vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-05 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: CITIBANK, N.A.
State: VA

Complaint narrative:
This complaint is against XXXX XXXX XXXX  XXXX XXXX and its XXXX XXXX XXXX. I have mailed three letters concerning this matter to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ; and one letter concerning this matter to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX SD XXXX XXXX I have received no satisfactory reply from them. 
This situation arose in early XX/XX/2021, I think. The reason that I am not sure of the date is that I never received an invoice for the purchase. When I bought the tires the salesman at XXXX told me that if I took out this XXXX credit card I would receive {$50.00} and there would be no payment due and no interest charges for one year. That may seem like an unlikely offer, but considering how low interest rates were, it was believable that they would make such an offer to get me to take out this credit card. I should not have accepted this offer, because it turned out to be a misrepresentation on the part of the salesman. At the time, after getting the tires on my car, the salesman told me the computer was down, and they would mail me the invoice. The salesman may have lied about this. I never received an invoice or notice of the amount that was charged for the tires. It turned out that they did not have this information either. In a letter to me they asked me for the invoice which I did not have. I mailed Check number XXXX, dated XX/XX/XXXX, to them for {$850.00} which was supposedly for the tires, but I think this amount was inflated buy at least {$51.00}. After that I kept getting billed for interest which, I do not believe I owed. 
I mailed Check Number XXXX, dated XX/XX/XXXX, for {$29.00} interest, and Check Number XXXX, dated XX/XX/XXXX, to them for {$58.00} for interest and fees. Each letter I told them that I did not believe that I owed them money, and asked to have the fees and interest, and the credit card cancelled. All I got in return was more bills and charges. In reply to my letter to them in which I sent them Check number XXXX for {$29.00}, I received a bill for a fee of {$40.00}. In all I have paid {$87.00} in fees and interest. 
I believe that I have been over charged for the tires and should not have had to pay interest or a fee. Where is the invoice for the amount they charged me for the tires? They should refund me for the fees and interest ( {$87.00} ) and the excess that they charged me for the tires ( at least {$51.00} ). Where is the invoice?

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 2021-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MIDFIRST BANK
State: IL

Complaint narrative:
I opened a XXXX XXXX  spend checking account on XX/XX/2021 under a {$250.00} promotion which stated that {$250.00} would be credited to the spend checking account if certain requirements were met. XXXX XXXX  is a division of MidFirst Bank. 

The requirements entailed that two direct deposits of {$1000.00} or more were made to XXXX spend checking account within 90 days of the account opening. If the requirements were met, then the {$250.00} promotional bonus amount is to be issued within 90 days of meetings the requirements. 

I successfully had two employer direct deposits of {$1000.00} on XX/XX/XXXX and {$1000.00} on XX/XX/XXXX to my XXXX spend account- thereby satisfying the requirements to receive the {$250.00} promotional bonus amount. 

Therefore, the latest date I should have been issued the {$250.00} promotional bonus amount was XX/XX/2021, as that is 90 days from the date of the second direct deposit I had ( XX/XX/XXXX ) which would be considered the date that I satisfied the requirements of this offer. 

I still have not received the {$250.00} promotional bonus to my XXXX checking account as of today 's date, XX/XX/XXXX. 

I called XXXX XXXX  on XX/XX/XXXX and spoke to a representative, XXXX XXXX, who told me that she did not see the two direct deposits in my account activity. I told her that I clearly see the transactions within my account history and XXXX asked me to email her screenshots of the two eligible direct deposits to her email address at : XXXX. I did this on the same day, XX/XX/XXXX. Since then, I have received XXXX response or acknowledgement from XXXX. I've sent XXXX two follow up emails on XX/XX/XXXX and XX/XX/XXXX to ask if she received my screenshots and if she can help move this matter forward and confirm that my account clearly had the two required direct deposits of {$1000.00} or more which satisfied this promotion. 

I'm now at a loss due to the lack of assistance or acknowledge from XXXX Bank. It makes no sense to me how the bank can tell me that they do not even see a record of the two direct deposits within my checking account. It is evidently there in my transaction history when I login and view my account from my end. 

XXXX XXXX  has not provided me with the {$250.00} promotional bonus amount that I signed up for when opening my checking account and this is now considered late and the {$250.00} should be issued to me as I successfully completed all of the offer requirements within the timeframe.

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 2021-10-05 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: IL

Complaint narrative:
MISLEADING AND FALSE INFORMATION. THIS IS AHIPPA VIOLATION YOU CAN NOT REPORT MEDICAL INFORMATION ON MY CREDIT REPORT PROFILE THIS A VOILATION. 
ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT - ORIGINAL CREDITOR XXXX XXXX XXXX THIS ACCOUNT IS INACCURATE AND I AM SEEKING LITIGATION PLEASE DETELE AT ONCE. 


