vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have opened a new Citi Accelarate Savings account on XX/XX/XXXX with {$49000.00} which had an advertised interest rate of 2.36 % APY. On XX/XX/XXXX I received an interest payment of {$1.00} which does not match the interest rate advertised by Citi bank at 2.36 % APY. The statement is reflected as .02 % interest rate. I have filed a complaint with the bank and was advised that it has been fixed on XX/XX/XXXX and the applicable interest will be deposited into the account. On XX/XX/XXXX another interest payment of {$67.00} was deposited into the account with the balance of {$50000.00}. And the rate on the XX/XX/2019 statement is showing as 1.59 % even though when I call customer service I am being told that my interest rate is 2.36 APY. When I log in online the rate in being hidden and not reflected on the online banking. I feel like I am being lied to and taken advantage for misinterpretation by Citi bank. I have called again on XX/XX/XXXX and filed another complaint and waiting another week for a unknown resolution. Please help!

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 2019-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
US Bank has refused to work with me to assume or pay off my husband 's existing mortgage since he defaulted and we are still in divorce court. US Bank has ruined my professional reputation by advertising that they are foreclosing on me, even though they have told me that I am not on their mortgage or note, and owe them nothing. 
They have discriminated against me because I am female, I have been advised. 
I am requesting information on real estate attorneys who can help with foreclosures and bank 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 2019-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I requested that Experian verify the accuracy of a bankruptcy that is reporting on my credit report. Experian mailed me a letters of the results stating that they verified with a third party company named XXXX. I do not understand how this was done because I have opt out of XXXX, sharing any of my personal information therefore, Experian is not telling the truth. I will upload the letter I sent to Experian, the response from Experian, the opt out letter from XXXX, and information from the US banruptcy court stating that they do not report to credit agencies. Please investigate these violations.

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 2019-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted Transunion several times to advise of multiple inaccuracies on my credit report. 
1. One of my accounts is showing a balance of XXXX and it should be XXXX. My credit card was stolen and the bank states that they updated the information with Transunion monthly and it hasn't been updated since XX/XX/2018. 
2. I sent in a request for validation of XXXX XXXX XXXX XXXX and never received a response that this debt was mine.

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 2019-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Regarding : XXXX XXXX XXXX {$970.00} Acct XXXX I don't believe this collections is being properly classified as medical/healthcare. I've RECORDED several phone calls with Experian which leads me to this conclusion. Each representative I talked to gave me a different excuse for why this isn't being classified as medical. The excuses I've received are as follows : 1 ) Because the name of the original creditor implies that it is medical, it is not important that it be classified as medical. 
( a ) This is FALSE. Per the commonly used " Credit Reporting Resource Guide '', medical collections MUST populate the " Creditor Classification ( K segment field 3 ) as  code 2 " Medical/Health care. 
( b ) Some FICO scoring versions score medical collections less harshly than regular collections accounts. There is no way I believe that the FICO model goes in and reads creditor names to decipher if it may or may not be medical. If it's not being properly classified as medical, then FICO does not treat it as medical!

- 2 ) Because the collection agency that is reporting the debt itself is not a part of the healthcare industry, it is not required to report it as medical.

( a ) Again this is FALSE. FCRA Section 623 ( a ) ( 9 ) explicitly states that both the original creditor AND its agent ( XXXX XXXX XXXX in this case ) must be classified as medical/healthcare. 
3 ) This collections account actually is already classified as medical but I just can't see it on the version of the credit report I'm referencing. The Experian representative promised to send me the " detailed '' version of my report that will show the classification. 
( a ) The report the Experian representative sent to me is the same report I already had. There is no additional " detail '' or anything else that references this account as a medical collections. 
( b ) If there is a more detailed report, I'd like you to send it to me ASAP and quit stalling me. I want FULL DISCLOSURE of everything in my credit file as required BY LAW. I don't trust you to do the right and ethical thing therefore I want to see EVERYTHING that you are currently suppressing from my report! 
Either your representatives are uninformed or unqualified for the job they're doing, or you're knowingly LYING to me about MY INFORMATION! 
My next step is to file a lawsuit!!!

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 2019-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
Navient Is reporting delinquent history. They are purging which is the same as re-aging. 
The bureaus are reporting inaccurate information. The Credit Bureaus are not doing a good job of updating accurate information. Two other issue not reporting correctly. XXXX XXXX XXXX paid as agreed. XXXX XXXX belong to a family member and was in a bankruptcy..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 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: NC

Complaint narrative:
I Have Inquiries that I don't recognized or that has pass the period that it should have been removed from my credit report. The Inquiries are listed below : 1. XXXX XXXX XXXX inquiry date:XX/XX/XXXX 2.XXXX XXXX inquiry date:XX/XX/XXXX 3 . XXXX/XXXX XXXX inquiry date : XX/XX/XXXX 4. XXXX inquiry date:XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I Have Inquiries that I don't recognized or that has pass the period that it should have been removed from my credit report. The Inquiries are listed below : 1. XXXX XXXX XXXX inquiry date:XXXX 2.XXXX XXXX inquiry date:XX/XX/XXXX3 XXXX XXXX XXXX inquiry date : XXXX 4. XXXX inquiry date:XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Late Payments from XXXX XXXX/XXXX XXXX, showing on my report that I have resolved and bring up to date. The Dates for the late payments are : XXXX, XXXX, XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2019-09-01 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
In XXXX of 2018, I received a call from a representative with Navy Federal Credit Union ( NFCU ) regarding my financial hardship. XXXX then provided me with an offer to consolidate my payments. At that time, I had two separate credit cards open with NFCU & the representative instructed me to cease payments on the card with the highest balance & to make a monthly payment in the amount of {$180.00}. This representative called back twice, that day, to ensure that I understood that my payments would stop on the credit card with the higher balance. I proceeded to make these {$180.00} payments, to date ; however, approximately 3-4 months later, I began to receive debt collection calls from NFCU, indicating that I had fallen behind on my payments on the aforementioned card ( with the higher balance. ) I have spoken to several NFCU representatives and encouraged anyone in a supervisory position to listen to the recorded phone calls. To date, I am still making payments in the amount of {$180.00}, but no one has ever provided with feedback regarding these calls. I have accumulated well over a years worth of late fees and the interest on that card has skyrocketed, leaving me with a current balance of {$17000.00}. I have offered to continue making payments in the amount of {$180.00} ( towards the card with the lower balance ) and I have also requested that NFCU honor the fact that they told me to cease payments on the other credit card. Instead, I am harassed on a daily basis, with debt collectors attempting to reach me, via phone, email and mail. I have sat on the phone with NFCU 's Financial Counselors and they were not able to provide me with any other strategies that would resolve the situation at hand. NFCU has also reported to all the credit bureaus & consequently dropped my credit score by well over 100 points, due to " delinquency. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/XXXX, I disputed a charge of {$70.00} from the XXXX XXXX with Discover, after a horrible dining experience. My fiance and I waited an hour for our food. The server did not come and check on us at all. We finally received it and the quality and temperature were horrible. Asked the manager to refund us and he refused, stating we already bit into the food. We only had a few bites! I clearly stated this was my reason for disputing, yet I receive a ridiculous letter from Discover stating that they find the charge to be valid based on the merchant 's documentation. So I looked at the documentation, and all it was was a bill and a receipt that my fiance signed! I never said we didn't authorize the charge!! We didn't want to but it was either pay the bill or go to jail. Was the reason for my dispute even read?? They completely disregarded what I said, and closed the investigation! They did tell me that if I want them to continue, to complete their attached form. But I look at the form, and it's clearly not meant for me -- Talking about proof of return and cancellation.. Seriously?? AGAIN -- I never said we didn't authorize the charge ... Barely have had any issues with Discover thus far, but the way they mishandled my dispute is absurd. Going to cancel my account with them if they don't take care of this the right way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 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: IL

Complaint narrative:
I disputed an " adverse account '' with multiple errors to Transunion numerous times & they refuse to revise/correct the errors. This has caused 8 or more credit denials, hard inquiries & has harmed my creditworthiness/ reputation. On XX/XX/XXXX I paid XXXX XXXX   Hospital {$600.00} for XXXX & exam of my dog, XXXX. This left a balance of {$570.00}. I returned to XXXX XXXX Hospital with XXXX for emergency XXXX on XX/XX/XXXX. I was forced to pay {$900.00} ( half of the estimate of XXXX ) on XX/XX/XXXX before emergency XXXX to remove XXXX XXXX XXXX, which had started to XXXX. XXXX applied the {$900.00} to my {$570.00} balance from XX/XX/XXXX, leaving a CREDIT of {$320.00} on my account. I paid an additional {$900.00} on XX/XX/XXXX when XXXX was released from XXXX XXXX Hospital. There were 3 additional credit adjustments on my account as well, on XX/XX/XXXX. ( Please see attachments for the statements and proof of payments and adjustments ). My balance ( with the {$320.00} credit ) should be {$900.00}. XXXX has NEVER applied the {$320.00} credit to my account. Instead, they report as IN COLLECTIONS/ ATTY from XX/XX/XXXX - XX/XX/XXXX. I have NEVER been contacted by a collection agency or atty! From XX/XX/XXXX - XX/XX/XXXX, without notification, XXXX began reporting a monthly balance of {$1200.00} and payments of XXXX. This makes it look like I have been late monthly to creditors. I have paid {$2400.00} none of which is being reported by XXXX. I have pointed this out to Transunion via many disputes and they never change a thing on my credit 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 2019-09-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Been trying to resolve this problems first with the creditor and also with equifax. 

INQUIRIES : 1 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX 2 XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX # XXXXXXXX 3 XXXX XXXX XXXX XXXX # XXXXXXXX 4 XXXX XXXX XXXX XXXX  # XXXXXXXX 5 XXXX/XXXX XXXX/XXXX # XXXXXXXX 6 XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 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: NC

Complaint narrative:
I have requested the production of documents from all 3 major credit reporting agencies for a legal hearing concerning my identity theft and reported fraud since XX/XX/XXXX/XX/XX/XXXX. I again tried to fax the requests but all 3 fax numbers are returned by my paid fax service fax plus AS NO ANSWER. I have written to each of them and called to having a experian phone rep tell me that my XX/XX/XXXX credit info is no longer available since I disputed most of it. This is when my nightmare of fraud and identity theft was revealed again since reporting it in XX/XX/XXXX & XX/XX/XXXX to all 3. Confirmed by the office of the comptroller for currency in XX/XX/XXXX. I have identity theft recorded at the federal trade commission. I need these documents sent to me at that earliest convenience to XXXX  XXXX XXXX XXXX nc XXXX XXXX Date of birth XX/XX/XXXX Thank you I need all of my XX/XX/XXXX Reports from each # 2 a current credit report on file # 3 a copy of my XX/XX/XXXX/XX/XX/XXXX when I reported fraud and identity theft.

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 2019-09-01 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: NC

Complaint narrative:
I have requested the production of documents from all 3 major credit reporting agencies for a legal hearing concerning my identity theft and reported fraud since XX/XX/XXXX/XX/XX/XXXX. I again tried to fax the requests but all 3 fax numbers are returned by my paid fax service fax plus AS NO ANSWER. I have written to each of them and called to having a XXXX  phone rep tell me that my XX/XX/XXXX credit info is no longer available since I disputed most of it. This is when my nightmare of fraud and identity theft was revealed again since reporting it in XX/XX/XXXX & XX/XX/XXXX to all 3. Confirmed by the office of the comptroller for currency in XX/XX/XXXX. I have identity theft recorded at the federal trade commission. I need these documents sent to me at that earliest convenience to XXXX XXXX XXXX XXXX nc XXXX XXXX Date of birth XX/XX/XXXX Thank you I need all of my XX/XX/XXXX Reports from each # 2 a current credit report on file # 3 a copy of my XX/XX/XXXX/XX/XX/XXXX when I reported fraud and identity theft.

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 2019-09-01 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: NC

Complaint narrative:
I have requested the production of documents from all 3 major credit reporting agencies for a legal hearing concerning my identity theft and reported fraud since XXXX/XXXX. I again tried to fax the requests but all 3 fax numbers are returned by my paid fax service fax plus AS NO ANSWER. I have written to each of them and called to having a experian phone rep tell me that my XX/XX/XXXX credit info is no longer available since I disputed most of it. This is when my nightmare of fraud and identity theft was revealed again since reporting it in XXXX & XXXX to all 3. Confirmed by the office of the comptroller for currency in XX/XX/XXXX. I have identity theft recorded at the federal trade commission. I need these documents sent to me at that earliest convenience to XXXX XXXX XXXX XXXX nc XXXX XXXX Date of birth XX/XX/XXXX Thank you I need all of my XX/XX/XXXX Reports from each # 2 a current credit report on file # 3 a copy of my XXXX/XXXX when I reported fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: TX

Complaint narrative:
I was XXXX  and on XX/XX/XXXX. XXXX XXXX a friends husband had a card sent to his house expidiated. Without my knowledge. He activated this card and withdrew my ssi benefits for the months of XXXX XXXX and XXXX. For {$720.00} {$740.00} and {$740.00}. 
They also had a drivers license sent to there house in my name. I wrote direct express and explained I was XXXX and no one had authorization to use. I didnt get our until XXXX XXXX. 
I found out then going to social sercurity that I owed these funds. {$2100.00} Which i am having to pay back. Due to Direct express dening my claim. I sent everuthing that they requested. I filed a police report. I am experiencing hardship and a fincial lose and strain from this clear act of fraud. I need help. They are ride hang up and dont answer any questions I have. This is a clear case and they have lied to me as well as cheated me out of the rights as a consumer has

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
For years I have been getting calls from Portfolio Recovery regarding debt I dont have. Im XXXX years old and never had a job, credit/debit card, went to college, hospital without insurance or anything of that sort. I have no debt, but the calls are nonstop. My number is even on the Do not Call registry. Yet still, it happens nearly single day ( sometimes multiple times a day ) from different numbers. I usually ignore, look up, then delete the number but have been keeping them in my call log so I can provide proof. 
In the past week I have been called by : ( XXXX ) XXXX @ XXXX XXXX on XX/XX/2019 ( XXXX ) XXXX @ XXXX XXXX on XX/XX/2019 ( XXXX ) XXXX @ XXXX XXXX on XX/XX/2019 and they are all Portfolio Recovery numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
Professional Credit MA, has put a charge off on my credit report in the amount of {$1100.00}. Opened in XX/XX/2015. I have never been contacted about this debt from anybody. I haven't ever received any phone calls, emails, or letters in the mail.. Isn't this against the law? Aren't the creditors supposed to contact me about a debt?

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation