vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-15 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: MI

Complaint narrative:
On  XX/XX/XXXX  a medical service was provided at   XXXX   XXXX   XXXX   which entailed a {$100.00} copay.
<P/>
 XX/XX/XXXX  After receipt of the bill for this charge, I requested a financial aid application packet sent to me. This was completed by me and returned within the 30 day time frame allowed by the provider. They would reply tome in about 30 days after receipt of the packet.
<P/> XX/XX/XXXX  I was unsuccessful in my attempted to contact the provider by phone.
<P/>
On  XX/XX/XXXX  placed in collections by   XXXX   XXXX   XXXX   and not noticed by me until  XX/XX/XXXX .
<P/>
On  XX/XX/XXXX  at   XXXX   XXXX   I spoke with  XXXX  at  XXXX  who indicated since the blll had not been paid in full after three statements, the bill was sent to collections. A request as to the status of my financial aid packet indicated the paperwork was not processed at that time. Another packet was sent to me to complete. She would pull the bill from collections until receipt of the new and current data was received. This included the   XXXX   XXXX    income just received that may have impacted the income level requirements.
<P/>
On XX/XX/XXXX  another call t o   XXXX   re vealed bo th  XXXX  a nd  XXXX  were both working on " this ''.
<P/>
On  XX/XX/XXXX  The medical bill was closed for collection as paid in full. I would presume that was as a result of the recent phone call initiated by me. I was approved for the financial aid and the {$100.00} bill was written off. Please note I was timely in my request for assistance in this matter and did everything I could to handle this matter timely.
<P/>
On  XX/XX/XXXX  I received a free TransUnion credit report. Upon my review and much to my surprise is XX/XX/XXXX placed for collection from  XX/XX/XXXX  for {$89.00}.
<P/>
I understood that  XX/XX/XXXX  had pulled this medical bill until the financial aid packet I completed timely and returned had gone through their internal review process. I had no idea of the errors made by them which included losing my original mailed financial aid packet and pulling the promised report when requested.

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 2017-07-15 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: U.S. BANCORP
State: NV

Complaint narrative:
Purchased prepaid visa. Bad magnetic stripe. Unusable. Company refused to freeze card and funds were stolen before company reacted. Now, 80 days later, USBank still says " wait ''.

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 monetary relief
Consumer complaint received 2017-07-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Acceptance Solutions Group, INC
State: TX

Complaint narrative:
Someone called my job yesterday, stated the company name, and asked to speak to me. Stating the company is already too much. My job does not even allow personal calls, which is looking bad on me. If I lose my job, I will definitely seek legal action against this company. They wrote everything on a sticky note and left it on the desk. STOP CALLING ME, ESPECIALLY AT WORK.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I havent a job for several months. When   XXXX   called asking to make payment I did n't have anyway to make payment of  XXXX . so he called me a liar and told me how he knows I am lying ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: MN

Complaint narrative:
I received a mail ad in   XXXX   saying I can get {$200.00} bonus by opening a checking account and completing direct deposit tasks. I followed the instruction on the ad and applied for one checking account online and the application was pending.
<P/>
On XX/XX/XXXX , I received an email and a call from one USBANK employee asking to verify my ID. In the email I replied to her, I asked her to confirm I have entered the promotion code and could get my bonus. She opened the account, sent an email to me with my account information and ignored my confirming request.
<P/>
On  XX/XX/XXXX , a few days after I finished my first direct deposit, I emailed usbank and asked about my welcome bonus. The usbank employee confirmed that he saw my direct deposit and asked me to finish another deposit and waited for 6-8 weeks before USBANK could apply the bonus to my account. So I did and waited for 8 weeks.
<P/>
I emailed USBANK in mid   XXXX   and this time USBANK claimed they could n't see my promotion code. I sent them the previous emails between me and USBANK and the USBANK declined my request.
<P/>
I am sure I entered my promo code and even if I did n't, I had asked confirmation from 2 USBANK employees and asked them twice to confirm my bonus and they had 2 chances to tell me there 's no way I can receive one. Instead, the first employee opened the account and dodged my question and the second employee who had clearly pulled out my account information to confirm my direct deposit, deceived me into finishing another direct deposit and holding the account for anther 2 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 2017-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
On   XXXX    XXXX , 2017 I received an email from   XXXX   saying that they could not approve my application. The fact is I never submitted an application with them. They also said that SageStreamLLC provided them with my credit report. I never authorize   XXXX   to pull my credit and I did not authorize this SageStream, the credit reporting agency to provide my information to them. I feel that I should be compensated for this unfair invasion of privacy

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 2017-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: ID

