vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-19 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: KY

Complaint narrative:
XX/XX/19 purchased a washer and dryer from Best Buy using a " promotional period of 18 months ''. They did not explain that the payments I would be making would not be directed toward the promotional balance until after I noticed that none of my payments were being directed to that balance. Apparently, because they raised my limit in order to purchase these items, they made my minimum payment over {$1000.00} and until that payment was reduced none of the payments were credited to the promotional balance. The purchased items totaled almost {$1700.00}. Since the purchase date, XX/XX/2019, I have made {$1300.00} in payments with none of these payments directed toward the promotional balance. I feel these promotional advertisements are VERY misleading. They lure you in with the promise of no interest for 18 months on a purchase without informing you at the time of purchase how that " promotion '' actually works. I have noticed several complaints concerning the same issue over the past few months. I wish I had been diligent enough to do my homework concerning this " advertisement '' before I made the purchase. However, I believe this is an unfair practice on their part by not informing the consumer before the purchase is made how the " promotional balance '' is paid ( or not paid ).

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 2019-09-19 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: FL

Complaint narrative:
My personal information had been stolen and account had been open in my name, I have been a victim in recent and passed data beaches, I had file an id theft report with the FTC, and I'm requesting these information to be block from 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 explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Trans World Services has been calling me for 4 years to collect a debt by a person that previously had my phone number. I tell them every time that they have the wrong number and they continue to call me. I am getting phone calls with an increasing frequency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: FL

Complaint narrative:
My personal information had been stolen and account had been open in my name, I have been a victim in recent and passed data beaches, I had file an id theft report with the FTC, and I'm requesting these information to be block from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Rapid Auto Loans LLC
State: FL

Complaint narrative:
Paid it off but they keep sending threats by automatic tweets. Have requested them to stop but they continue daily sometimes twice daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: FL

Complaint narrative:
My personal information had been stolen and account had been open in my name, I have been a victim in recent and passed data beaches, I had file an id theft report with the FTC, and I'm requesting these information to be block from 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 explanation
Consumer complaint received 2019-09-19 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: ARS National Services, Inc.
State: FL

Complaint narrative:
My personal information had been stolen and account had been open in my name, I have been a victim in recent and passed data beaches, I had file an id theft report with the FTC, and I'm requesting these information to be block from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To Whom it May Concern- As part of my divorce settlement on ( date ) I took a HELOC with Bank of America in the amount of {$45000.00}. 
In XX/XX/XXXX my current wife became sick and was diagnosed with XXXX XXXX XXXX XXXX XXXX, I got laid off after working at a company for 14 years. As a result of her diagnosis she was no longer able to work and was eventually placed in XXXX care. I got another job making less that I was making, I've always prided myself with paying my bills on time so as the stress and financial strain got worse I requested a modification but BOA refused. It was very difficult but I continued to make my payments every month and I continued to ask for a modifications but I was continually denied. Finally in XX/XX/XXXX the financial burden was too great and I could no longer keep up the payments on the HELOC. Eventually I received notification that the HELOC had been charged off but recently I was served a summons from BOA. They are suing for the balance owed. I am writing to you as I do not believe that BOA acted in good faith. I expressed to the bank that I was in an extreme hardship but they would not work with me and to add insult to injury they are suing me? My wife has been in and out of treatment since XX/XX/XXXX and is currently about to do yet another round of XXXX. We are both exhausted and desperate and need any help that you can provide.

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 2019-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I recovered a old Paypal account and noticed I have remaining funds on the account. Since I no longer use the account I wanted to withdraw and close the account but the system would not allow me to receive a check. The error I receive is " Sorry, there's a problem. If you keep seeing this, please contact customer service. '' I contacted customer service by phone on XX/XX/2019 and stated because my account is restricted I can not cash out. Paypal is holding my own money hostage and basically stealing my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
We have had our mortgage with Loancare since XX/XX/XXXX and are in the process of selling our home and purchasing another. When I called to make our XXXX payment, I was not able to use the automated system and was sent to a customer service representative who proceeded to tell me that there was a partial payment that had been made on XX/XX/XXXX, that had bounced back, which was not at all the case. I went round and round with this person and then was handed off to three more people, who did not have any idea what had occurred with my account. This made me very uneasy as I thought that perhaps there was some fraudulent activity. I made my payment that day and never heard back from Loancare in regards to what had transpired. Fast forward to yesterday, when our lender for the new home called to tell me that we had a 30 day late payment show up for XXXX with Loancare. I called them and once again was given the run around. I have verification that they reported us as on time to the credit bureaus on XX/XX/XXXX, as I check my XXXX XXXX profile all of the time. What ended up happening is my husbands uncle paid our XXXX mortgage to help us bridge the gap financially as we had a long road in regards to selling our home. I found out YESTERDAY that payment had bounced back and created a domino effect. I did not receive one piece of mail from Loancare, nor did I receive a call regarding this, at any time, prior to piecing it together yesterday, XX/XX/XXXX. They conducted an internal investigation on our account on XX/XX/XXXX, I spoke with them a week later to make my payment and they reported on XX/XX/XXXX that we were current. All I want is for the late payment to be removed from my lenders report and would like a letter from them acknowledging that it has been removed. We are set to close on our home sale on XX/XX/XXXX at that time this loan will be paid in full. 

As you will be able to see with the attached documents and screen shots, there was zero communication regarding the XXXX payment bouncing back. I have a statement dated XX/XX/XXXX showing that we had the XXXX mortgage due by the end of the month. There is nothing on this statement showing a past due payment. The screenshots that I have attached are from last night and today, showing that we are current and that they reported this 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 2019-09-19 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: GA

Complaint narrative:
I have been requesting investigation of inquiries on my Equifax credit report since XX/XX/2019 due to me being a victim of identity theft. These inquiries still have not been deleted/blocked from my Equifax credit report and every time I send a written letter there has not been a response. With FCRA it states if there is no response in 30 days those items have to be removed. I did not make any transactions or make any inquries with those companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Home Loan Center, Inc.

Complaint narrative:
XXXX has been hounding me for ages, and it reached a point where they claim I have a debt. I am not sure when this dates back to, the earliest email I still have from them dates back to XX/XX/XXXX, which is a welcome email, but it feels longer, and I may have deleted prior emails. It reached a point where they state I had eight unconfirmed accounts and emails that I had a {$2200.00} Credit Card debt ( XX/XX/XXXX ). A strange email arrived in XX/XX/XXXX congratulating me for paying off my loan, but was soon followed by more claims that I still had the same debt. My attempts at unsubscribing from what I first assumed was spam, were impossible. Their site always gives an error every time I try, and the only email I managed to send ( XXXX ) was unanswered. 

Yes, this could be an attempt of identity theft, but unlikely, because it is not well done. For a start, they use my name XXXX. XXXX is my middle name, one that I use on a day-to-day basis, but not on anything official. Anything official, such as credit cards, would use my first name, which I am reluctant to write here at risk of increasing my exposure. Some years ago, after the XXXX depression, through to about XXXX, maybe, I was seriously interested in buying a house on the low market, and made contact with numerous brokers, through the XXXX app. I over-analyzed and missed the boar, and gave up the idea, never going beyond inquiries. In those contacts, I would probably have signed as XXXX, and my details may have then somehow reached XXXX through some unprofessional broker. 

The thing is : I do not live in the US, never have. I have traveled there on several occasions. I have never incurred any debt that I am aware of. If I owed traffic fines or car rental companies, the debts would be small, and would come under my first name because that is the name on my credit card. 

My email is being passed on to others, without regard for privacy. Today I received emails from two firms offering to help with my so called debt, XXXX XXXX and Upgrade. I have written back to both, asking them to stop. XXXX XXXX webpage is inaccessible, gives an error page. 

I attach several relevant screen shots of some of the emails received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Everest Receivable Services Inc.
State: NM

Complaint narrative:
This company is repeatedly contacting my parents on their unlisted cell phone numbers. This needs to stop.

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 2019-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Certegy Holdings, LLC
State: TN

Complaint narrative:
I received a Consumer File Disclosure Report from Certegy Payment Solutions , LLC on XX/XX/2019. 

It indicated that I had attempted to cash a check at XXXX XXXX for {$300.00} on XX/XX/19. The check number was XXXX. The recommendation to the client was " Not authorized-reason below ''. 

" This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines, which may vary by check cashing location and transaction. Failure may include a combination of : the check number, dollar amount, check cashing history, or other transaction details. '' I called Certegy and advised them that I did not attempt this transaction and asked that it be investigated and then removed. I had indicated to them that I had had identity theft, but even with that said, I did not do this transaction. 

I haven't heard anything back from them.

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 2019-09-19 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: FL

Complaint narrative:
I have attached information pertaining to the problems with my Equifax credit report. I have been disputing these problems with Equifax and the associated companies involved for more than a year now and everything always come back as verified. The errors that I am reporting are violations and truly makes no sense but it is still reporting as Accurate and Verified. I am asking that all the accounts that I am seeking your assistance with be removed from my Equifax Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Convenience check returned for insufficient funds by credit union Being charged bounced check charges and refusal by Citibank to correct errors even though charging for transactions and balance Money has still not been transferred to my 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 2019-09-19 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:
My older brother tried to dispute his name, SSN & DOB to be corrected in Equifax. However, instead of creating a new profile for my brother, they DELETED MY name, SSN, & DOB in Equifax system & entered HIS name, SSN, & DOB along with HIS home address in MY credit file. This caused my name, DOB, SSN, & current home address being wrongly entered. I am unable to dispute to have it returned back to my personal information as they stated it is correctly entered in their system. This is fraudulent information. All of these credit history do not belong to my brother. They all belong to me. Now it does not show that I have any record with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
This company is repeatedly contacting my parents on their unlisted cell phone numbers. This needs to stop.

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 2019-09-19 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:
I have been a longtime holder of American Express credit cards. Certain of these cards earn Membership Rewards points, which can be transferred to airline miles programs and used to redeem flights. On XX/XX/XXXX, I attempted to transfer XXXX membership rewards points to XXXX. I need these points to book a long-planned family vacation. When I attempted to transfer the points ( as I have done many times in the past ), I received a message that I was unable to do so because my account is under investigation and has been locked. 

I called to investigate, and nobody would give me any information despite my repeated attempts. The only information they could provide was " my account was locked by corporate, '' " they do not know why, '' " it is impossible for me to speak with anyone in corporate, '' and " I should expect to hear more in 6 to 8 weeks or longer when the investigation is complete. '' This is crazy. I need to use these points now or my family will be unable to go on our long-planned vacation. There is no basis whatsoever for withholding my points. I imagine AmEx will eventually figure that out, but forcing me to wait an indefinite period without access to my earned points in unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX OH XXXX. PLEASE DELETE REMOVE THE FOLLOWING : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2002 XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX. 
I would like a new report sent with my information updated correctly.

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 2019-09-19 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: OH

Complaint narrative:
I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX  XXXX OH XXXX. PLEASE DELETE REMOVE THE FOLLOWING : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2002 XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX. 
I would like a new report sent with my information updated correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19 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: IL

Complaint narrative:
I have been disputing a Negative XXXX XXXX account that's on my credit report for 1 1/2 year now. Experian states " This account is scheduled to continue on record until XX/XX/2019 ''. It is XX/XX/2019 and it reported this month I want it Removed within 15 days off my credit report. I uploaded poof in the picture that Experian need to remove it.

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 2019-09-19 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA credit card company withdrew my payment of {$460.00} twice, one on XX/XX/2019, and then another {$460.00} on XX/XX/2019. After a long communication back and forth, the unauthorized withdraw of {$460.00} by BBVA on XX/XX/2019 was finally reversed to my BBVA bank ( checking account ) on XX/XX/2019. However, also on XX/XX/2019, BBVA billed {$460.00} to my credit card account, and kept telling me to pay this {$460.00} to them. There is no reason I still owe BBVA {$460.00}, and BBVA is unwilling to remove this {$460.00} from my balance, and they can not provide a reasonable explain why this {$460.00} charged to me.

Company response to consumer: Closed with monetary relief