vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Citi Costco Credit card. On XX/XX/XXXX, I received an email saying XXXX, your Costco Anywhere Visa Card makes it easy and convenient to manage your recurring expenses. 

Plus, you'll earn more cash back rewards when you use your card to pay for expenses like utilities, memberships and/or streaming services. 

This note makes it sound like recurring charges earn more than the base 1 % cash-back. I contacted citi via their online chat service and communicated with XXXX on XXXX XXXX. According to XXXX, these cards to not offer more than 1 % on recurring charges like utilities and subscriptions, which is indicated in the email. 

Citi should send a correction or retraction of the email so people do not use credit cards for utilities or rent payments, because vendors frequently charge fees for the use of credit cards.

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 2019-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have two taken advantage of two promotions on my Bank Americard. The first promotion that I applied for several months ago ends in XX/XX/XXXX, at which point the interest rate will skyrocket. The second promotion, which I applied for just a couple of months ago, ends in XX/XX/XXXX. I have been making automatic payments of {$1000.00} a month which should have the first promotion paid off before the XX/XX/XXXX deadline, but BoA is using nearly all of my monthly payments to pay off the promotion that ends in XX/XX/XXXX first? This is unethical on so many levels I don't even know where to begin. Why can't my monthly payment pay off the first promotion first? I mean seriously, on what planet is this not an obvious attempt by BoA to force me to pay a higher interest rate by forcing me to pay off the second promotion first? This is not only unethical, but it's illogical, irresponsible, and downright dirty. 

I applaud things like your Neighborhood Builders program and your Veterans lending programs, but policies like this one that I've fallen victim to cast a dark shadow over your entire corporation in my humble opinion. I'm confident that you'll do the right thing and end this unscrupulous policy, for your sake, not mine. Do this for yourself, because poisonous policies that are designed to hurt your customers are only going to hurt BoA in the long term. Thanks for listening and have a great day.

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 2019-11-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
Pennymac USA has just imposed an arbitrary {$5.00} fee for payments made between the XXXX and the XXXX of the month. I believe this is a violation of the terms of the VA-backed mortgage contract which, of course, PennyMac bought the rights to service. Please investigate, and if I am correct and PennyMac is imposing an unlawful fee, take any and all punitive measures necessary to incentivize future compliance with contract terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I XXXX XXXX, desire to settle on my remaining collection accounts, and this is my third request for at the very least an offer of settlement. I am facing a serious financial matter where bankruptcy might be my only option. However, I am requesting a very low percentage settlement as I have excessive medical bills that are bringing me to a possible bankruptcy filing. I need a setter of settlement emailed to me as quickly as possible. I also submitted a power of attorney with my collection creditors, and this person can be of service in perhaps settling all of my creditors across the board. I request an immediate settlement offer. I request the services of not only debt buyers, but also from the original creditors as well. I demand the actual costs from each credit as to what the original debt was purchased for. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: HI

Complaint narrative:
In XXXX of this year I started receiving calls from a debt collection agency named Procollect based in XXXX Texas. They stated that I owed a debt in the amount of XXXX dollars from an apartment complex named XXXX in XXXX Florida. I informed them that I lived in XXXX Hawaii and could not have possibly rented an apartment in Florida. They asked for proof that I lived in Hawaii and I sent them a W-2 from my employer here in Hawaii which had my address from the previous year. About a week later I received a call from them stating that the proof was not good enough and they needed me to file a police report about identity theft. I told them that this was the one and only thing that popped up on my credit report and that it must just be a case of mistaken identity. I also informed them that XXXX Police had no jurisdiction in Florida and that in order to file a report I would have to physically go to Florida to file. This would cost around XXXX dollars to complete. They then stated that it would be the only way they would stop calling. I then contacted XXXX  apartments and spoke with their bookkeeper. She informed me that my name was not on file as owing a debt. I took her number down and contacted Procollect to have them contact this person. They refused and since then have called me a minimum of 3 times a week for the past 6 months.

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 2019-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: LA

Complaint narrative:
AMERICOLLECT INC is reporting to credit bureaus that I owe them money. I have asked several times to have this debt verified and for them to show me that i owe money to this company. They have failed to so. Despite this request they continue to report this false information. if this is not immediately removed from my credit i will be seeking legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I XXXX XXXX, desire to settle on my remaining collection accounts, and this is my third request for at the very least an offer of settlement. I am facing a serious financial matter where bankruptcy might be my only option. However, I am requesting a very low percentage settlement as I have excessive medical bills that are bringing me to a possible bankruptcy filing. I need a setter of settlement emailed to me as quickly as possible. I also submitted a power of attorney with my collection creditors, and this person can be of service in perhaps settling all of my creditors across the board. I request an immediate settlement offer. I request the services of not only debt buyers, but also from the original creditors as well. I demand the actual costs from each credit as to what the original debt was purchased for. 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 2019-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XXXX XXXX  attempted to contact me on XX/XX/XXXX. Alleged debt from Wells Fargo from XXXX. XXXX XXXX states they sent correspondence late XXXX, however did not receive it. Company threatened legal action unless payment was made immediately. XXXX XXXX sent an email via XXXX regarding the debt. I proceeded to fax correspondence to validate the debt and stop contacting via phone, only though US mail. Company contacted me directly and my employer on XX/XX/XXXX at XXXX CST. 
Company is in direct violation of FDCPA. When I called the main contact after I received the subsequent communication on XX/XX/XXXX ; whom I spoke with on XXXX ( XXXX XXXX ) she stated that they received the communication and would not send a debt verification as requested via fax and that she would see me in court.

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 2019-11-07 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: CO

Complaint narrative:
Equifax and XXXX  are reporting incorrectly a current balance due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and should be reporting a {$0.00} balance. XXXX  is reporting correctly on this account. I have attached a copy of payment statements to XXXX XXXX. This false reporting of a balance due is harming my credit report and these line items need to report accurate information. I have contacted the ( 2 ) bureaus to resolve this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi Contacted XXXX card  fraud dept and the fraud claim was withdrew account number ending XXXX and I spoke to the lead fraud investigator and she refused to assist me and wouldnt put this secured credit card back on my credit file with Experian and XXXX  and it was blocked on the credit bureaus end by error and Im trying to get this account reinserted back to my credit file and XXXX   refused to do so ... the account number is XXXX XXXX secured card with a XXXX limit ... ..is not being reported to Experian and XXXX  credit file and I need to have it back on there so I can add history to my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I XXXX XXXX, desire to settle on my remaining collection accounts, and this is my third request for at the very least an offer of settlement. I am facing a serious financial matter where bankruptcy might be my only option. However, I am requesting a very low percentage settlement as I have excessive medical bills that are bringing me to a possible bankruptcy filing. I need a setter of settlement emailed to me as quickly as possible. I also submitted a power of attorney with my collection creditors, and this person can be of service in perhaps settling all of my creditors across the board. I request an immediate settlement offer. I request the services of not only debt buyers, but also from the original creditors as well. I demand the actual costs from each credit as to what the original debt was purchased for. 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 2019-11-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
FCI is the servicer XXXX in the investor owner, was in a BK-XXXX my attorney XXXX it up, ( will complain to the state bar ) have asked FCI of payment history and ORIGINAL LOAN FILE PER RESPA am entitled to look at will go to FCI XXXX at FCI says call XXXX XXXX is the investor have been talking to, he says call XXXX at FCI?!?!?!? both pass the buck, finally my cousin received the payments history and BK PAYMENTS WERE NOT POSTED CORRECTLY PER FEDERAL BK LAW enclosed is history!!!!! Since XXXX and XXXX and XXXX at FCI dont want to comply submitting this first before paperwork being filed! WANT TO SEE ORGINAL LOAN FILE PER RESPA, have denied my modification, am dealing with a XXXX father, so my cousin is helping, but BK XXXX PAYMENTS WERE NOT POSTED CORRECTLY, and have asked why so many fees have paid other companys that had loan XXXX and were to drop balance but was sold! neither company can do right thing! WANT TO SEE ORIGINAL LOAN FILE! ( am in process of bringing current or will file PR-SE ON MY OWN!

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 2019-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
TRANSFINANCIAL was notified that this is not my debt. despite my request to prove to me that I owe them this money and their failure to proved this documentation, they have falsely reported this information to the credit reporting agencies. This needs to be removed from all bureaus immediately failure to comply will result in my seeking legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: CO

Complaint narrative:
XXXX  and Transunion are reporting incorrectly a current balance due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and should be reporting a {$0.00} balance. XXXX  is reporting correctly on this account. I have attached a copy of payment statements to XXXX XXXX. This false reporting of a balance due is harming my credit report and these line items need to report accurate information. I have contacted the ( 2 ) bureaus to resolve this however, I have not been successful.

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 2019-11-07 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: AZ

Complaint narrative:
I am a known ID theft victim of the 2017 Equifax data breach and they continue to report fraudulent information on my credit report resulting from that breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
I have repeated to XXXX that I turned all my accounts over to XXXX XXXX XXXX he just goes on to tell me he doesn't care there has ben no payment on this account since last XXXX he calls more than once a day either XXXX or XXXX my number or my husbands. Today XXXX, XXXX called my son at his job, who is a XXXX XXXX XXXX  XXXX XXXX.to ask about XXXX XXXX my husband and XXXX XXXX how to reach XXXX XXXX XXXX XXXX and independent of myself and my husband he is married and lives in another town. I don, t know how XXXX got information on XXXX whose last name is different I believe this is XXXX. 
XXXX Ph # XXXX ext.XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07 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: LA

Complaint narrative:
EQUIFAX HAS NOTIFIED THAT I DO NOT KNOW OWE XXXX XXXX   ACTS XXXX, ACT # XXXX AND ACT # XXXX DESPITE MY REQUEST TO INVESTIGATE AND FAILURE OF THE COMPANY TO DOCUMENT TO ME THAT I OWE THEM EQUIFAX HAS ALLOWED THESE TO STAY ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: TX

Complaint narrative:
Hi Contacted discover card fraud dept and the fraud claim was withdrew account number ending XXXX and I spoke to the lead fraud investigator and she refused to assist me and wouldnt put this secured credit card back on my credit file with XXXX  and XXXX  and it was blocked on the credit bureaus end by error and Im trying to get this account reinserted back to my credit file and discover refused to do so ... the account number is XXXX Discover secured card with a XXXX limit ... ..is not being reported to XXXX  and XXXX  credit file and I need to have it back on there so I can add history to my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07 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: TN

Complaint narrative:
Transunion is reporting incorrectly a collection/Charge-off in the amount of {$100.00} on XXXX account number XXXX. ( Please see page attached from my credit report. ) I cancelled this service in the time permitted by XXXX to do so however, XXXX still forwarded a bill to me even though this service was in fact cancelled. The representative I spoke with at XXXX acknowledged that the account had been closed and that remitting a bill to me was in error and I was assured that this account would not be reported delinquent on my credit report. Unfortunately, XXXX did not honor their agreement and now this account is reporting as a collection/charge-off on my credit report. I was told by the representative that they would contact the bureau and have this item immediately removed from my credit report. To date, this has not happened. This incorrect reporting of a false collection/charge-offXXXX is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to have this line item removed however, I have not been successful.

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 2019-11-07 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: MI

Complaint narrative:
TRANSUNION shows I have a collection on my credit report. The debt collection company is XXXX XXXX XXXX ( original creditor is XXXX XXXX XXXX ) in the amount of {$590.00}. 

The account was PAID IN FULL on XX/XX/2019. The amount paid was {$590.00} and the confirmation number received for the payment is XXXX. 

A dispute was filed with with Transunion via XXXX XXXX on XX/XX/2019 in an attempt to correct the erroneous credit report information. The File Identification Number for the dispute is XXXX. 

As of XX/XX/2019, Transunion has not yet responded to the dispute.

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 2019-11-07 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: LA

Complaint narrative:
XXXX  HAS NOTIFIED THAT I DO NOT KNOW OWE XXXX XXXX   ACTS XXXX, ACT # XXXX AND ACT # XXXX DESPITE MY REQUEST TO INVESTIGATE AND FAILURE OF THE COMPANY TO DOCUMENT TO ME THAT I OWE THEM XXXX  HAS ALLOWED THESE TO STAY ON MY CREDIT REPORT.

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 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX  HAS NOTIFIED THAT I DO NOT KNOW OWE XXXX XXXX   ACTS XXXX, ACT # XXXX AND ACT # XXXX DESPITE MY REQUEST TO INVESTIGATE AND FAILURE OF THE COMPANY TO DOCUMENT TO ME THAT I OWE THEM XXXX  HAS ALLOWED THESE TO STAY ON MY CREDIT REPORT.

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 2019-11-07 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: LA

Complaint narrative:
THE CREDIT REPORTING AGENCY HAS BEEN NOTIFIED THAT I DO NOT KNOW OWE XXXX. DESPITE MY REQUEST TO INVESTIGATE AND FAILURE OF THE COMPANY TO DOCUMENT TO ME THAT I OWE THEM THEY HAVE ALLOWED THIS TO STAY ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation