vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-05 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In late 2016 I received an email from XXXX XXXX XXXX offering me XXXX bonus airline miles if I got their credit card and spent $ XXXX dollars with it within 3 months. Before applying, I called them to verify that I was eligible for the promotion, since I knew I 'd had a similar card at some point in the past. I was assured that I was qualified for the miles. I got the card and spent the money, noticing some time later that I had no bonus miles. 
I called XXXX XXXX XXXX to complain, they told me that I was NOT qualified for the miles, since I 'd had the same card in the last 3 years. They explained that they did not positively verify eligibility in advance, only AFTER customers get the card and charge the required amount. I feel this is fraudulent advertising. I cancelled my card immediately. 
Only now, XXXX XXXX XXXX has again sent me an email saying I could get the same bonus miles with the same card. This is something both they and I know I am NOT qualified to receive. This is a fraudulent offer. I 've attached a screenshot of the email I received today. It includes my XXXX member number as a reference. I 've also attached the final bill from my cancelled 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 non-monetary relief
Consumer complaint received 2017-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have a credit card with Capital One and they are really bad about helping customers with a late fee of {$25.00} for a payment that was one day late. This fee keeps me from reducing my balance I spoke to someone in the customer service one time a while back and they had no problem removing that fee but today I called and the man said he could n't do it. His computer would n't allow him to do it. I have done customer service for 11 years and I know we had a override to change a fee for customers. That is the thing companies should do to keep happy customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 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: OH

Complaint narrative:
On or around XX/XX/XXXX I was reviewing my credit report and I seen several errors on my report. My U.S. Bankruptcy Discharged was final on XX/XX/XXXX.  There are several accounts still showing that need to be removed. I am sure it was just a misshapes that it was not properly updated correctly. I have attached a copy of my 1.PHOTO ID 2. Bankruptcy Case # XXXX XXXX. Judge XXXX XXXX XXXX. 
3. ATTY : XXXX XXXX XXXX 4. PHONE : XXXX. 
5. ACCOUNT TO BE REMOVED ( SEE ATTACHMENTS ) 6.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 2017-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
On XX/X/17 I received a notice in the mail for an alleged amount due of {$600.00} to XXXX. I have no idea what this is. Per FCRA, please provide validation of this alleged debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: KS

Complaint narrative:
I began receiving notices about this alleged debt in late XX/XX/XXXX from two different debt collections agencies. After written correspondence with one collector, they dropped the debt as they were not able to explain to me any sort of verification that it was valid. Since then, I have sent certified letters on multiple dates throughout XX/XX/XXXX & XX/XX/XXXX to ARS trying to get the company to verify this debt as it is reporting on my credit files. The company has only responded with automated letters without providing me any information about the alleged debts. Thus far, as of XX/XX/XXXX, the company has stopped responding to my letters.

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 2017-11-05 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: DISCOVER BANK
State: NC

Complaint narrative:
I noticed the money owed to my Discover card was not going down, plus I had not used this card in several years. I called them and they told me I was being charged the highest interest rate because all I owed them was from cash advances. I told them less than half what I owed was cash advances but they told me I was wrong. I asked them to check my records and see. They told me they could only go back 18 months and since I had not used the card in the last 18 months they could n't check back. They told me they could suspend the card for one year and charge the lower rate for that period of time. That year is about up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: FL

Complaint narrative:
XXXX : Fraud Case XXXX ; XXXX Case # XXXX ; XXXX Case : XXXX ; XXXX XXXX # XXXX This is an open Fraud Case against XXXX, a bank that knowingly cleared a fraudulent check into my checking account. 

I have submit a complaint before regarding this issue and XXXX is well aware of their representatives admitting to clearing the fraudulent check on recorded calls. I started off by speaking with XXXX XXXX, their so-called Fraud XXXX, that did not even care to see the documents nor the case number filed with the XXXX XXXX 's Department. 

XXXX were several " XXXX Agents '' that finally submit my complaints to XXXX of XXXX, XXXX XXXX ( XXXX ). XXXX XXXX stated she would review all calls and pretended to understand my disgust with a bank that knowingly cleared a fraudulent check and then took a child support payment and refused to return it despite the legal investigations underway. 

The investigations are still underway since it the fraudulent funds were cleared over state lines and I have received a notice from an ill-advised XXXX XXXX XXXX XXXX # XXXX regarding the debt that XXXX is responsible for clearing. 

I will also submit a separate complaint against XXXX since they apparently feel it is acceptable to harass consumers that have been cheated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On my TransUnion report there is a late payment being reported by XXXX XXXX XXXX XXXX for a car payment..this is incorrect..I have never missed a payment..I spoke with the bank and was told to contact TransUnion about this issue ... I believe there was some confusion when my car got paid off by my insurance and Gap insurance.. none the less I have never missed a payment and would like for this issue to be corrected.

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 2017-11-05 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: OH

Complaint narrative:
On or around XXXX XXXX XXXX I was reviewing my credit report and I seen several errors on my report. My XXXX XXXX XXXX XXXXas final on XXXX XXXX XXXX. There are several accounts still showing that need to be removed. I am sure it was just a misshapes that it was not properly updated correctly. I have attached a copy of my 1.PHOTO ID 2. Bankruptcy XXXX # 2:17-BK-51306 XXXX. XXXX XXXX XXXX XXXX. 
3. ATTY : XXXX XXXX XXXX 4. PHONE : XXXX. 
5. ACCOUNT TO BE REMOVED ( SEE ATTACHMENTS ) 6.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 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: OH

Complaint narrative:
On or around XX/XX/XXXX I was reviewing my credit report and I seen several errors on my report. My XXXX XXXX Discharged was final on XX/XX/XXXX. There are several accounts still showing that need to be removed. I am sure it was just a misshapes that it was not properly updated correctly. I have attached a copy of my 1.PHOTO ID 2. Bankruptcy XXXX # 2:17-BK-51306 3. XXXX XXXX XXXX XXXX. 
3. ATTY : XXXX XXXX XXXX 4. PHONE : XXXX. 
5. ACCOUNT TO BE REMOVED ( SEE ATTACHMENTS ) 6.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 2017-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
For last year I tried many times to get XXXX to my account information for previous years ( 2005 and up ), I have XXXX only for last two years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
SUNTRUST : Fraud Case XXXX ; XXXX Case # XXXX ; SunTrust Case : XXXX ; XXXX Ref # XXXX This is an open Fraud Case against SunTrust, a bank that knowingly cleared a fraudulent check into my checking account. 

I have submit a complaint before regarding this issue and SunTrust is well aware of their representatives admitting to clearing the fraudulent check on recorded calls. I started off by speaking with XXXX XXXX, their so-called Fraud Specialist, that did not even care to see the documents nor the case number filed with the XXXX Sheriff 's Department. 

Next were several " Recovery Agents '' that finally submit my complaints to VP of Recovery, XXXX XXXX ( XXXX ). XXXX XXXX stated she would review all calls and pretended to understand my disgust with a bank that knowingly cleared a fraudulent check and then took a child support payment and refused to return it despite the legal investigations underway. 

The investigations are still underway since it the fraudulent funds were cleared over state lines and I have received a notice from an ill-advised Debt Collection AgencyXXXX XXXX # XXXX regarding the debt that SunTrust is responsible for clearing. 

I will also submit a separate complaint against XXXX since they apparently feel it is acceptable to harass consumers that have been cheated.

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 2017-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Professionals, Inc. (Macomb, IL)
State: IL

Complaint narrative:
XXXX threatened to sue me for this debt while I was attempting negotiate a settlement. XXXX had no interest in working on a settlement and I paid the entire balance, however, Collection Professionals refuse to remove this medical collection from my credit reports. Please manually delete this item from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 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: MI

Complaint narrative:
I have sent two certified letters demanding the following accounts be verified and validated or removed immediately. I have received no response or removal of the items from TransUnion. I have sent these requests via certified mail and these requests were received by them. I have also waited in a timely matter for a response. I now demand that the following accounts be deleted and removed from my TransUnion credit report : XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 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: MI

Complaint narrative:
I have sent two certified letters demanding the following accounts be verified and validated or removed immediately. I have received no response or removal of all the items from Experian. I have sent these requests via certified mail and these requests were received by them. I have also waited in a timely matter for a response. I now demand that the following accounts be deleted and removed from my Experian credit report : XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX 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 2017-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I filed a dispute with transunion regarding a credit care balance that was affecting my credit score. 
Dispute Results From TransUnion TransUnion received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 

If you 're not satisfied with these results you can go to TransUnion 's site and submit a Request for Investigation. You 'll be able to attach supporting documents to your dispute and ask TransUnion to add an explanatory statement to your credit report. 
Want to take it offline? You can print the Request for Investigation form and mail it to the address below. 

If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX. 

This information is not correct. This is mistake on the part of transunion. Shortly after the report by transunion my credit score declined. I fell transunion retaliated against me because of my 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 2017-11-05 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: RFNA, LP
State: GA

Complaint narrative:
This is in regards to the response to my fourth complaint regarding Republic Finance and credit reporting. In XXXX XXXX XXXX a complaint was submitted regarding Republic Finance reporting a delinquent payment status on my account. After the complaint was resolved Republic Finance sent me a letter stating that they would waive all late fees. In addition to waiving the late fees the letter stated that the payment status would remain delinquent unless that remaining balance was paid in full before the XXXX XXXX, XXXX due date. The letter also stated that the payment status would be adjusted and reported as current if the payments were made on time. Two payments were made in the amount of {$120.00} and {$120.00}. Both payments were submitted via XXXX XXXX XXXX check and cleared my account on XXXX and XXXX respectively. On XXXX XXXX, XXXX Republic Finance reported to XXXX and XXXX that my account was paid in full but still reported the account payment status as delinquent for the month of XXXX XXXX. My account was paid in full before XXXX XXXX, XXXX due date and my bank account statement will show that the checks presented for payment were cleared before the end of XXXX XXXX and before the next due date of XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax keeps deleting an account from my credit and adding it right back on causing my score to decrease. It happened on XX/XX/XXXX as well as XX/XX/XXXX. I am aware that this is not allowed and I have to be notified in writing 5 days prior to it be added back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Credit card with XXXX XXXX  was opened in my name fraudulently contacted card issuer advised decision would be made in 90 days have not heard back until they reported account is delinquent on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Choice Recovery, Inc.
State: NE

Complaint narrative:
Professional Choice Recovery refused to identify their company after repeated specific requests to do so. They would only identify after threats of reporting to local law enforcement and state 's attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: CO

Complaint narrative:
When I graduated from law school, I struggled to find a job. When I sought help choosing a repayment plan, I was steered into forbearance / deferment by instead of an income-based repayment plan such as REPAYE. As a result of this, I 've accumulated in excess of {$50000.00} in accrued interest. While I now have a stable job and I 'm making monthly payments, the accumulated interest has now made my ability to decrease the loan 's principal nearly impossible, keeping me in perpetual debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 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: NJ

Complaint narrative:
XXXX has now decided to manipulate my credit report, the proof I will attach clearly demonstrates abuse and they should be fined for this. Companies should not be able to manipulate you in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This is in regards to the response to my fourth complaint regarding XXXX XXXX and credit reporting. In XXXX of XXXX a complaint was submitted regarding XXXX XXXX reporting a delinquent payment status on my account. After the complaint was resolved XXXX XXXX sent me a letter stating that they would waive all late fees. In addition to waiving the late fees the letter stated that the payment status would remain delinquent unless that remaining balance was paid in full before the XXXX XXXX, XXXX due date. The letter also stated that the payment status would be adjusted and reported as current if the payments were made on time. Two payments were made in the amount of {$120.00} and {$120.00}. Both payments were submitted via XXXX XXXX XXXX check and cleared my account on XXXX and XXXX respectively. On XXXX XXXX, XXXX XXXX XXXX reported to Equifax and XXXX that my account was paid in full but still reported the account payment status as delinquent for the month of XXXX XXXX. My account was paid in full before XXXX XXXX, XXXX due date and my bank account statement will show that the checks presented for payment were cleared before the end of XXXX XXXX and before the next due date of XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation