and conditions of the contract. The contract does not end until XX/XX/XXXX. XXXX XXXX XXXX BREACHED the contract by involving Harris & Harris. The contract states that " this contract is valid unless I cancel through written notice to the facility. '' I do not owe XXXX XXXX XXXX any money nor have I ever paid them any money nor I have ever received any notice stating that I owe XXXX XXXX XXXX any money. I want the fraudulent collection account posted to my credit reports on XX/XX/XXXX listed by Harris & Harris in the amount of {$6500.00} removed immediately from my credit reports with XXXX, XXXX and XXXX. I have also enclosed proof of payments made directly to XXXX XXXX XXXX under the terms of the contract. I would totally understand if I had broken the terms of the contract by failing to make timely payments or by not paying the full amount due by the end of the contract, however, I HAVE NOT! The monthly payments have been made by automatic deduction from my credit card account, I have the credit card statements for proof of payments made directly to XXXX XXXX XXXX. The original bill was {$19000.00}. I am happy to continue my monthly payments to XXXX XXXX XXXX under the terms and conditions of the payment contract and to make sure the full amount is paid off before my contract ends in XX/XX/XXXX. All I ask in return is to have the fraudulent collection account listed by Harris & Harris removed from my credit reports. I contacted XXXX XXXX XXXX on XX/XX/XXXX and spoke with XXXX regarding the contract, she stated that she was not willing to resolve the issue and transferred me to the voice mail of XXXX ( account manager ). I left a voice mail with XXXX and as of XX/XX/XXXX she has not responded. I have already had a creditor take negative action due to the fraudulent collection account on my credit reports by reducing the credit limit on my XXXX XXXX credit card form {$17000.00} to {$1000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: NY

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 will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A credit card account, previously charged off, was settled with XXXX XXXX as agreed. [ See attached letter from XXXX XXXX ]. XXXX XXXX has requested that credit bureaus do update this account to reflect that no balance is owed. 

Despite XXXX XXXX request, Trans Union and XXXX have refused to do update this account.

I am requesting that Trans Union and XXXX update this account to reflect a balance of XXXX   since the account has been settled and nothing is owed.

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 2018-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
I had a membership contract with XXXX XXXXXXXX, and before signing up with the sales person, I had mentioned that I had just gotten out of XXXX XXXX from previous injuries, so if anything were to happen, if I could cancel my membership on the spot. He said as long as I have a doctors note, I can cancel right away it without any hidden fees. 

I had gotten injured not too long ago from my work, which my doctor had written a note saying that I can no longer box anymore. I went to cancel my membership but they still insist on charging me for another 2 months, as the lady told me just come in and watch at least because you cant cancel your membership right away. They even have on record for the times Ive clocked in, and Ive only been there about 7 times since XXXX due to my injury. They wouldnt pause my membership either as they said I had to pay {$10.00} every week if I did so. 

Ive even filed a dispute with my bank, and they sided with me after I told them what was going on. The bank had refund me for the months they had charged me, but XXXX XXXX add the disputed amounts back to my bills saying that I owed them back. I called the payment collectors ( the number that was given to me if I had any questions regarding the bill ) and told them my situation. They said if it had gotten disputed, then it shouldve been resolved already and that I wouldnt have to worry about any debt collections, and that my contract shouldve been taken care of. 

Now, I had just received a letter from Transworld Systems Inc., an attempt to collect a debt from a debt collector. Im not sure what to do at this point because I feel like Im being scammed by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: CITIBANK, N.A.
State: OK

Complaint narrative:
I currently have a fraud alert with XXXX. I was notified by XXXX that a company pulled my credit report to open an account without my consent or contacting me. This is a fraudulent attempt to obtain credit in my name without my consent. This company did not call me before pulling my credit report. I would like a copy of this application that has my information on it. I would also like this company to be reported for fraudulent activity. How do I get a copy of the application that was used to attempt to obtain credit in my name? This affects my credit score which costs me more money to obtain credit. 

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 2018-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX, ~XXXX PST - went into Bank of America branch ( XXXX XXXX XXXX , CA ) to get added to my wife 's existing Bank of America checking/savings account. 
My profile was set up under her account, however when the teller went to " join '' me to my wife 's existing account, a Risk Flag popped only providing the limited information that Bank of America has flagged me as having a prior charged off account and I am not able to have any accounts with Bank of America.

This is concerning as I have never had any relationship with Bank of America,  nor have I had any charged off accounts anywhere else. My first thought is this could either be a result of identity fraud ( recently out of the XXXX so my SSN is at higher risk for being exposed ) or a mixed file at Bank of America as my name is very common ( I've had previous issues of mixed files with the CRAs ). 

As next steps I have done the following to try and understand what information the bank is seeing that may be causing this risk flag on my name. 
- XX/XX/XXXX - XXXX Pulled all three consumer bureaus from XXXX to check to see if anything fraudulent or derogatory was showing up on any of my bureaus. I have a clean credit report, higher than average score and never had any issues getting loans or credit elsewhere. 
- XX/XX/XXXX - XXXX PST Called into BOfA Fraud number - spoke to agent for 15 minutes ; agent suggested calling the XXXX that BofA uses for Charge Offs/bad debt as well as the Credit Card charged off group and provided multiple phone numbers. 
- XX/XX/XXXX - XXXX CST Called XXXX , spoke to agent and a supervisor for 35 minutes. XXXX has no record of me in their database. Said they would send the XXXX report via postal mail. 
- XX/XX/XXXX - XXXX PST Called BofA checking/savings group and spoke to an agent for 10 minutes. Recommended 3 additional phone numbers to try and call ( Recovery Services - XXXX, Risk Acct Closure - XXXX, Credit Cards - XXXX ). 
- XX/XX/XXXX - XXXX PST - attempted to call general BofA line to attempt to get some sort of escalation or to another group. Spoke to an agent for 8 minutes and was given yet another phone number for Risk Acct Closure. 
- XX/XX/XXXX - XXXX PST - called Risk Acct Closure group to yet no avail. Spoke to that agent for 9 minutes and wouldn't you know, that agent recommended I call the Fraud group ( the first group I called back on XX/XX/XXXX ). 

All I want to understand is what is causing this " high risk '' flag on my profile that's keeping me from having an account at Bank of America. I'd like the opportunity to clear my name so that this doesn't potentially cause any future issues in the instance of a mortgage or car loan. Bank of America keeps sending me in circles and won't help me so I'm filing this complaint.

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 2018-08-14 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Re Barclay card XXXX XXXX Plus Rewards card ... I received a text message about possible fraud on my account and replied that the charges were fraudulent. My son was overseas and a company listed as XXXX XXXX in XXXX, XXXX repeatedly charged enormous amounts of more than {$2700.00} on his cc which is linked to my primary account.I have checked this company and they have multiple claims against them and class action lawsuits for this type criminal behavior and worse! They had the card with the chip and repeatedly charged the card before returning it to my son.Barclay card should have had a security protocol that prohibited such large charges overseas until I replied to their text to confirm their validity or lack there of. Every other cc dies this in this day and age of scammers. By the time I replied to the text message that Those charges were unauthorized, it was too late for barclay card to care! Barclay card customer service was rude and robotic and once the merchant produced signatures that anyone can forge once they have one signature, that was good enough for barclay card. They closed the case and instead of backing up me as the consumer backed up the criminal merchant and insisted I pay for fraudulent charges on my card.

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 2018-08-14 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Hope you are well.

We have had a GM loan on XXXX XXXX XXXX XXXX for 3 years. As of XX/XX/XXXX we owed approximately {$19000.00} which we paid off. The title was released after about a month. The credit report incorrectly shows loan still open and not paid off. This is interesting because if we had traded for another XXXX and financed with GM again it would have adversely affected our credit terms. This is neither fair or legal in my eyes. They seem to have a lot of undue manipulation in my credit report as well as my husbands. It shows that we owe {$40000.00} to GM and we owe {$0.00}. I expected GM to remove this as an open obligation and disputed 2 months ago. They will not respond. The truck has been paid off since XX/XX/XXXX, that is 5 months. Can you please assist? 

Regards, XXXX

Company response to consumer: Closed with non-monetary relief