vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST REPUBLIC BANK
State: NJ

Complaint narrative:
the bank advertised they give XXXX bonus for certain activity, I did what they requested and after almost three months, I never see the bonus. 

SO I contact the banker and he said I am eligible for the bonus, just need to wait. 

I wait but never get it, then the bank said because there is one day my min balance is below XXXX. I am so confused, when I opened the account, they told me I just need to make sure my avg balance is XXXX, then they changed the terms during the time I applied, but never notifies me.

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 2019-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I had to change my bank account last year. 

During this period Nationstar had problems changing their internal system over to my new bank account. 

During this time when their billing system was failing, they reported one of my payments late. 

This was a payment of {$1200.00} in XX/XX/2018. 

I've been paying a mortgage on this property for 21 years. 

Only this one payment has been late, due to Nationstar 's billing system problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Arizona Civil Case # XXXX - Portfolio Recovery Associates through their representing law firm in the State of Arizona, XXXX XXXX, XXXX, has filed a lawsuit against complaint-filing Defendants on XX/XX/2019 in XXXX County Justice Court XXXX XXXX District for a debt that does not belong to Defendants. 

XXXX XXXX, XXXX 's representing attorney proceeded to file an Amended Complaint on XX/XX/2019 with the Court and falsely misrepresented Defendants legal, marital status to the Court and has refused to correct the error. 

Said attorney has attempted to justify the misrepresentation through signed affidavit from Process Server, whose statements concerning marital status of Defendants are false and perjurous. Defendants ' legal marital status is single. 

Said attorney refuses to verify legal marital status with the appropriate State and Federal agencies and, by attempting to obtain a default judgment on complaint, is inviting the Court to participate in fraud and misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: NY

Complaint narrative:
I open a account with XXXX on XX/XX/2016.current amount {$1300.00} Ive been on financial hardship and arent able to pay. I was never notified on how to dispute this. I have tried calling to settle but havent come to a conclusion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2019 XXXX XXXX {$520.00} XX/XX/2019 XXXX XXXX XXXX {$930.00} XX/XX/2019 XXXX XXXXXXXX XXXX {$3700.00} XX/XX/2019 XXXX XXXX XXXX {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has frozen my ability to go online and view my credit report or file a dispute. The site says that my information does not match their records. On XX/XX/2019 they will give me no information over the phone after I give them over 12 pieces of information on my mortgage lender, credit cards, balances, etc. I have sent them a letter with social security and driver 's license copies per their instructions. They say they can not read the copy but it is absolutely clear to me. They will allow me to access my account if I agree to subscribe to their complete XXXX XXXX for {$19.00} per month. This appears to be a crime. I am entitled to this information that is damaging my credit and my family. I have hired a Credit repair Service called XXXX XXXX.They may be punishing me for using this service that challenges inaccurate reports on my credit file. There should be laws to protect consumers from these notorious practices that damage a families financial position.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX a check in the amount of {$35.00} was presented as an EFT to my XXXX XXXX  360 Checking Account from Citibank. This charge was unauthorized. 

The history behind the transaction is that I previously held a Citibank Checking and Checking Plus ( credit line ) account for nearly ten years. Due to a dispute with Citibank, I closed out both accounts in XXXX and made regular monthly payments, scheduled to be deducted on the XXXX of every month to pay off the Checking Plus balance. On XX/XX/XXXX, I made the final payment on the account in person at a Citibank branch, bringing the balance to {$0.00}. I followed up on that transaction by calling Citibank to ensure that there would be no further deductions from my account. I was assured that there would not be and was advised that it was not possible for their system to initiate because there was a {$0.00} balance. I accepted this as factual. 

Despite being assured there would be no further deductions, on XX/XX/XXXX, Citibank sent another EFT for {$35.00} to my XXXX   XXXX 360 account. I called Citibank regarding the matter and it took awhile for any representative or managers to locate the transaction, as the account was showing a {$0.00} balance. Eventually, the error was found and I was assured that the charge would be reversed by the end of that week. The end of the week came and went with no reversal, so I called again. After speaking with several representatives who could not follow nor see what I was referring to, I finally spoke with a representative who stated that I would be receiving a paper check in the next 10-14 business days because the system could not reverse the charge due to a {$0.00} balance. She assured me that this would not happen again, although she insisted that she was unable to send me any kind of formal letter or document indicating that account is paid in full and will not be subject to any further charges. Approximately one week later, Citibank reversed the charge and also sent a paper check in the amount of {$35.00}. I did not cash the check. 

On XX/XX/XXXX, another EFT in the amount of {$35.00} was deducted from my account by Citibank. I contacted Citibank again, however this time they refused to assist. They claimed to not see the transaction anywhere, they were rude, dismissive, I was hung up on once while I was explaining the matter, and ultimately they suggested that I file a dispute with my bank - 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 monetary relief
Consumer complaint received 2019-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The Annual Credit Report, blocked me from Disputing, Viewing, and Security Freeze on my Annual Credit Report, the individual that I spoke to on the phone at : EXPERIAN HUGE UP THE PHONE ON ME, WHEN I STATED THAT I WANT TO PUT AN SECURITY FREEZE ON MY EXPERIAN CREDIT ACCOUTANT, AND THE CUSTOMER SERVICE PERSON ON XX/XX/2019 STATED THAT HE WAS NOT HELPING ME PUT SECURITY FREEZE ON MY CREDIT REPORT, BECAUSE HIS WIFE STOLE MY IDENTITY. XXXX  BLOCKED ME FROM ACCESSING MY CREDIT REPORT, AFTER I SPOKE WITH EXPERIAN, IT WAS AN DOMINO EFFECT, AND I HAVE BEEN BLOCKED FROM ACCESSING MY OWN CREDIT REPORT WITH XXXX, EXPERIAN, XXXX, BECAUSE : EXPERIAN LOCATED IN XXXX XXXX, CA XXXX, XXXX XXXX XXXX, XXXX XXXX, THREATEN ME AND STATED HE WAS NOT HELPING ME DO NOTHING. EXPERIAN FROM CIC EXPERIAN CONSUMER SE, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX, RAN MY CREDIT REPORT MUTLIPY TIMES IN THE SAME DAY SEVERAL TIMES A DAY. I REQUESTED THAT IT BE REMOVED, AND THE CUSTOMER SERVICE REP STATED HE NOT DOING NOTHING FOR ME. ON XX/XX/2019 MULTIPLY INQUIRIES, XX/XX/2019 MULTIPLY INQUIRIES, XX/XX/2019 MULTIPLY INQUIRIES XX/XX/2019. I REQUESTED SECURITY FREEZE, CUSTOMER SERVICE REP. STATED HE WAS NOT HELPING ME DO NOTHING. I REQUESTED THAT MY MAILING ADDRESS BE UP DATED, THE EXPERIAN CUSTOMER SERVICE REP. STATED HE WAS NOT UP DATING MY ADDRESS, BECAUSE HE WILL NOT HAVE ACCESS TO STEAL FROM ME IF HE UP DATES MY CREDIT REPORT, FROM MY OLD MAILDING ADDRESS : XXXX XXXX, TN XXXX. XXXX, AND XXXX HAS BEEN HOLDING MY CREDIT REPORT FROM ME FOR ABOUT 3 OR 4 YEARS NOW. I REQUEST AN FULL INVESTIGATION INTO THE PROPERTY MANAGER, AND MAINTENACEMEN, ARE ACCESSING MY PERSONAL INFORMATION, OPENING BANK ACCOUNTS, BUYING CARS, AND HOUSES USING MY PERSONAL INFORMATION. I MS. XXXX XXXX XXXX, NEED MY CREDIT FILE CORRECTED IMMEDIATELY, AND I REQUEST ACCESS TO MY OWN CREDIT FILE, BECAUSE I AM TRYING TO MOVE AWAY FROM THESE PEOPLE WHO HAVE STOLEN MY PERSONAL INFORMATION. I DO NOT HAVE ACCESS TO MY OWN CREDIT FILE.

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 2019-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/2019, I received a letter from a debt collection by mail on behalf of XXXX XXXX XXXX for the amount of {$50.00}. I have been a XXXX of XXXX from 10 years and payment is made always before service can be render and it made to the billing department. XXXX is aware that I am a XXXX XXXX and such person are required to obtain and keep good credit. XXXX has not notified me by mail or any such means that I owed of any such false amount. However, I this letter from the collection agency without any reason to why an amount would be due has not been exercised. XXXX has violated my rights to dispute or see why I would be charged when I would not been able to see the doctor and also, I pay {$80.00} per visit to see the doctor. I don't know why XXXX is creating financial fraud which, can be proving by my credit card payment on any such service that has been rendered .. This is totally financial fraud or reporting on XXXX XXXX part and to not give me the opportunity to dispute their billing by sending or call me about his is fraud ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I had a loan with Ally Financial for a XXXX XXXX prior to my divorce in XXXX. The loan was under my name but paid through my ex husband and my business. However, when we filed for divorced, my ex-husband immediately stopped paying the car loan. Although, through court orders the payments were to continue through out businesses, my ex transferred the business to his partners name. The car was ultimately reprocessed and I filed for bankruptcy chapter XXXX, in XXXX. I have completed and complied with all bankruptcy rules and therefore, my attorney had ad used me that Ally Financial Loan falls under the umbrella of bankruptcy and should not appear in any of my credit reports. I am moving forward in my life with a job as a XXXX XXXX earning over {$100000.00} annual salary. I need to to lease a vehicle for the safety of my XXXX minor children and myself, however, the devastation of being denied due to inaccurate information on my credit report creates difficulty for a professional individual earning a decent salary trying to lease a new vehicle. I am hopeful that this discrepancy will be rectified and removed from my credit report. Any concerns or questions or any pertinent additional documentation may be provided at your request. Thank you. Truly, XXXX XXXX XXXX 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 2019-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Nationwide Debt Reduction Services, LLC

Complaint narrative:
I received information from Nationwide Debt Reduction Services , LLC concerning reducing my credit card balances, ,but i am not sure who these people represent. Are they real or just out to scam me out of my money? I have not contacted them or given them any of my information. Can you help me out?? Date of this pamphlet wasXX/XX/2019., ,credit card debt is {$18000.00}. and settlement is {$8200.00}, ,new proposed program payment would be {$290.00}. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
I hired Lexington law to remove 2 late payments from XXXX XXXX XXXX off my credit report I was promised that it could be removed and they never were able to remove them from my report I had payed for over a years worth of payments towards the removal with no results from what was initially promised

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
My Citibank credit card on autopay. Lately noted that the My monthly use was {$77.00} only and card company was charging {$20.00} to {$26.00} as interest per month om balance of XXXX daollars after autopayment. It wrecked up approximately {$2000.00} which is more than 1000 % of capital.. When I called, they said they were taking minimal payment by autopay and minting money by interest ( 1000 % ), which is wrong. I want them to refund the interest and charge the expense in full every month.

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 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Westlake Services, LLC
State: IN

Complaint narrative:
Honor finance is a closed account on y credit but still shows on my report and as open the amount I'd XXXX. 
Also XXXX needs removed amount is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 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: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I made my mortgage payment on time for XX/XX/2019 but Ive been reported to the credit bureau because the company failed to include an {$8.00} increase due to my interest rate fluctuations. However I continue to have this issue often whenever my rate changes. Whenever I make a payment I never state the amount but when asked I always state to make the regular payment which clearly means what ever is due. The last time I had this issue I was told that the system sometimes doesnt have the same account information before if the payment was made on the weekend and my argument was thats a company problem.Carrington Mortgage doesnt allow you to speak to anyone unless you fax which makes it very difficult to resolve a problem immediately. XXXX  XXXX XXXX never treated me like this but this new trade is causing me many unnecessary stress. I pride myself in maintaining a good payment history and credit report. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a single father and I attempted to finance a home for me and my family and I could not because of my credit. That inspired me to check my credit report and I saw a fraudulent item i did not authorize. 

Account # : XXXX XXXX XXXX XXXX XXXX-XXXX Credit Amount : {$330.00}

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 2019-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX @ XXXX I received a phone call from a collection agency demanding payment. I kindly requested to cease all phone calls to me regarding the debt. Starting on XX/XX/2019, this company has continued to call me at least twice a day. On XX/XX/2019, they also made a phone call to my desk phone at work. I have requested a cease and desist but they continue to call. I am pretty sure there are laws they are violating

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Management Services, Inc.
State: NE

Complaint narrative:
I recieved notification from a bankruptcy/fair debt collection agency ( consumer protection ) that I was being sued in civil court. I have not recieved ANY notification of any debt that I had. I also haven't recieved a phone call of said debt ( I still have no idea the dollar amount or the nature of the collection ). I recieved a certified letter on a Saturday ( that I was not present for and my husband with the same last name was not allowed to sign for ). The only thing on the certified notification was the name of the debt collector ( credit management services out of XXXX XXXX, NE ) which was the same name was on the letter as the stated above letter from the fair debt collection consumer protection law firm. This debt has not showed up on my XXXX report or XXXX report. Whatever the debt is I would ( a ) like a certified letter explaining the debt ( b ) if it is a debt I owe like to settle it out of court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank. I have several store cards. I have zero negative accounts on my credit and only two late fees reflecting on my credit in the past two years. Synchrony Bank has decreased almost ALL of my credit limits ... causing my credit score to significantly drop. The reason Synchrony  gives me is that there are negative items or late payments on my XXXX ... which is completely not true! I have zero negative accounts and only two late payments in two years. I feel Synchrony is doing the same thing to a lot of customers  in my research. I have tried to rectify this situation with Synchrony Bank and have been unable too do so.

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 2019-06-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX, Vice President, Head of Customer Relations XXXX XXXX, Senior Vice President, Head of Customer Experience This is in reply to a XX/XX/XXXX letter from XXXX XXXX XXXX, HSBC Vice President, Head of Customer Relations. I have attached a copy of that letter. 

1. The letter stated that the Share the Experience Bonus of {$100.00} was already credited to my account. This is incorrect. The {$100.00} promotional bonus posted on XXXX XXXX, XXXX to my account was, in fact, for a second referral, XXXX XXXX, and she likewise got her bonus already. I have verified this with XXXX XXXX from the HSBC XXXX Branch. 

2. The subject of my complaint has always been the first referral bonus. Contrary to your letter, the referral bonus for the account belonging to XXXX XXXX which was opened on XX/XX/XXXX, has never been paid and is way overdue ( promised within 8 weeks XX/XX/XXXX then ). You have yet to honor the terms of the XXXX promotion. 

3. The above letter stated that within 4 weeks ( by XX/XX/XXXX then ) a credit of {$250.00} will be posted to XXXX XXXX account. To this date, no credit has been posted. 

4. In your letter you included two telephone numbers where Customer Relations ( XXXX XXXX ) could be reached but nobody answers that phone and although the message states that somebody will call back by the end of the next business day, NOBODY calls back. I have called those numbers numerous times, leaving a message at all times but I was never called back. 

5. Also, I have sent emails to the email address you provided in your letter and again NO REPLY. 

I am beyond frustrated dealing with HSBC regarding this matter. Your prompt resolution of this matter is immensely lacking on your part. It has been one promised resolution date after another.

Company response to consumer: Closed with explanation