vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-19 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: TN

Complaint narrative:
This XXXX XXXX account # XXXX is Paid-in-Full and Closed. However, Equifax CRA and XXXX CRA continue to incorrectly report as Open.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
bad Credit report is preventing me from buying a home. 
Caliber is showing a missing XX/XX/2018 payment. I paid it on XX/XX/2018. 
Caliber reported it as a second payment on XXXX. 
The XXXX payment was made on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAM National Arbitration and Mediation
State: TX

Complaint narrative:
A company identifying itself as XXXX XXXX began calling my family and me on XX/XX/XXXX for a supposed debt to XXXX XXXX for improperly closing an account in XXXX. I confirmed with XXXX XXXX ( through my accountant ) on XX/XX/XXXX and XX/XX/XXXX that there was no such debt -- past or present. XXXX XXXX not only used foul language and threatening tactics, but hung up on me several times and allegedly blocked my number. As they also threatened me with legal action and a subpoena, I called XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX to request documentation of the debt, etc. My calls were not answered, nor were my messages returned.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: National Recoveries, Inc.
State: TN

Complaint narrative:
Received debt collection letter that states I owe {$27000.00} with no documentation, when asked to produce they have not yet provided how I owe this amount.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I was mislead by PayPal Credit and forced to pay unnecessary interest. The paypal credit line of credit allows you to make purchases online using the paypal service and your line of credit which gives you a promotional period of 0 % APR for 6 months. If paid in full in 6 months there is no deferred interest, if not, the deferred interest is added to your account for the whole 6 months prior. The monthly statement, in bold letters includes a number that appears to be the amount to pay to avoid paying any interest, however it is really including promotional balances that have expired. this is very misleading, and caused me to miss the deadline to payoff some promotional balances. The misleading statement caused me to pay {$120.00} in deferred interest that I would have avoided if the statement had simply stated how much was due for promotional deferred interest and when it needed to be paid. 

Additionally, PayPal Credit has just out of the blue changed their terms for my line of credit. I don't really care about them making there be a minimum payment as much as changing the interest rate from an already high 19.9 % APR to now 25.9 % APR!!! That is absurd?! They raised the interest rate for no reason by 6 % APR. Considering prime rates have risen less than 1 % in the time this account has been opened a 6 % rate hike is excessive and a unfair to consumers.

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 2018-07-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Did not receive Bonus offer of {$150.00} after completing requirements. In XX/XX/2018 I opened up a Bank of America account online. On the main page it said if you open an account you will receive a bonus offer of {$150.00} after 90 days if you have two or more qualifying directs deposits of {$250.00} or more. Moving forward, I opened the account online, received my debit card in the mail and met the requirements. After 90 days, I contacted a rep in XX/XX/2018 on a Tuesday and was advised that I would receive it directed into my account within 3 days that Friday. I never got it so I called back the following week and another rep told me it was in the final stages of review and that it would be in my account during the next billing cycle which was XX/XX/XXXX. Once that date passed, I never received it and contacted someone on XX/XX/XXXX. They reached out to there promo dept. and was told I did not qualify because it was a targeted offer which it wasn't. It was displayed on the website for everyone to see who chose to open an account. I met all the requirements and had more than 2 qualifying direct deposits. The woman searched for the offer and couldn't find it which i don't know how because it was on the website. She then placed me on hold for another 20 minutes and said she finally reached out to someone else and explained that I qualified and now I was told I would receive a check in the mail in 30 days. I never received it so i contacted BOA yesterday sat on hold for an hour and was told the previous woman that I spoke to was never guaranteed that I was going to get a check and now this rep told me since I didn't click on a " open now link '' I will not receive the bonus. This is such false advertising. There was never a link to click on. I was told different things by different reps. This is the whole reason i opened my account and since I met the requirements, I want the bonus.

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 2018-07-19 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: TN

Complaint narrative:
This XXXX 's account # XXXX is Paid-in-Full and Closed. However, Equifax CRA and Experian CRA continue to incorrectly report as Open.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: TN

Complaint narrative:
This XXXX 's account # XXXX is Paid-in-Full and Closed. However, XXXX   CRA and Experian CRA continue to incorrectly report as Open.

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 2018-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
Credit Protection is reporting a collection account to XXXX and XXXX in the amount of {$170.00} this account is nor mine. I have been disputing this account for a long time XXXX   delete the account from my credit report. I need them to remove/delete this account from 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 2018-07-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/18 Credit score was increased to XXXX good standing PER EMAIL BY EXPERIAN XX/XX/18 Credit score same score XXXX PER EMAIL BY EXPERIAN XX/XX/18 XXXXredit score deceased XXXX DROPPED 16 POINTS Called Experian XX/XX/18 talked to customer service, dispute, fraud department and each representative- INITIATED STANDARD OPERATING PROCEDURES ANSWERS. DISPUTE DEPT STATED EXPERIAN REEVALUATES CREDIT REPORT AND CAN DROP POINTS REALLY!!!!!!! ON WHAT FACTORS? EXPERIAN THINK CONSUMER ARE XXXX!!!!!!!!!!! 

