vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently requested that the credit bureaus investigate errors on my credit report by mail. They were supposed to respond within 30 days, but they have not. I tried to call them to see what was causing the delay, but I couldn't even get a live person on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: TX

Complaint narrative:
I recently requested that the credit bureaus investigate errors on my credit report by mail. They were supposed to respond within 30 days, but they have not. I tried to call them to see what was causing the delay, but I couldn't even get a live person on the phone.

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 2018-12-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have four different promotional purchases through Care Credit. 
Transaction on XX/XX/XXXX was for a total purchase of {$880.00} and still has a balance of {$550.00} because Care Credit has not placed my {$200.00} per month toward this promotional purchase first. 

Instead they have placed my payment to a transaction from XX/XX/XXXX that was for {$3300.00} with a balance of {$1100.00} remaining that does not have a promotion ending until XX/XX/XXXX.

The transaction from XX/XX/XXXX has a promotion ending on XX/XX/XXXX so with Care Credit not applying my payment to the oldest transaction first they are fraudulently going to charge me {$380.00} in interest on XX/XX/XXXX that should not be due as I have paid over {$3400.00} since this transaction incurred and they have not paid off this transaction first. 

I believe this to be fraud and I have called Care Credit and spoke to XXXX Agent XXXX out of XXXX XXXX Michigan and she stated she can't do anything about it the system won't allow due to some regulations. This was not disclosed to me and I believe that Care Credit is trying to bait and switch customers with this practice. 

I want it evaluated and I need assurance that they will apply the payments to the oldest transaction first and assurance that this erroneous deferred interest charge will not hit my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am sending Nelnet Loan Services this notice to inform you that under my rights according to the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting VALIDATION of the account.

Please note : I am not requesting verification of the account and I do not need you to provide me proof of my mailing address. I am respectfully requesting that your office provide me with evidence that I have a legal obligation to pay you.

Please provide the following : 1. Detail of what the money you say I owe is for 2. How the amount you claim owed was calculated 3. Verify that the legal statute of limitations is still in effect 4. Copy of your agreement with the original creditor 5. Provide me physical papers that show I agreed to pay what you say I owe ( including my signature ) 6. Provided a copy of any judgment you have received, if applicable 7. Identify the original creditor 8. Please provide a copy of your LICENSE TO COLLECT in my state, including the number and registered agent Please ACT IMMEDIATELY as I am sure you are aware that reporting invalidated information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue your collection issues.

If any negative information is found on my credit file without this account being first validated, I will be forced to contact both the Federal Trade Commission and state agencies and PURSUE LITIGATION for violation of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. I WILL ALSO FILE SUIT FOR DEFAMATION OF CHARACTER.

Once you have provided me with the above referenced information, I will need at least 30 days to investigate the information you provide. During this time, you MUST CEASE AND DESIST from all collection activities.

If you do not respond within 30 days, the above referenced account must be deleted from my credit files. Please send me evidence of this deletion.

Further, please accept this letter as constructive notice that all future correspondence be handled in writing. All telephone communication must cease immediately, including automated phone calls and email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ZARVAD III S.A.
State: FL

Complaint narrative:
Received a call that my previously submitted application for a payday loan ( never applied for a payday loan ) has been approved by a new lender for an amount up to {$15000.00}. This was a computer generated call from XXXX. 

They just wanted me to a to apply for a loan that I didn't ask for or want from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a pending " item / credit hold '' on my CitiCard for US {$230.00} relating to a hotel stay posted on XX/XX/XXXX. The " charge '' was processed for XXXX euros at check-in on XX/XX/XXXX to cover hotel incidentals. The room was prepaid and when I checked out on XX/XX/XXXX no money was owed and the hotel staff told me my credit card issuer should let the credit hold " lapse '' in a few days as no money was owed. Based upon my experience with similar situations and other banks the aforementioned was reasonable and I fully expected the item would " drop-off '' with-in three to five business days as no charges would be processed. 

It has been almost two week and the item remains, I contacted Citibank on XX/XX/XXXX and was told the company 's policy was to hold pending items / charges open for 30 days. That seemed excessive and I mentioned that to the customer service representative and I was told that was their policy, but would " elevate '' my concern. 

I can appreciate the bank 's credit policy and the item in question is relatively small in the scheme of things. But it is the principle - restricting credit availability with credit holds for pending items for 30 days is excessive and arbitrary, especially when the onus should be on the vendor to process charges.

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 2018-12-20 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: CITIBANK, N.A.
State: OR

Complaint narrative:
Called Citibank in an attempt to product change to a no annual fee card, and the automated system closed my account. When prompted if I was sure if I wanted to close the account, I repeated that no, I did not, and I wanted to product change. I was eventually rerouted to a human, and got no recourse on the situation.

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 2018-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have relentlessly tried to remove a fraud alert on my account that was put on in error and incorrectly by XXXX, TransUnion and XXXX for over two weeks now. I previously had fraud alerts removed from the other two agencies, TransUnion and XXXX  and a freeze added to all because I was able to manage them online. I went through series of questions trying to confirm incorrect information in their system, verified my identity but still nothing. I can't even get a copy of my credit report sent to me because they refuse to update my contact information. I have no idea where it would go. I find it ironic that someone else can give them information about my credit file and they add it without question, but I'm told that I can't correct my own information without sending in proof even though they can verify me over the phone. XXXX refused to remove my fraud alert without me mailing utility statements, copies of my ID, SSN and other endless documents. I refused to mail them that information, especially since there have been so many breeches involving them. I don't want to add to it. I found out while attempting to apply for credit that the 7 year fraud alert was added to my profile by XXXX but it did not properly include the phone number for the merchant to verify that it was me applying. They still refused to remove the alert even though they realize that it did not have a number associated with it. Then on XX/XX/XXXX, they must have refreshed the fraud alert because I received notification that it was added again by XXXX and was extended to the other two bureaus. So today I had to start over again contacting them all again and fight to have the information removed. So now I'm playing this game of being required to send them endless documents in an attempt to get them to correct the problem and it is taking them days to correct. I am not able to apply for credit with this problem.

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 2018-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have relentlessly tried to remove a fraud alert on my account that was put on in error and incorrectly by XXXX, XXXX  and Equifax for over two weeks now. I previously had fraud alerts removed from the other two agencies, XXXX and Equifax and a freeze added to all because I was able to manage them online. I went through series of questions trying to confirm incorrect information in their system, verified my identity but still nothing. I can't even get a copy of my credit report sent to me because they refuse to update my contact information. I have no idea where it would go. I find it ironic that someone else can give them information about my credit file and they add it without question, but I'm told that I can't correct my own information without sending in proof even though they can verify me over the phone. XXXX refused to remove my fraud alert without me mailing utility statements, copies of my ID, SSN and other endless documents. I refused to mail them that information, especially since there have been so many breeches involving them. I don't want to add to it. I found out while attempting to apply for credit that the 7 year fraud alert was added to my profile by XXXX but it did not properly include the phone number for the merchant to verify that it was me applying. They still refused to remove the alert even though they realize that it did not have a number associated with it. Then on XX/XX/XXXX, they must have refreshed the fraud alert because I received notification that it was added again by XXXX and was extended to the other two bureaus. So today I had to start over again contacting them all again and fight to have the information removed. So now I'm playing this game of being required to send them endless documents in an attempt to get them to correct the problem and it is taking them days to correct. I am not able to apply for credit with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I pulled a copy of my credit report and found the following items to be in error : Payment history is incorrect for XXXX XXXX XXXX   account ; Payment history is incorrect for XXXX XXXX XXXX   account ; Payment history is incorrect for XXXX XXXX XXXX XXXX account ; Payment history is incorrect for XXXX XXXX XXXX  account ; Payment history is incorrect for XXXX XXXX XXXX account ; 30 date late is incorrect for XXXX XXXX XXXX account ; Per the Fair Credit Reporting Act, I demand that these items be investigated and corrected as individually requested from my report. I understand that you will verify these items with the creditor who has posted them. Please delete or correct any information that the creditor can not verify as I have instructed. I understand that you must complete this reinvestigation within 30 days of receipt of this letter and have results returned to me within 45 days. Please send a COMPLETELY UPDATED copy of my credit report to the above address. According to the FACTA act, there shall be no charge for this updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I applied for an American Express XXXX XXXX card on XX/XX/XXXX. I thought I used my referral link to receive XXXX XXXX points ( in addition to the sign up bonus of XXXX after {$4000.00} in spending in the first 3 months ), but upon calling American Express on XX/XX/XXXX and XX/XX/XXXX, was told that the referral link was not attached to my application. They said they could not manually add it. My referral link that I believe I used is http XXXX XXXX XXXX On XX/XX/XXXX I asked to speak to a manager and was told they could do nothing for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NC

Complaint narrative:
As of XX/XX/18 HUNTERSWARFIELD is still reporting on my credit report after it has been removed and deleted. Hunters warfield has been reinserted on my credit burea and has to be removed due identity theft. This debt doesnt belong to me and shall be removed under section 609 under fcra.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: CITIBANK, N.A.
State: MI

Complaint narrative:
CFPB team please review Citibank issued Credit card ( Citi Premier Card ) I was recently found out that my credit card transactions were coming up declined and after calling the customer service I found out that Citibank has decided to close my credit card on XX/XX/2018 It is understood that Citibank has right to close my credit card but with a notice of upcoming closure. They should have given me few days to redeem my rewards that I have legal right to earn as per your terms and conditions across all these years I have had service. In-fact I have payed membership fees and accumulated thousands of dollars of charges on the account for which Citibank has charged credit card fees from each merchant I have used. My annual fees was {$95.00} I paid on that account that has not been refunded. 
I called customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018. They are not ready to help. 
I have my rights to redeem my rewards back for each one of these cards : Citi PremierSM Card Ending with XXXX XXXX Points that were earned for purchases I had made until XX/XX/2018. 
I send a letter to Escalation customer service and the citibank via USPS mail on XX/XX/2018. There was no response received. I had requested XXXX points on my account to be redeemed for Homedepot Gift Cards of {$750.00} or Cash Card. 
+ {$180.00} credit sitting on the account for overpayment of funds Citicards pulled from my local XXXX bank. 

It is unjust and unethical for Citibank/Citicards to forfeit my points i collected for past 5 years paying annual fees to the bank. 
I am looking for a legal decision to be held against Citibank to make these unjust decisions and stealing my benefits. 

Regards, 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 2018-12-20 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: FL

Complaint narrative:
I pulled a copy of my credit report and found the following items to be in error : Payment history is incorrect for XXXX XXXX XXXX   account ; Payment history is incorrect for XXXX XXXX XXXX account ; 30 date late is incorrect for XXXX XXXX XXXX   account ; Per the Fair Credit Reporting Act, I demand that these items be investigated and corrected as individually requested from my report. I understand that you will verify these items with the creditor who has posted them. Please delete or correct any information that the creditor can not verify as I have instructed. I understand that you must complete this reinvestigation within 30 days of receipt of this letter and have results returned to me within 45 days. Please send a COMPLETELY UPDATED copy of my credit report to the above address. According to the FACTA act, there shall be no charge for this updated report.

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 2018-12-20 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I applied for an XXXX XXXX XXXX XXXX card on XX/XX/XXXX. I thought I used my referral link to receive XXXX XXXX  points ( in addition to the sign up bonus of XXXX after {$4000.00} in spending in the first 3 months ), but upon calling American Express on XX/XX/XXXX and XX/XX/XXXX, was told that the referral link was not attached to my application. They said they could not manually add it. My referral link that I believe I used is XXXX XXXX XXXX XXXX On XX/XX/XXXX I asked to speak to a manager and was told they could do nothing for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
Synchrony Financial applies credit card payments made after the XXXX of every month ( payment due date ), between XXXX and the XXXX of the next month, to the pervious months billing cycle even if there is no balance due from the previous month. This allows them to apply late fees and interest charges to payments made between the XXXX of the previous month to the XXXX of the next month ( when the statement cycle closes ). This is unethical and they are cheating consumers who are paying their credit card bill in good faith.

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 2018-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I was encouraged to sign up for IDR, but was never advised that my interest would be added to my principle if I was ever denied re-certification, or that I could be denied despite my income not significantly changing. I was recently denied and attempted to call Nelnet customer service on XX/XX/XXXX at XXXX XXXX  PST. I asked why I was denied and was told that Nelnet simply decided it was best. I asked to be rectified while on the call and was denied. I requested to find when and how much interest would be capitalized and was told they did not know. I do not believe that I should have over {$6000.00} added to my principle as my income did not significantly change and was not advised that this was even a possibility when I was guided into this plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: MOHELA
State: MO

Complaint narrative:
A credit repair firm sent multiple dispute letters addressing a MOHELA account on my XXXX  report. This account is listed with a {$0.00} balance but is still being reported as an active late payment account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX, its a hard inquiry dated XX/XX/2017 2017

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