vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I opened a Webster bank account with a promotional code XXXX {$350.00}. Based on a discussion with a banker on XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, CT XXXX location I was told that if I meet the requirement of having a direct deposit of {$500.00} or more by XXXX/XXXX/2017, I will get the {$350.00}. However, when I contacted Webster bank online to inquire about the status of the bonus I was told I am not eligible because I did not meet the minimum opening deposit of {$500.00}. This requirement was not relayed to me by the banker during my XXXX XXXX meeting, nor it is explicitly stated in the terms of the promotion. If this type of account does require this amount of opening deposit as Webster representative claims, I should not have been allowed to open it in the first place with a lesser amount. I did fulfill all the other terms of the promotion, i.e. over {$500.00} in payroll direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Signed up the XXXX XXXX Credit Card issued by Synchrony Bank. The signup offer listed XXXX points after {$3000.00} spent in the first 90 days. I have since completed the required spend on the card but have only received XXXX points instead of the XXXX listed.

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 2017-12-01 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: CA

Complaint narrative:
This complaint is about Equifax credit reporting company. I have asked them repeatedly to remove the loans which were originally done over 8 years ago. XXXX XXXX XXXX XXXX then sold them to XXXX XXXX XXXX. We reported this unlawful transaction to XXXX and XXXX credit reporting companies and they have removed them in a timely manor. Equifax has continued to drag their feet by refusing to remove them after repeated CFPB complaints to them. they still appear on page 5 of my 26 page credit report dated XXXX-17. These 3 negative reports from Equifax is causing me not to qualify for Refi loan at a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: PA

Complaint narrative:
I have provided proof from the creditor. Experian has no attempt by me mailing it to them 2 times nor uploading the documents on here. 
I have also file with the FTC and seeking legal advice to see how to file a law suit on Experian. 
Experian does nothing but play games and collect wrong information and can never back up or prove what 's on the report. Experian can not provide me nothing documented from the creditor. I need proof as I have from them to correct the issue or delete the account. 

I need proof showing a written off amount of {$410.00} as stated by Experian for XXXX 's I have also mailed for the 3 RD time from the creditor as {$0.00} owed

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 2017-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I paid for the purchase and balance of {$15.00} in XX/XX/XXXX. 

XXXX XXXX, XXXX did NOT credit my payment and charged late fee of {$29.00} I called and was told PAYMENT would be credited to account and late fee waived. 

I continued to receive statements showing more LATE FEES of {$39.00}, {$39.00}, {$39.00}, {$40.00}, and {$41.00} until the balance is at {$280.00}. 

XXXX 's charged off and sent debt to collection agency XXXX. 

I have faxed to XXXX 's on XX/XX/XXXX and emailed to XXXX on XX/XX/XXXX but have not received any response.

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 2017-12-01 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: FL

Complaint narrative:
I received a copy of my credit report and I have noticed that fed loan servicing, and dept of ed/navient is still reporting on my credit report. XXXX has deleted these accounts It is your responsibility to report accurate information on my credit report. Therefore, I am requesting that you delete the following accounts immediately. These items must be removed from my account to show my true and accurate credit history! In pursuant to the Fair credit reporting act. I expect you to delete these account within the next 30 days, or I will submit this to my local attorneys general office and the FTC! I have attached proof of deletions.

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 2017-12-01 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: PA

Complaint narrative:
XXXX XXXX DBA XXXX XXXX has on my credit file a {$280.00} dollar amount showing on my credit file. There is no {$280.00} dollar written off amount. 
there is no money owed on this account or written off. 
I need proof as I have provided to Experian that the account was paid off and there is no amount owed. 

I have mailed from the creditor as proof there is no written off amount or balance owed. 
I have provided a letter from the credit department to show proof of the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I contacted XXXX to find out more details about a car loan that was originated in my name over 2 years ago. After being provided with the details of the loan I was able to recognize I did not authorize the account and able to identify the family member who was likely to have originated the loan because I know the car is in their possession, I just never knew the car I 'd seen them with was in my name. I alerted XXXX that the account was originated with fraudulent means and rather than remove the information from my credit reports, the company declined my offer of exchanging the vehicle 's location for the removal of negative information.

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 2017-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I contacted XXXX to find out more details about a car loan that was originated in my name over 2 years ago. After being provided with the details of the loan I was able to recognize I did not authorize the account and able to identify the family member who was likely to have originated the loan because I know the car is in their possession, I just never knew the car I 'd seen them with was in my name. I alerted XXXX that the account was originated with fraudulent means and rather than remove the information from my credit reports, the company declined my offer of exchanging the vehicle 's location for the removal of negative information.

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 2017-12-01 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. 

I requested a credit report from XXXX and it shows 2 accounts that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. 

I DO NOT have accounts with XXXX XXXX or Navy Federal Credit Union, and will contact my local Police station tomorrow to file a report of fraud/identity theft. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Service, Inc
State: OK

Complaint narrative:
this account was taken to court and legally dismissed by a judge. There is no further balance owed and the collection company continues to report the collection balance as XXXX dollars XXXX. this account was taken to court and default judgment granted for {$500.00}. Collection company continues to report account to all three credit bureau 's with a balance of {$910.00}. Account has also been paid on through original creditor. Both of these accounts have been disputed on three separate occasions and the collection agency continues to report inaccurate and unsubstantiated information. 

CSI group has stated that dispute was received and investigated without showing proof upon request. CSI group has also responded stating dispute was received 8 times through XXXX which is also incorrect. All disputes have been made in writing and never responded to. CSI group has violated the FDCPA and FCRA by not doing an investigation that they admittingly have received 8 times and also reporting inaccurate information on my credit report for the past 4 years which has caused denials of a rental for myself and my children. 

After the first complaint filed X/2017 csi group proceeded to remove XXXX XXXX XXXX account of {$2600.00} from on XXXX leaving the damaging and inaccurate information on both XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: PA

Complaint narrative:
Experian has on my credit file as {$770.00} written off and there was no money written off on this account. 

I have provided from XXXX XXXX proof there is nor any money owed or written off. 

I have mailed document from XXXX XXXX showing there is no written off nor any money owed on this account. 
I need from Experian something showing there is or was balance owed as I have provided a letter showing there is no balance owed on this 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 2017-12-01 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:
I received a copy of my credit report and I have noticed that XXXX XXXX XXXX, and XXXX XXXX XXXX/XXXX is still reporting on my credit report. XXXX has deleted these accounts It is your responsibility to report accurate information on my credit report. Therefore, I am requesting that you delete the following accounts immediately. These items must be removed from my account to show my true and accurate credit history! In pursuant to the Fair credit reporting act. I expect you to delete these account within the next 30 days, or I will submit this to my local attorneys general office and the FTC! I have attached proof of deletions.

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 2017-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. 

I requested a credit report from XXXX and it shows 2 accounts that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. 

I DO NOT have accounts with XXXX XXXX or XXXX XXXX XXXX XXXX, and will contact my local Police station tomorrow to file a report of fraud/identity theft. 

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 2017-12-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. 

I requested a credit report from XXXX and it shows 2 accounts that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. 

I DO NOT have accounts with Capital One or XXXX XXXX XXXX XXXX, and will contact my local Police station tomorrow to file a report of fraud/identity theft. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XXXX XXXX, 2017 I made a deposit of {$1200.00} with a check from the XXXX XXXX XXXX to my Bank of America checking account. But the funds would not be available until XXXX XXXX, 2017, this withholding of my money by " rules '' the Bank of America, this is generating damages and losses, First I was NOT informed that a deposit with a check from another bank would take 10 days to be available, and Second I will not pay my obligations on time, I will have to pay an extra charge of 10 % for late payment to the apartment complex. However XXXX XXXX XXXX already paid the amount of the check to the Bank of America dated XX/XX/2017. 
Who will pay for this damage caused by the Bank of America? 
Please stop this type of abuse that the bank of America does with the clients every day, this practice of retaining your money for a long time generates profits for the bank and damages for the clients, total abuse of the rights of the consumer. 
Thanks for your attention. 
Sincerely, 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 2017-12-01 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: CA

Complaint narrative:
I applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. I requested a credit report from and it shows 2 accounts ( XXXX XXXX XXXX $ 5000+ ) Capital One ( $ 400+ ) that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. I DO NOT have accounts with XXXX XXXX or XXXX XXXX XXXX XXXX, and will contact my local Police station tomorrow to file a report of fraud/identity theft. 


XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: UT

Complaint narrative:
My mortgage company has made it nearly impossible to get an appraisal and remove my PMI. This summer my house value went up and I wanted it removed. Since then they have repeatedly ignored me until I called and questioned where they were in the process. They once even changed one of my pending payments and almost made me miss a payment. I want a reimbursement for the amount I have paid since my first contact with them about the issue. 

Details : XX/XX/XXXX Sent an email asking to know what would be needed to remove PMI. I was given a ticket number and told to allow 5 business days to respond. THEY NEVER GOT BACK TO ME. 

XX/XX/XXXX I called Loancare asking what happened to my ticket. They told me something happened and it was never noticed. They reopened the ticket. I knew that I needed an appraisal to remove my PMI, but I was told that they needed to try to remove it using the original home value to balance, after which if I needed an appraisal they would send me a letter. I told them that was stupid and to just order the appraisal, but was told legally they could n't without the process. I sent an email so they had written approval, that as soon as they tried to remove the PMI using my original home value and failed I wanted the appraisal ordered. 

XX/XX/XXXX Loancare sent the same letter twice, IGNORING what I had requested. The letter told me that based on my original home value I could not remove PMI. At that point, I would need to send a check in the mail for {$420.00}. Once that was received they could then order an appraisal. No other way of payment was offered. 

XX/XX/XXXX I called and asked if I could pay for the appraisal online since I did n't trust them to get a check in the mail. INSTEAD of charging me, THEY CHANGED MY HOUSE PAYMENT from XX/XX/XXXX to the cost of the appraisal. IF I HAD NOT NOTICED AND MADE A NEW PAYMENT I WOULD HAVE MISSED A PAYMENT! 

XX/XX/XXXX I called and was told that the appraisal was paid for but never ordered. They ordered it that day. The appraiser came on XX/XX/XXXX. I was told that someone would call me about reimbursing me from the date I had contacted them about this but never received a call. 

XX/XX/XXXX The website updated to show the new home value, but the PMI page is not updated and still had n't on XX/XX/XXXX to show the new ratio, or have it removed.

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 2017-12-01 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: TX

Complaint narrative:
I have 4 inquiries that i tried to dispute over the phone with transunion and they do not want to help me disputing then I have called several times and told them i was a victim of identity fraud and to dispute my inquiries but they keep telling me no

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 2017-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. I requested a credit report from and it shows 2 accounts ( XXXX XXXX XXXX $ 5000+ ) XXXX XXXX ( $ 400+ ) that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. I DO NOT have accounts with XXXX XXXX or XXXX XXXX XXXX XXXX, and will contact my local Police station tomorrow to file a report of fraud/identity theft. 


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