vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My credit card with CARE CREDIT gave me six months with 0 % interest. I made all of my payments on time, in fact before the due date. After the six months, I was billed for the interest that were supposed to be 0. I called and was told by the agent at Care Credit that they saved the interest in a bucket and just added it to my bill at the end of six months. THAT IS DECEPTIVE. They clearly told me six months of no interest

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 2018-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am supposed to receive a {$400.00} bonus points after opening a new checking and saving account between XX/XX/18 - XX/XX/18. I opened a checking and saving account on XX/XX/2018 and funded the account on XX/XX/18. I have satisfied all the terms and conditions per the promotion. 

The terms and conditions say : " If you are an Eligible Customer, enroll in the {$400.00} Checking and Savings Offer, and fulll required activities ( see required activities below ), you can earn a {$400.00} Cash Bonus which will be credited to your new Eligible Checking Account within ninety ( 90 ) calendar days from the date you complete all required activities. '' Based on the terms and conditions, I should have received my {$400.00} bonus long time ago. I reached out to different bankers ( over the phone and in the branch ) for almost a month. They all said I should have received my money, they have set up the case, but there is nothing they can do. When I reached out to the first and second bankers, they told me to wait, the bonus is coming. The third banker finally set up a case for me and told me to wait. The fourth banker said my bonus has been approved and I should have received my bonus in the week of XX/XX/2018. However, my bonus never came. Then I reached out to the fifth banker, and I was told that there were nothing they can do about it because the case has been set up, the bonus has been approved. Yet, they don't know why I have not received my money yet. They said their hands are tied. I was shocked when I heard that. 

It appears to me that Citibank is lying about their promotion and they don't keep their promises. Citibank even failed to do proper follow up for my complaints, despite I have reached out to different department several times in the past month. I sincerely hope that CFPB can take enforcement actions to Citibank for this dishonest practice and compensate me for this. 

Attachment : Citibank promotion 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 2018-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax credit reporting agency is giving hard time while I called and tried to dispute and remove an address from my credit file which does not belong to me. They asked almost 15 questions over the phone " in order to verify my identity ''. But before asking all this questions they've already verified my identity asking me my full name, my social security number, my date of birth and my current mailing address. They just waist American consumers times. They almost asked me to give a blood test to " verify mi identity ''. Whatever ... They are refusing to remove a former address from my credit file for no reason ( which is reporting in there but never been my former address ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
For more than a month, I have been receiving multiple ( more than 11 in one day ) phone calls almost every day from various phone numbers at all hours of the day ( XXXX XXXX to XXXX XXXX  ). Initially when I answered these calls I explained to them that I do not owe XXXX   XXXX any money and that in fact, as I have sent them notification and documentation, they owe me money. They leave recorded messages asking for my attorneys name saying it is urgent before legal action is taken. They have now starting calling and harassing my family members. When I've asked to speak to a supervisor or for them to send some type of written communication, they refuse and hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26 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: IA

Complaint narrative:
I opened a checking and savings account package in response to Citibank 's bonus promotion. The promotion was open a checking and saving accounts package, deposit at least {$15000.00} into the combined accounts, keep it for at least 60 days. Then within 90 days after meeting requirements, {$400.00} bonus will post to my account. 

I opened the accounts and deposit XXXX on XX/XX/18. The XXXX had to remain for 60 days until XX/XX/18 but I kept it there until now. Now 90 days after XX/XX/18 and I've not received the bonus as promised. I chatted with the Citibank agent and he didn't know about the promotion. I told him to XXXX it since the promotion is still on going until XX/XX/2018. I then called a different agent and he said he will investigate. 

Checking online, many people are having this problem that Citibank promised the bonus but doesn't deliver until customers filed complaints with the CFPB.

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 2018-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX please remove any other variation of my name. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LD Holdings Group, LLC
State: IN

Complaint narrative:
Through a second mortgage on the house, I procured the funds to pay off the loan with Loan Depot. I received a check from my current mortgage company in the amount of {$12000.00}. I called Loan Depot for the address to send the final payment to. I sent the payment to that address. I was waiting for a refund for the overpayment, when I received an e-mail with a notice of payment due. I called Loan Depot and was informed that they hadn't received the payment. When I questioned further, I found out I was given the wrong address ( XXXX XXXX - their previous loan service provider ). I've provided them a copy of the cancelled check. They will not credit my account for the pay-off that was made. They need to credit my account and refund the overpayment as well as the payment I made while waiting for the cancelled check.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I attempted to obtain a credit card from XXXX XXXX. I used my phone and appropriate PINs to unfreeze my credit at XXXX XXXX and XXXX for one day. I was unable to unfreeze my credit at XXXX because their automated system no longer provides the option to unfreeze credit. That was unexpected as I previously have done it several times in XXXX, XXXX and XXXX via the same Experian PIN and phone number XXXX. I also tried an alternate Experian number XXXX and encountered the same unhelpful automated system. 


Even after significant effort, I was unable to find any means to contact a live person at Experian with whom I could discuss the problem. 


The helpful clerk at XXXX XXXX suggested I contact the XXXX XXXX Credit Card Department at XXXX to see if there was a work around. My credit application number was XXXX. The contact at XXXX was XXXX at XXXX XXXX. Both she and her manager informed me there was nothing they could do and that I should re-apply for credit in 30 days! 


Although my credit is good, the inability to temporarily unfreeze my Experian credit prevented me from obtaining a XXXX XXXX credit card.

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 2018-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Blitt and Gaines, P.C.
State: KS

Complaint narrative:
I received a letter from Blitt and Gaines claiming I owe a debt that they never validated nor did XXXX XXXX XXXX. The business is posing as an attorney, yet they have no jurisdiction over me. I want them to leave me alone permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: NY

Complaint narrative:
There is a negative/delinquent item on my Experian credit report. It ONLY exists on my Experian report. It recently showed up in XX/XX/XXXX. This new item dropped my score from XXXX to XXXX. I tried disputing it through the bureau, but they did not resolve it. 

From what I can tell, the company does not exist. The phone number on the Experian report for the business does not work. I check the address and there is no company that exists at that address. In fact, the address is currently for rent when I googled it. 

The Company is : XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX According to Experian- It says it was an education loan opened XX/XX/XXXX. 
The opening balance was {$0.00} It says that I failed to pay in XX/XX/XXXX. 

I never had this account and don't know what it is. As I mentioned earlier, it showed up out of nowhere a few months ago. 

Also what makes this weird is how can one fail to pay a XXXX  balance? 

I attached 3 screen shots : 1. Shows the account on my credit report, you can clearly see the opening balance was XXXX and it is negative in XXXX 2. I attached a screenshot of Experian saying I can not dispute this again, I tried calling and they forwarded me to you 3. I attached a screenshot of the address listed on the Experian report is currently vacant and for rent as of XX/XX/XXXX supporting my claim that this is a non-existent company

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 2018-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX please remove any other variation of my name. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX please remove any other variation of my name. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2018-11-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately 1.XX/XX/XXXX XXXX XXXX 2.XX/XX/XXXXXXXX XX/XX/XXXX # XXXX 3.XX/XX/XXXX XX/XX/XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: CA

Complaint narrative:
XXXX XXXX continues to report on Equifax and XXXX  incorrectly. They have reported the amount owed as the same for 8 months at XXXX. I owe them XXXX. They added XXXX on to this account which at this point should be paid off because interest free for 12 months was not explained correctly. They do not apply payments correctly and continue to report incorrectly I have emailed them numerous times on this. I have filed with Equifax and XXXX disputes and nothing has been fixed. I have paid XXXX XXXX XXXX out of the XXXX owed. Before they added XXXX I had paid them XXXX out of the XXXX then they added on. If all of that was going to be added I would have paid off immediately. I thought the interest would have only been added on the XXXX owed. Account # XXXX. Yet they continue to over and over to say they will look into, yet do nothing, report incorrectly and damage my credit and this is the only account on my credit report that does not report on time has damaged credit and I can never get a straight answer on

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase Bank after I noticed there's is fraud payment from XXXX pal account and I report as a fraud by my ex wife she left me for to get benefit from the government after I found out she married to me to get green card she left XXXX she is full of range of fraud and identity theft I closed my account in XXXX than they asked me to open saving account after few months of business I found out they steal my money and closed my account and I found out they open account for my wife XX/XX/XXXX without any problems and they knew she is not a USA citizen and not allowed to open account no is card or passport or authorized all she got fraud name and fraud s.s.card and falsification documents and fake date of birth with my money she opened account and they closed my account i already tell them about her fraudulent activity and they refused to give my money back and even they don't want to open my account back

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: NV

Complaint narrative:
I have submitted a dispute through Experian about my report ( XXXX ) with XXXX XXXX. I payed off my account with them after a month ( XX/XX/2017 ) and left due to persistent technical issues. I transferred my number to another company at that time. When I contacted Experian about the issue again they said that XXXX does not have to provide any evidence showing I still have an account with them. Right now it is showing nonpayment for a time period that I have not had any business with the company. I am unable to dispute it further on there site since XXXX has said it is valid without any proof of me having business with them.

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 2018-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
I received a letter from XXXX and XXXX claiming I owe a debt that they never validated nor did Portfolio Recovery Associates. The business is posing as an attorney, yet they have no jurisdiction over me. I want them to leave me alone permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
As of XX/XX/XXXX, the total balance due for my student loan, then held by XXXX, was {$6700.00}. A check was sent to pay the full balance of the 2 loans held by them. They sold to XXXX, then was sold to XXXX and finally to Navient, Loan When logging into my account today at Navient, their records show that they didn't even show the payment sent to XXXX in XX/XX/XXXX, as being applied in XX/XX/XXXX. I can no longer log into my XXXX account, to even try to go back to my documents that are supposed to be secure online. I was told that all of my loans had been consolidated when XXXX took them over. I only have screenshots of my account. I do have my last paper statement from XXXX XX/XX/XXXX, before my loan was sold, and it clearly shows there was one loan with a loan type of CON ( consolidated ), with a balance of {$10000.00} at an interest rate of XXXX. 

I want to know how paying a loan off in full in XX/XX/XXXX, led to an additional balance of $ XXXX. I emailed them to explain that the loan has already been paid in full. After repeated emails and calls telling me they would not correspond via email, I finally called Navient today. After arguing with the agent " XXXX '' from Navient, and not getting anywhere, I paid the balance in full online. This is just one more example of how Americans are being abused by these loan service companies, with no one to represent us.

Company response to consumer: Closed with explanation