vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
XX/XX/2018 I received a receipt from a collection agency Arbor Professional Solutions. They reflect in the receipt the initial balance of {$1000.00} and the current balance as XXXX. They also sent the same information to XXXX and XXXX however they refused to report the balance was paid in full and the account is closed. They are acting as a lender and not a collection agency. They are refusing to report account was paid in full and the account is closed. I reported to both credit reporting bureaus and filed disputes but the disputes have been unfruitful in closing out the problem.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I tried to use my Citibank Prestige Card to make a purchase of a firearm at my local gun shop ; a place I have made several purchases with this card over the last 10 years. For some reason the Citi Bank Card continued to be denied. I have a {$35000.00} credit limit of which a balance of {$500.00} was on the card. I called Citibank and they said they see know problem with my card and it should be working properly. So once again I try to run the card and it is denied. So sick of dealing with it and to confirm the stores merchant equipment was not malfunctioning I used my American Express for the purchase and it promptly went through and was approved. On way home I stopped to get fuel in my car. Just to test I use the Citi Bank Card that was being denied at the gun shop and to my surprise the card promptly went through with no issues at the Gas Station. I cant help to wonder that my attempted purchase of a firearm at a gun store with my Citi Card and subsequent denial, is in not some way related to two recent releases from XXXX  XXXX XXXX and Citi Bank saying they may choose not to do business with manufactures or retail stores that sell firearms. Obviously a direct infringement on my 2A right, as well as trying to prevent me from engaging in a transaction that is completely legal on both sides of transactions. This to me seems way to much of a coincidence, and merits an investigation. XXXX walls are thin at banks and now I maybe tracked ( which in itself seems to fall in a very grey area of the law ) as a gun owner by the bank ( a bank that has took it upon itself to set social policy and discriminate against law abiding firearms owners ) which may effect any credit I may apply for in the future ie mortgage, auto loan, etc. Scarier so is there ability to share/leak my personal info to other like minded financial institutions and businesses. Essentially cutting off my ability to buy and sell goods in the free market all because I have been labeled a gun owner ; something that is not only legal but is an inalienable right as a citizen of the United States. I think these matters need to be looked into and scrutinized very harshly, along with the thousands of others that will be reporting a complaint similar in nature by both merchants and customers. The CFPB must as a government agency funded by the people to protect the people from unfair and abusive business practices like I have experienced. Must move quickly and harshly to stamp out this type of political discrimination against the citizens of this country, before it has a chance to take a foothold making it that much harder to backtrack these discriminatory practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TIDEWATER FINANCE COMPANY, INC.
State: TX

Complaint narrative:
Sign under a promotional deal with Todewater Finance and received a 0 % interest bill up to my final payment. Each bill failed to state the amount of deferred interest getting charged to my account and the final bill stated that the interest charged to the account was still 0 %. Paid final bill then received a bill stating that I was charged an extreme amount of interest, as well as, vague and/or misleading information of the itemization of the account. Called to speak to the company and was rudely told that monthly statements are a courtesy and did not have to state accurate information. Was also told by two separate managers and several employees multiple stories about why my account was charged this amount. I received a payment history that had a missing payment made by myself. The company told me to get with the store that I financed my items from or to go back and provide my own information of my payment history for all payments. Ultimately, the company is using misdirected, misleading, and/or unethical business practices and according the last statement I received, before the fraudulent statement afterwards, the account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: VA

Complaint narrative:
XXXX XXXX charged my credit card WITHOUT my knowledge or permission and charged double what I paid last year. This is clearly a SCAM and I should NOT be charged for the service. I have asked that the original charge as well as the interest and other fees be removed from my credit card but discover has refused. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 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: DISCOVER BANK
State: MA

Complaint narrative:
At the beginning of XXXX I activated a 5 % cash back bonus reward for grocery stores & local markets on my Discover card. Got ready to pay my bill, I had a balance of {$430.00} with rewards of {$21.00} that was verified by Discover card supervisor XXXX employee # XXXX in Ohio on XX/XX/XXXX. However, they would only let me redeem {$4.00} of that reward before paying my bill. XXXX said I couldn't redeem my full reward until after XX/XX/XXXX. Bill is due XX/XX/XXXX. This is unfair & deceptive. Why do they get to " hold '' my redeemed cash back benefits instead of crediting my bill when I actually make the purchases? I can't find this in the fine print anywhere & even if it is, this is deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
XX/XX/2018 I received a receipt from a collection agency Arbor Professional Solutions. They reflect in the receipt the initial balance of {$1000.00} and the current balance as XXXX. They also sent the same information to XXXX  and XXXX   however they refused to report the balance was paid in full and the account is closed. They are acting as a lender and not a collection agency. They are refusing to report account was paid in full and the account is closed. I reported to both credit reporting bureaus and filed disputes but the disputes have been unfruitful in closing out the problem.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 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: NY

Complaint narrative:
I sent Transunion a removal letter to remove XXXX XXXX from my credit report dated XX/XX/XXXX After receiving letter from XXXX that they are closing the account & removing item from Credit Bureaus. 
The item is still being reported even after proof was sent to Transunion.

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 2018-05-06 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received an advertisement from TD Bank for the TD Cash Visa Platinum Card,  addressed to me in the mail early XX/XX/XXXX. The advertisement stated if I was approved I would have 0 % APR for 12 billing cycles on purchases and balance transfers. It also advertised unlimited cash back on dinning and grocery store purchases, and no dinging with fees like other cards. And spending {$500.00} on purchases within 90 days of opening the account can earn {$200.00} in cash back.I did the application online and was approved right away. I received the card around XX/XX/XXXX. I used the card on XX/XX/XXXX. When I received the first billing statement it stated 0 % APR on purchases.I made the first payment XX/XX/XXXX online which was due XX/XX/XXXX. I received the second billing statement for XX/XX/XXXX-XX/XX/XXXX,  which also stated 0 % APR on purchases. Then XX/XX/XXXX I received a letter dated XX/XX/XXXX, stating they made an error. They ( TD Bank ) made a printing error about the 0 % introductory rate on purchases, it's only for balance transfers. Now they state the APR for purchases is 24.24 %. I've only made purchases, no balance transfers.They advertised 0 % APR on purchases and balance transfers on the application mailed to me. It is also on the first two billing statements. This is false advertisement. I would not have applied for the card if it wasn't 0 % APR on purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
On XX/XX/XXXX I sent a registered letter to Portfolio Recovery asking for proof of the debt as I do not recall the debt. They received the letter and signed for it on XX/XX/XXXX. The letter ( attached ) was a letter of dispute and proof of debt request. They did not respond until XX/XX/XXXX ( letter attached ) which is past the 30 day window and they did not as of XX/XX/XXXX ( report attached ) mark the item disputed. For lack of proof and not responding nor marking the item in dispute I request that this permenatley be removed from all 3 of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
All State Credit Bureau , Inc. was paid {$1500.00} on # XXXX and was settled. They reflected a XXXX balance on the receipt as well as reporting to the three major credit reporting agencies however they are acting as a lender and not a debt collector refusing to close out the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX engaged in unethical behavior by canceling my lowes card for false reasons. 
On XX/XX/2018 I received an alert on my credit report that's account of mine was closed. Having not initiated this closure immediately counted lowes credit service. They told me it because a had delquent accounts. Well I called them out on that because I knew I did not have any. Well I was put in touch with a XXXX in the excutive offices he was no help and did not even try to help he was oh well. I was then contacted by a XXXX in the excutive offices she sounded like at first she wanted to help. She told me she would send it up to her risk management team and they would pull my credit again and make a decision, just Incase there was an honest mistake. Being humans a mistake was possible so I'm like ya go a head she the told me it could be 7-10 days before they know the out come. So when she finally found an answer she was like sorry we can not pull credit again your just out of luck. So I then was put in touch with XXXX boss who told me if I get I copy of credit report and it showed no delinquencies she could get it reopened for I did that and there are NO delinquencies on it. Anther hoop synchrony wanted me to jump through that I did and it was not go enough. She finally said she could not help me and would have the VP of synchrony help me. Well the VP called and offered no help at all. Then I was put in touch with XXXX and he tried to tell me that XXXX XXXX reported my credit card late so immediately called them and guess what they no. Even provided me a letter to prove that the info synchrony got from XXXX was in correct. Still did not help. I honestly believe that some where along the line an honest mistake was made and they have gone above and beyond to cover it up. Have also been waiting for someone to call for over 3 wks to settle the account they closed for fraudulent reasons. Also I have attached the letter stating the account was closed for delinquent accounts and my credit report showing XXXX delinquencies. Also attached is the letter from XXXX XXXX stating that did not report any delinquencies in 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 2018-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: LA

Complaint narrative:
It shows that i am 120 delinquent on my payment but im not. I am up to date so i would like it to change on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
On XX/XX/2018 at XXXX XXXX, I contacted XXXX XXXX on behalf of a debt that I owe the company. I had a XXXX XXXX XXXX credit card with them with a limit of {$300.00}. I contacted the company in hopes of setting up a repayment plan but instead I was told that there was nothing they could do because I was in the process of being sued and my check would be garnished. I asked for the collection company that I could contact, the young lady could not give me that information. She told me the only thing I could do was pay the {$700.00} in full or I would be sued. I thanked her for her help and told her to have a good day. I checked my credit report and found that they reported that I was supposed to be paying {$13.00} a month. This option was never offered to me. I want a fair chance to resolve this solution if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
We were notified that an XXXX XXXX credit card in wife 's name only was delivered by USPS to a former address. We did not apply for the card, however, our credit monitoring service recorded a hard credit inquiry from HSBC on XX/XX/XXXX. We have 7 year extended fraud alerts posted with all credit bureaus that don't expire until XX/XX/XXXX. Apparently HSBC Bank opened an unauthorized credit account or approved an application for credit without contacting us per the fraud alert statement. We contacted HSBC via the number on the back of the credit card and determined the account had a XXXX balance, advised them it was issued fraudulently, and requested they close it immediately, which they claim they did. We are unable to determine whether the account was initiated by HSBC themselves or by an identity thief ... they would not supply applicant information. Our main issue is that they opened the account without contacting us despite our long standing fraud alert statement with the credit bureaus ( we have maintained extended fraud alerts with all 3 credit bureaus for over 18 years ). And, by the way, HSBC customer service is horrible ... apparently utilizing foreign call service centers and workers with extremely poor English language skills.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 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: GA

Complaint narrative:
Ive sent numerous letters asking the credit bureaus to verify the accuracy of several accounts, these letters was sent as dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I asked them to send proof of their verification ( i.e. Original Signed Documents with my signature ), as well as Accuracy as to who owns the account. Experian is reporting the account as XXXX XXXX XXXX XXXX   XXXX XXXX is reporting the same account XXXX under a different name with different amounts, payments made, terms. Therefore Experian nor XXXX truely investigated, verified, and or validate any account I disputed but stated they did. Due to there negligiance it has hurt opportunities for employment housing and credit.

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 2018-05-06 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
These big banks are so misleading when it comes to rewards/points. On XX/XX/XXXX, I redeemed points I had on my Barclays MasterCard and paid my bill a couple of days later. When I received my statement after it dropped on XX/XX/XXXX more than 10 days later, the statement said I had earned XXXX points. However, when I called to redeem my points the supervisor XXXX   Empl # XXXX  in Nevada told me I only had XXXX  points. When I asked what happened to the other XXXX points, she said I had redeemed them XX/XX/XXXX. I asked her why it would list points over 10 days after I had redeemed them, but then they disappeared somehow, she said I had redeemed them already. I told her to list points like this on the statement without a line showing that the points had already been redeemed was false & misleading. XXXX didn't agree.

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 2018-05-06 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:
My XXXX XXXX XXXX XXXX credit card account : XXXX, is lost/stolen. I lost my credit card on XX/XX/2018. There are fraudulent and unauthorized charges on the account that arent mine. I want XXXX XXXX  to immediately close the account, and issue me a new XXXX XXXX  XXXX XXXX credit card account number and card. I did apply for the XXXX XXXX  XXXX XXXX credit card. Every card I have with XXXX XXXX, I did apply for the credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vital Solutions, Inc.
State: GA

Complaint narrative:
I received a settlement agreement from XXXX XXXX XXXX XXXX XXXX for a debt with XXXX XXXX XXXX XXXX. When I spoke to a representative from VRS, they confirmed that if I paid the settlement amount the account would be considered paid in full and removed from my credit report. I paid the amount on XX/XX/XXXX but I received a letter from XXXX XXXX XXXX XXXX that I had to pay another {$180.00} and as of today, the account still shows on my credit report. I would like the account removed as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I applied for a va cash out refinance with a broker on XX/XX/XXXX and was quoted a 3.5 interest rate on his paperwork loan estimate. On XX/XX/XXXX, I got the disclosures and paperwork from ditechs showing XXXX closing costs and a 3.625 rate. My broker told me we were over the max amount allowed for fees to a veteran and would waive the XXXX processing fee to get us below that amount. He has stalled me from then until XX/XX/XXXX, sending me his own rate lock confirmations from ditechs showing a 3.5 lock and assuring me that even though I did not sign their paperwork, I was locked in. We had appraisal and termite done and I was assured the closing docs would reflect the 3.5 rate and would close by XX/XX/XXXX. In the meantime, my current lender called me and after seeing my paperwork told me he had not provided proper legally mandated disclosures to confirm the rate. Late Friday XX/XX/XXXX, after 2 weeks of stalling, I was told we were cleared for closing and he was " working on the rate ''. I was angry when my insurance contacted me to advise my mortgage had been substituted with ditech. I immediately contacted him but got no response until I received an email telling me that due to va loan regulations, the lender could only give me 3.625. I was paying points. They were charging me XXXX for just that buy down. I backed out but how is this legal?

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 2018-05-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My debt overnight increased from around {$290000.00} to {$430000.00}. They are falsely increasing my total amount and are not answering questions about how my debt increases. 

Additionally, representative have lied about not receiving documents in the best for best consolidation.

Company response to consumer: Closed with explanation