MISLEADING AND FALSE INFORMATION. THIS IS AHIPPA VIOLATION YOU CAN NOT REPORT MEDICAL INFORMATION ON MY CREDIT REPORT PROFILE THIS A VOILATION. 
ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT - ORIGINAL CREDITOR XXXX XXXX XXXX THIS ACCOUNT IS INACCURATE AND I AM SEEKING LITIGATION PLEASE DETELE AT ONCE. 

THEY ARE PUTTING ACCOUNT ON MY PROFILE THATS NOT MINE PLEASE REMOVE 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 2021-10-05 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: IL

Complaint narrative:
MISLEADING AND FALSE INFORMATION. THIS IS AHIPPA VIOLATION YOU CAN NOT REPORT MEDICAL INFORMATION ON MY CREDIT REPORT PROFILE THIS A VOILATION. 
ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT - ORIGINAL CREDITOR XXXX XXXX XXXX THIS ACCOUNT IS INACCURATE AND I AM SEEKING LITIGATION PLEASE DETELE AT ONCE. 


MISLEADING AND FALSE INFORMATION. THIS IS AHIPPA VIOLATION YOU CAN NOT REPORT MEDICAL INFORMATION ON MY CREDIT REPORT PROFILE THIS A VOILATION. 
ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT - ORIGINAL CREDITOR XXXX XXXX XXXX THIS ACCOUNT IS INACCURATE AND I AM SEEKING LITIGATION PLEASE DETELE AT ONCE. 

THEY ARE PUTTING ACCOUNT ON MY PROFILE THATS NOT MINE PLEASE REMOVE THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stenger & Stenger, P.C
State: TN

Complaint narrative:
I have been taken to court twice by continuous by this company. They have requested more money while accepting payments through my family counseling debt consolidation. I believe they are a scam and don't really own my account. I am missing work to show up in court while they hope I won't be there and get what they want. They sent a man to represent them with no prior knowledge or paperwork on my case. Again I believe they are a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Ii closed my account because I was charged a late fee a few days after making the payment, online. When paying online I could not pay until " the next business day '' which was one day after due date. I am now being charged a late fee on, only a late fee. That is all that is on my account. I have always paid it in full when I have a balance. All I wanted originally is for that late fee to be waived. Yall couldn't do it so I closed my account. Now I will be charged a {$30.00} late fee every month until I pay. Unreal! I will be cancelling all of my account through Comenity Bank going forward.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-05 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: SC

Complaint narrative:
I have been disputing these incorrect items on my credit since XXXX, XXXX. I keep getting the same response from credit Bureaus. They keep saying that it is verified. they are not telling me how, when, and who verified it. I'm getting denials based on their in correct reporting.

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 2021-10-05 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been disputing these incorrect items on my credit since XXXX, XXXX I keep getting the same response from credit Bureaus. They keep saying that it is verified. they are not telling me how, when, and who verified it. I'm getting denials based on their in correct reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: CA

Complaint narrative:
I previously filed a CFPB complaint and thought was resolved. It is not resolved and my credit is severely negatively impacted due to invalid delinquency. XXXX/ XXXXXXXX XXXXXXXX visa card added invalid charges to an accouNt which i never activated or agreed to. my fico score has now dropped 78 points. the account is closed and shows XXXX balance but the invalid delinquency still impacted my otherwise flawless credit.

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 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent out a letter to all 3 credit bureaus EQUIFAX, XXXX, AND XXXX on XX/XX/XXXX stating I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I still haven't received anything from them about the accounts that were inaccurate THE ACCOUNTS WERE : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
XXXX XXXX, This company has been using harassing tactics for years. I have finally just had enough and would like to report it. I see many previous issues with this company and even legal cases. It appears that they continue their unfair practices. I have multiple emails for past harassing behavior despite having a payment arrangement and will outline my most recent experience. On XXXX I advise XXXX of payment I would make to bring my account current. On XX/XX/XXXX I received a collection call which I answered ( I usually don't because they harass customers on calls ). It was not a pleasant call. Despite a payment arrangement I received calls ( which I did not answer ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I called CPS and the rep confirmed there was a payment arrangement noted on my account. She only agreed to stop the calls after advising her that I would report the behavior to XXXX  if the calls did not stop. I have not received any calls since XX/XX/XXXX but got an email today ( XXXX ) from a collections manager. I would like CFPB to use this information to again start investigation/litigation against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello, I was a consumer of Bank of America for years and on XX/XX/XXXX I paid monthly payment and on XX/XX/XXXX I paid the full statement balance before the due date which was XX/XX/XXXX. I did not close the account I decided to keep the card. I noticed at the end of XXXX I received a bill of approximately {$68.00} interest charge. I called customer service, because I understand that if a payment is made in full before the due date there is no interest charge. I spoke with XXXX ( not sure of the correct spelling of her name ) informed me I was being charged interest and I paid every other month and this month is no different, to which I inquired because that made no sense, after going back and forth she determined there is nothing she can do, I then informed her I want to close the account. I no longer wanted to patronize a company that did this kind of thing to their consumers. Today I called again to speak to someone in a higher manager, and she informed me the interest is from XXXX billing cycle, again this makes no sense because I made XXXX payment in XXXX ( one was the full statement balance of {$3900.00} ) before the due date and is being charged interest which she stated accrued because I did not call and say I want to pay my statement balance. And because the interest was generated on the XXXX of XXXX and I did not pay in full in XXXX ( even though she is telling me this cycle is for XXXX XXXX XXXX  ). My question is if I am making a payment in XXXX that interest would be for XXXX and when the new cycle started on XXXX XX/XX/XXXX my balance was zero, why am I being charged this amount? Who do I need to speak to have it removed. I have other credit cards and this is the only one that I have this issue with and it is disheartening. I am currently not working and paying off my balance helped me while I am trying to find a job ( no monthly payments ) but to come up with another {$68.00} is painful and unfair to say the least. I emailed the CEO of the company today hoping to get a 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 monetary relief
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On or around XX/XX/2021 we started the new construction loan process with BB & T/Truist for {$570000.00}. 

We were qualified for the loan after submitting all documentation. Upon their request for additional documentation, it was submitted within a day 's time. 

This process is now at 196 days, with no closing date in sight. 

Weve had to redo the building contract four times, due to the construction department not knowing what they needed in the contract. We also had had to resubmit updated financial documents on multiple occasions due to the loan taking so long to close. 

We were told from the beginning of the loan process that our debt to income ratio was good and below their requirements. Then months in, they said we were under 1 % too high, but if we paid off our {$11000.00} truck we would be under. This was paid off and verification sent. Weeks later, they are now saying it is .7 % still too high. Mind blowing. 

We have filed multiple complaints with them on multiple occasions, all the way up to the Vice President. 

After our first complaint with the Vice President ( months ago ), he advised on multiple occasions he would give us a call with an update, but has not once called with an update. 

On multiple occasions we requested to speak with someone in authority, above the Vice President, who can make a decision. We have never been given that information. 

We were advised by the Vice President that a meeting was being held on XX/XX/XXXX to discuss our case. After that meeting the Vice President advised that now some of the right people were working on our file. 

Several days later, XX/XX/XXXX, they are now, for the third time, requesting us to update ( at our expense ) the same financial paperwork already submitted, because those are again expired, due to the extended loan period. 

No one seems to be in communication with one another and each department blames the other for the issue arising. No one seems to be in charge and no one can be reached who has the authority to make a decision. 

This process has cost us so much time and money! Our builder is frustrated and threatening to walk. WE ARE AT 196 DAYS.

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 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have attached a picture from my credit report and it is incorrectly reporting a 60 day late payment to XXXX and on the same month XXXX and XXXX are current. This needs to be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: CA

Complaint narrative:
ERC a third party collection agency violated my rights by contacting me through mail, In the letter sent to me there was a logo that belongs to this company, in 15 USC 1692b ( 5 ) states that use of any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt is a violation.

ERC also violated my rights by claiming I owe a debt, violating 15 USC 1692b ( 2 ).

In the letter ERC used obscene and profane language violating 15 USC 1692d ( 2 ), and threatened to report me to the credit agencies, this action ruins my reputation and is defamation of character and it is a violation according to 15 USC 1692d ( 1 ). ERC also used false and misleading communication violating 15 USC 1692e ( 5 ) Threatening to take any action that can not legally be taken or that is not intended to be taken, and again stating they will attempt to ruin my reputation and character violation of 1692d ( 1 ).

ACTIONS I TOOK : *wrote out an itemized list of every violation, labeling them exhibits ( a ), ( b ), etc.

*highlighted and wrote in red ink every violation on the original piece of mail I received.

*wrote an affidavit of Truth with all exhibits clearly itemized.

*in the affidavit stated that I am sure the removal of my information from ERC website, company records, or any and all derivatives therefore, of, and / or with any affiliates will ensure my privacy right won't be violated again due to my lack of consent.

*stated that I do not accept their offer to contract.

*stated that I do not consent to these proceedings.

*stated that I do require subrogation of the bond to settle the charge *I typed out all factual violations in an affidavit of truth which was then notarized.

*sent the affidavit of truth to ERC response address listed via Certified Mail.

Company response to consumer: Closed with explanation