vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-12 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: NY

Complaint narrative:
I was booking a flight on the XXXX XXXX website. There was a promotional offer, which offered a {$200.00} discount if I applied for a Citi / AAdvantage Platinum Select card and paid for the trip through the card. I applied for the card and received an email almost immediately to say that I was approved. Unfortunately, the email said it would be 7-10 days before the card arrived in the mail. I called XXXX XXXX to ask how I was supposed to take advantage of the promotion, since the flight reservation would be held for only 24 hours. They explained that Citibank should have given me a temporary number with which to pay for the flight. They transfered me to Citibank to receive the temporary number. Citibank said they would not give me a temporary number, and that I would have to wait until I received the card in the mail, at which point it would be too late use that card to pay for my flight. The only reason I applied for the card was to take advantage of this offer, but the process is structured so that it is actually impossible to take advantage of the offer. The promotional offer is a complete fraud.

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 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NC

Complaint narrative:
On XX/XX/2018, I had a loan balance of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX dollars, XXXX cents with Discover Personal Loans in which paid off in full. But for the past two months, there has not been any update to my credit report with any of the three credit bureaus as to my loan been paid off. I reach out to Discover Personal Loans on many occasions to inquire about the inaccuracy on my credit report, but I was unsuccessful in getting the issue resolved with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: MD

Complaint narrative:
AR Resources Inc is attempting to collect a debt which has already been paid. The original creditor,  XXXX XXXX, accepted payment of XXXX XX/XX/16 from my insurance provider. The account was previously listed on my XXXX  credit file as a collection under XXXX  XXXX XXXX XXXX, whom I paid {$120.00} ( amount XXXX deemed liable ) in XX/XX/2016. The collection was subsequently removed from my credit file in or around XX/XX/2016. 

The same charge is now appearing on my credit report, under a different collection agency despite the fact the original creditor was paid and notified to contact my insurance provider for any additional funds or information. In short, the creditor has already been paid and is attempting to get paid again. 

I also want to note that AR Resources is still listed as a collection on my XXXX credit report, despite the fact XXXX  removed it after completing the investigation referenced above.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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:
I submitted a letter stating that the information on my credit report was reported incorrectly. 45 days has passed and there has not been a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
I had a loan with Harley Financial for a motorcycle that I wrecked before it was paid off. The bike was totaled out, however, I had GAP insurance through Harley Financial ( the company I also had the loan through ) which would cover the remainder of the loan if the bike was totaled in an accident. Well that is exactly what happened, the bike was deemed totaled. With that said, Harley Financial did at first, submit the payment to pay off the loan in full through my GAP. However, they then came back after the fact and reversed said payment, and then submitted a payment for a lesser amount leaving me a balance of around {$950.00}. They then said that I owed them that {$950.00} and started reporting this to the credit bureaus and sent it to collections after NEVER calling me about it. Well in the last year, I even hired XXXX XXXX XXXX to assist me in getting this resolved, but after several conversation and letters sent to Harley Fin.,  they refuse to stop reporting. They could not even explain why the initial payment was reversed and the smaller GAP payment was submitted. They just kept answering the question with " Sir, as of right now you owe us ... '' and never giving me a reason as to why I owed this money when it should have been paid through GAP. This is false reporting to the credit bureaus on my SSN and they need to be held accountable since they refuse to work with me or the agency I hired to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Dear Sirs : I made my mortgage payment that was due on XX/XX/2018 on XX/XX/2018. Copy of that payment notification is attached. Ditech has not posted this payment to my account to reflect that the payment was made. They created a statement on XX/XX/XXXX reflecting that the payment is due on XX/XX/2018, attached I called during the week of XX/XX/XXXX- XX/XX/XXXX and was directed to the servicing department who stated that they would fix the issue and that i would receive an E-mail to that affect. I received an E-mail that the problem had been fixed and was directed to go to the web site. I went to my account on the web site and nothing had changed. I called the week of XX/XX/XXXX-XX/XX/XXXX and was told that there was a computer issue and that i would receive a statement. This has not happened as of this note to CPFB

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America had provided me with a car loan that was linked to my ex-boyfriends ' bank account. Every time I tried to make a payment. It was near impossible because they require that I provide them with my ex-boyfriends credentials and due to me not having this information the system and operators kept rerouting my calls ; " the run around ''. After a few calls there were times that I had to wait for days for a call back from the company so they could accept a payment. At times I made double payments just to avoid the hassle of having to commit so much energy and time to keep my account updated. In between the months of XX/XX/XXXX and XX/XX/XXXX I reached out to the company to make a payment and the operator stated she will have someone call me back to be able to process the payment because once again I did not provide them with my ex-boyfriends personal information. Finally, when the company called me back it was their collection department that demanded a payment and that " they did not care where the payment was coming from as long as they get a payment ''. I explained my situation to the operator and agreed to make a payment, but their system had reported inaccurate information on my credit report " delinquent ''. the operator said " that no one, has the authorization to correct this error ''. but she will noted on the account for someone to call me back. when I received several call backs from the company, everyone stated the same argument. " that there is nothing they could do '' I currently have some of the recorded phone calls with the various operators harassing me instead of trying to find away to fix the problem. due to their negligence of recording accurate information on my car loan in a timely manner, placed me under the category of delinquency because of this interpretation I was denied credit which accompanied an economical depression and tremendous emotional damage a violation in ones investments aspirations. Even though there is an insufficient compensation amount set for emotional damage referred to as " pain and suffering '' therefor I am in the pursuit to restore some of the damage in regards to the restoration from defamation of character on my credit report which caused a financial set-back.

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 2018-07-12 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:
ask the three credit major credit reporting agencies equifax, XXXX XXXX, XXXX  to remove negative remarks and inquies from my credit report since XX/XX/2018 of this year sent 4 rounds of letters

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: FL

Complaint narrative:
XXXX  as well as Experian needs to update report as XXXX balance and as a paid and serried charge off as XXXX  has done in their reports which I will send photo of credit reports showing XXXX reported correctly and XXXX  and Experian has not. XXXX XXXX XXXX needs to notified XXXX  and Experian as a XXXX balance and a paid and settled charge off

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 2018-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Ronald H. Reynolds, Inc.
State: PA

Complaint narrative:
Ronald H Reynolds on XX/XX/2018 stated by his letter and signature he was no longer on this account ending in : XXXX and that the creditor XXXX XXXX XXXX XXXX had recalled the account. 
Ronald H. Reynold is still collecting money for this account of {$200.00}. XXXX plus per week. Still mailing me mail about this account and created print outs in which are not correct as XXXX  print outs of how much is taken out. Ronald H. Reynolds is doing no more than committing fraud. If your not on the account why are you still contacting me & filing for updated garnishments with out mailing notice to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: CA

Complaint narrative:
I reviewed my credit report and found that several companies did hard pulls on my credit report. XXXX recently did a hard pull of my credit. I spoke to a sales a agent in my front yard about signing back up for their services. The sales person said that they would not run my credit. I signed up to speak to someone. I never gave my SSI number ever. my wife was standing next to me when the sales person said 5 or 6 times they would not run my credit. They asked for my driver license number so they could run a premise history. When I check my credit I noticed XXXX conducted a hard inquiry. I contacted XXXX along with the sales person and they did not have any answers for me. This is the 3rd time XXXX has run my credit over the last 2 years without permission. I submitted a dispute with Equifax and they spent a whole 24 hours conducting an investigation. 

I also submitted a dispute on XXXX XXXX They did a hard inquiry in XX/XX/2016. I have made several attempts to file a dispute with Equifax and they continue to say the company had permission. I have never heard of the mortgage company and I was not looking for a montage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XX/XX/XXXX I was notified of yet another fraud entry of a debt on my transunion credit report.. I attempted to file a dispute and it does not allow a explanation for your dispute.it appears it goes to a third party and your restricted by less then 20 words to explain your dispute..insufficient as it allows only 2 sentences to address complaint and dispute. THe next complaint pursuant to FCRA where a credit reporting company can only accept a debt for collection if it was a agreement to pay debt, a contract or a judgement was enter none of these exist from receivable performance mgt ..This collection company is not only not authorized to collect any debt, but fabricated a debt and did great harm to my credit. That I never had a debt with XXXX XXXX, nor did I pay bills to XXXX XXXX, nor did I have a contract with XXXX XXXX..XXXX XXXX is where I had a financial relationship with for a year. XXXX XXXX informed me that XXXX XXXX been paid in full and in advance That this collection is a fraud and without merit. Transunion must act immediately there is no grounds or justification to enter a fraud entry on my credit report with out proof of debt, or even if they are in compliance with federal and state laws.Transunion failed to come into compliance with FCRA and should be held accountable.

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 2018-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I sent a Goodwill letter to Capital One explaining the severe financial hardship that I experienced which resulted in late and missed payments.  At the time of the late payments, I was going through very serious financial issues.  I have a young child, a full-time job, was in school, and my husband and I were going through difficulties.  To be honest, we still are.  A lot of the difficulties stem from financial hardships.  I say that not to justify why the payments were late because honestly, I was wrong and I know that I was wrong.  However, I would like to show that the late payments are not a good indicator of my actual credit worthiness.  Capital One refused to remove the late payments despite my exceptional credit prior to the hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I tried to inquire about the debt directly. There has not been a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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:
The fact that Equifax is the Worse Company to assist you with disputing Fraudulent accounts from your credit Is not even the big problem at this point besides all the times I've contacted them and the agents where very rude even requested a supervisor and had some hang up on me I provided them police reports waited 30 days for them to say the accounts are. A few months ago I noticed 4 fraud accounts on all 3 credit reports. I called all three CRA 's and they told me to file a police report if I think the accounts are not mine. I picked the police report up from the police department. I made copies and sent it to all CRA 's, I also included a statement saying that the fraud accounts are not mine, that they should be blocked immediately. XXXX and XXXX removed ALL fraud accounts, but Equifax started the '' dispute " process. The 4 Companies are XXXX XXXX opened date XX/XX/XXXX XXXX XXXX opened date XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX and the fact that XXXX XXXX wrote a letter years back and had it notarized that he was responsible for this account and the fact that even with that Equifax still wouldn't assist with removing this debt the last company is XXXX XXXX date opened XX/XX/XXXX. The Companies all  want to do pay to deletes They were trying to assist but besides me advising them that it was fraud they referred me to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: NJ

Complaint narrative:
ask the three credit major credit reporting agencies XXXX, XXXX XXXX, experian to remove negative remarks and inquies from my credit report since XX/XX/2018 of this year sent 4 rounds of 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 2018-07-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Netspend Corporation
State: TX

Complaint narrative:
On XX/XX/2018 I purchase a NetSpend prepaid card in the amount of $XXXX for my son to use on his XXXX games. I active the card in my son's name and social security when I got home. I have some issue with the activation so the next morning I called Netspend to inquire why their was an issue. I was informed by the rep that my son was too young to get the card and I would need to submit my information if I want get the card in my name. I told the rep I did want to send my information to Netspend and I would like my refund back. I was informed that I would get my refund within 14 days it's been a month and 4 days and I have not received my refund I called every day and they informed me that it been escalated to their accounting department and I should wait everyday is the same story.

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 2018-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Harley Davidson Financial Services Inc
State: MS

Complaint narrative:
I have had lot of medical issue s and had my girlfriend paying bills that come to mind out wasn't and now that I know about called Harley Davidson financial and asked to refinance or to work something out they refuse they have called late at night and called other family members disclosing my information with out my consent been threatened by them the third party finance recover people and repo guy threats of haveing me put in jail. And I traded and put money down on bike and paid for warranty that was worthless and after all that the total was supposed to be around 11000 now they say I owe them XXXX and change the bike is garbage hasn't ran right it's junk and they knew that I wanted a different bike they pressured me into this said they couldn't fiance that one should have known then it wasn't right but I'm pretty sure they have broken over 4 laws and refuse to do anything or compromise.at the least they should have to remove this from my credit don't know why they would even want it back not running I'm guessing so they can sale for XXXX dollars and come after me for the rest think not. Any help y'all can provide will be appreciated thanks

Company response to consumer: Closed with explanation