Complaint narrative:
In     XXXX   XXXX   2016, I was called by Transworld Systems to set up a payment plan to pay off the remaining balance of having my   XXXX   XXXX   XXXX  . I set up a payment plan for six months, of {$230.00} and change. I then paid six out of six payments in full and on time. Thinking I had completed paying off that debt, I forgot about it, and thus did not anticipate a letter of closure on the account.
 XXXX 
Months later, I receive a phone call from Transworld Systems stipulating that I owe an amount of {$31.00} and change. I asked where the money had come from, as I had paid six out of six payments in full and on time. I was informed that the amount was previously uncalculated interest on the debt.
 XXXX 
I then asked why I was n't informed there would be a seventh payment of just accrued interest, they did n't know. I asked why they had n't incorporated the interest into the monthly payment like every other loan I know, and they said they did n't know the interest rate, that it was calculated by the system the company had acquired.
 XXXX 
I asked what system that was, they could n't or would n't disclose that information.
 XXXX 
The manager assured me that since I had made six out of six on time payments and in full, he would have a letter of closure sent to me, and that I need not pay the remaining interest, interest that I had not been informed of at the beginning on the process.
 XXXX 
Within the week, I was called again. I called back during my lunch break, at this point livid and irate. They said they could not close my account until I had paid the interest.
 XXXX 
I informed them I was on lunch and would call them back when I had more opportunity to discuss the matter. I asked their business hours for Saturday, and in error I was told they were  XXXX  to  XXXX  Eastern ; they are actually  XXXX  to  XXXX  Eastern.
 XXXX 
All calls were recorded for quality assurance purposes. They properly announced themselves and that that their intention was to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In  XXXX  of 2016, there were  XXXX  credit inquiries to my credit report that I did not authorize.
 XXXX / XXXX /2016-  XXXX   XXXX    XXXX / XXXX 2016- XXXX   XXXX / XXXX /2016-  XXXX   XXXX    XXXX  XXXX /2016- 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 2017-07-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have already disputed this company named   XXXX   XXXX    with Experian in the month of  XXXX .2017 by writing several letters to them about how   XXXX   has not responded to any letters that I wrote to them about disputing my account. On  XXXX   XXXX , 2017, Experian had mailed me an investigation letter about   XXXX   XXXX  . I had written them a letter to investigate this company in   XXXX   2017 and they had 30 days to do their investigation. I am just getting a letter (  XX/XX/2017  ) from Experian that they have finished their investigation into the company and they had verified information my account being legit. First of all, I had written Experian a detailed letter about what I was requesting from them during their investigation, I never received any information from them about them continuing the investigation or that it was taking longer than 30 days. I have also written to   XXXX   and   XXXX    about the investigating   XXXX   XXXX   and they had 30 days to investigate this company to send me any documentations proving that the account with  XXXX  was legit and if not then delete their entry from my credit report. They deleted  XXXX  from my credit report saying they could not contact the company for any information within 30 days. Their investigation ended with deleting the entry from my credit file. Now Experian took more than 30 days and they have broken The Fair Credit Reporting Act law and I want them to delete   XXXX   XXXX   from my credit report file. I disputed this account in  XXXX . 2017 and Experian had 30 days to do their investigation according to my letter to them and they did not meet the FCRA law. I have letters that I have written to Experian to prove that they have broken the FCRA law.

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 2017-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America had not sent my updated bank information to  XXXX  so that I could receive my funds

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 2017-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
XX/XX/XXXX, I owed Home Depot for a credit line of {$1400.00}. By XX/XX/XXXX, I paid the amount off in full as my last payment was {$250.00}. After making all payments, The Home Depot sold account number XXXX to XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX obtained a judgment against me in XXXX County, Kansas court XXXX. During that time, I made additional payments by check not aware this was regarding my Home Depot Account ending in XXXX. XX/XX/XXXX, I sold my home and the {$2300.00} judgement was held back from my profit of sale. I found out recently in the process of searching through old paperwork and notice I 've been scammed. I over paid XXXX as they also collected money on an account they never should had purchased from Home Depot. I 've been writing and requesting for the return and interest as XXXX XXXX XXXX and XXXX refuse to resolve my claim.
<P/>
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 explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Financial otherwise known as Synchrony Bank started sending me text notifications in  XX/XX/XXXX regarding a debt for a Wal Mart credit account. I called them up and informed them that I am not the owner of the account, that being a gentleman named   XXXX   XXXX  .
<P/>
The customer service agent informed me that I would no longer receive text messages from them. Unfortunately, this was not the case. I continue to receive text messages from them regarding this debt. I have called 10-15 times regarding this and each time, I am informed that this should stop happening. The latest text message came on Saturday  XX/XX/XXXX  at   XXXX   XXXX   from a   XXXX   number.
<P/>
The message reads : FRM : Synchrony Bank for your Walmart Credit C SUBJ : Account Alerts MSG : The balance on your Walmart Credit Card has exceeded {$500.00} I am not able to provided dates regarding previous text messages and phone calls. However, I did call them 4 times in  XXXX  at a minimum. I have tried being polite with them and I have tried being a complete asshole. Neither tactic has worked to getting them to stop.
<P/>
The debt associated with my cellphone is not mine and I am fed up with being constantly harassed over this debt.

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 2017-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I have been making payments through my credit card faithfully and almost time until I came up with three issues today. One, I could n't login after I sent an email to customer service asking proof of my point of sale relating to my debt. This was on  XXXX / XXXX /2017 at   XXXX   XXXX   Central Time. Two, they have been committing fraud by returning payments from my bank that they posted two days in a row. Three, they 're claiming that they do n't have my email on file, which is false, in order to collect late fees. In addition, they know by law they 're to give a 45 day notice when closing an account, which I believe they have done. If this is the case, then I want my balance at 0. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Worldwide Processing Group, LLC
State: NV

Complaint narrative:
I originally submitted a complaint on XX/XX/XXXX  in which I which never received a response from the complaint. The case # is  XXXX  and  XXXX .
On  XX/XX/XXXX  I contacted CFPB and I spoke to a representative about this issue and she indicated this case was sent to the Federal Trade Commission and I needed to contact them. I called them and they stated to call back to CFPB as they needed to handle this issue. I called CFPB again and they advise to send the complaint again as this was a misunderstanding.This is about a payday loan I took back in  XX/XX/XXXX in which I pay cash and the company close down and now FMR-Forward Movement Recovery  XX/XX/XXXX   XX/XX/XXXX New York  XX/XX/XXXX phone  XX/XX/XXXX  is continuing calling me being rude and even indicating hey new about my son which I did not know what they meant. Also, they keep calling my sister in Florida as it was the contact person I put on the application when I apply for the loan. I and my sister are having issues because she wants those people to stop calling her.I am  XX/XX/XXXX  years old and I need your help to solve this problem. Unfortunately, the store I took the loan with was closed years ago and it was a pawn shop and I do n't remember the name. I do n't think the people who are calling me know the name either. I hope this time you can respond to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 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: NY

Complaint narrative:
About a week ago, I contacted Paypal about my paypal account being closed with a remaining balance to the credit card I have with them. The only way I am able to make payments towards the account, is to be able to login to that account. They closed my account and locked me out because I opened that specific account with them when I was  XXXX . I am now  XXXX  years old, and I opened a credit card with them about 2 years ago. I was over the age of 18 when I applied for the credit card with them. They recently locked my account so I can not log in to make my payments. Why are they just noticing now that I opened the paypal account when I was  XXXX ? I have about {$500.00} balance to pay off with them and now I cant log in to make the payments.. I called and spoke to a manager and said I can make payments over the phone. Well, trying to make payments over the phone is very difficult as when I call, I have to be on a waiting list to talk to someone instead of simply logging in to make a payment. The manager said that my account is locked and that I cant regain access because when I opened the account, I was under 18. He said another option is to make a new paypal account and transfer that balance by applying for another credit card but that it may affect my credit score. This is very unprofessional that they would lock me out from my account when I have to make monthly payments!! If I cant make these payments, I will hurt my credit score and get charged interest when this is not my fault.. I do n't care if they close my current account but I want to pay off my credit card balance first.. I cant keep calling to wait 35-50minutes over the phone to make a payment. It 's inconvenient for me when it takes 1 minute to just log into my paypal account and make a payment. When I go online to the paypal help center to see how to make a payment over the phone, they ask me to log into my account to get a code to make an easy payment. Well, I cant even log into my account to get that code to pay.. So how am I supposed to make a payment?! This company is going to turn my   XXXX   credit score into crap. I am a dependable borrower but Paypal is going to hurt that status. I need them to give me access to my account until I pay off the balance..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cohn, Goldberg & Deutsch,LLC
State: MD

Complaint narrative:
My car was repoed on  XXXX /2017. I received notices of the car auction date and time and what I need to do if I wanted to keep my car. on  XXXX / XXXX /2017 I received a letter from Cohn , Goldberg & Deutsch collection agency on behalf of  XXXX . It stated I had 30 days to dispute the validity of this debt or any portion thereof, and I did just that. The first certified letter I sent was to confirm that debt belonged to me  XXXX / XXXX /17 I then received the initial contract from   XXXX   XXXX   XXXX   that I signed. I then sent another certified letter on  XXXX / XXXX /2017 requesting Under the laws of the State of ( Maryland ) UCC ( 1-103, MD COML ) and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.I requested copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.
If no such proof is provided within 14 days of receipt of this notice, the alleged claim of a deficiency will be considered and null avoid.I received a phone call from   XXXX   XXXX   stating that they received my letters and that they notified  XXXX  for an update but to their understanding, the car had n't been sold. The third certified letter I sent was on  XXXX / XXXX /17 notifying them that they failed to verify my request within the 30 days and by law, they have to remove this account from my credit report. I then received a letter from   XXXX   on  XXXX / XXXX /17 of a {$8300.00} deficiency balance and another letter from Cohn , Goldberg & Deutsch , LLC on  XXXX / XXXX /17 saying I have a deficiency balance of {$16000.00}. I followed all the proper procedures and kept a paper trail of the communication line on behalf  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In  XXXX  of 2016, there were  XXXX  credit inquiries to my credit report that I did not authorize.
 XXXX / XXXX /2016  XXXX   XXXX    XXXX / XXXX /2016- XXXX   XXXX / XXXX /2016-  XXXX   XXXX    XXXX / XXXX /2016- XXXX

Company response to consumer: Closed with explanation