VERY IMPORTANT INFORMATION REGARDING CREDIT REPORT REASON FOR FILING COMPLAINT WITH YOU- - no changes with hard inquiries, new accounts, credit limits, credit balances other then {$45.00} XXXX card on XX/XX/18 which does not warrant a 16 point drop! THE RATIO AND USAGE RATE ARE THE SAME AS REPORTED ON XX/XX/18. 

PLEASE RESOLVE ASAP-.EXPERIAN MAKES DECISIONS THAT RUIN CONSUMERS CREDIT RATING AND NOT TO GIVE ME FACTORS AS TO WHY A 16 POINT DROP IS UNETHICAL. 

Thank you.

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 2018-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America reported me to XXXX making it impossible for me to open up any account with any bank. The consumer ID : XXXX social security : XXXX. This was not right as to Fraud this whole situation was not my fault and it is affecting my life in a negative way. I wish for Bank of America to remove this item from chexsystems as there was no intentional fraud committed. Thank you in advance for your prompt attention to correcting this matter that has so negatively effected 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 2018-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Made an investigation with all major credit reporting companies about a Debt Buyer Company : XXXX XXXX XXXX which has no license as a debt collector in the Commonwealth of Puerto Rico as per State Debt Collection Statutes and did not ERASE this debt collection information ; DECREE # 6451 LAW # 179 of XX/XX/XXXX and Law # 170 dated XX/XX/XXXX. 

Reporting companies are placing this information twice with the Original Creditor and also the non state compliance debt collector XXXX XXXX XXXX which has no license as a debt collector to the residents of the Commonwealth of Puerto Rico THEY DO NOT MEET THE REQUIREMENT OF THE FEDERAL REPORTING CREDIT ACT

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 2018-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting my account to all 3 credit companies as closed charge-off and late payments ... I paid my account in full and on time since XX/XX/2012 until the end of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: PR

Complaint narrative:
THIS COMPANY XXXX XXXX XXXX DOES NOT HAVE AUTHORITY AND OR LICENSING AS A DEBT COLLECTOR IN THE COMMONWEALTH OF PUERTO RICO THEY SHOULD NOT BE REPORTING SUCH DEBTS AND OR ACCOUNTS AS THEY DO NOT COMPLY WITH COMMONWEALTH OF PUERTO RICO DECREE # 6451 LAW # 179 OF XX/XX/XXXX AND LAW 170 DATED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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:
Due to billing error by XXXX XXXX XXXX and lease end processing issue with XXXX XXXX in XX/XX/2018, a bill for early termination of my XXXX XXXX XXXX lease was not received from XXXX XXXX XXXX until XX/XX/18. On XX/XX/2018, I discovered the early determination bill existed from XXXX XXXX XXXX for {$1400.00}, after it was reported delinquent to the credit bureaus. I contacted XXXX XXXX XXXX by phone and via email, on XX/XX/XXXX. The representative stated a bill had been sent in XX/XX/2018, I stated I did not receive the bill and requested a bill be sent to me. I also discovered that the address on the bill didn't have my apartment number, which can cause delivery issues as I live in a multiple unit dwelling. As stated previously, I finally received the bill on XX/XX/XXXX. After attempting to resolve the amount with the dealership at XXXX XXXX, I paid the remaining balance over the phone on XX/XX/18.

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 2018-07-19 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: IL

Complaint narrative:
Due to billing error by XXXX XXXX XXXX and lease end processing issue with XXXX XXXX in XX/XX/2018, a bill for early termination of my XXXX XXXX XXXX lease was not received from XXXX XXXX XXXX until XX/XX/18. On XX/XX/2018, I discovered the early determination bill existed from XXXX XXXX XXXX for {$1400.00}, after it was reported delinquent to the credit bureaus. I contacted XXXX XXXX XXXX by phone and via email, on XX/XX/XXXX. The representative stated a bill had been sent in XX/XX/2018, I stated I did not receive the bill and requested a bill be sent to me. I also discovered that the address on the bill didn't have my apartment number, which can cause delivery issues as I live in a multiple unit dwelling. As stated previously, I finally received the bill on XX/XX/XXXX. After attempting to resolve the amount with the dealership at XXXX XXXX, I paid the remaining balance over the phone on XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Due to billing error by XXXX XXXX XXXX and lease end processing issue with XXXX XXXX in XX/XX/2018, a bill for early termination of my XXXX XXXX XXXX lease was not received from XXXX XXXX XXXX until XX/XX/18. On XX/XX/2018, I discovered the early determination bill existed from XXXX XXXX XXXX for {$1400.00}, after it was reported delinquent to the credit bureaus. I contacted XXXX XXXX XXXX by phone and via email, on XX/XX/XXXX. The representative stated a bill had been sent in XX/XX/2018, I stated I did not receive the bill and requested a bill be sent to me. I also discovered that the address on the bill didn't have my apartment number, which can cause delivery issues as I live in a multiple unit dwelling. As stated previously, I finally received the bill on XX/XX/XXXX. After attempting to resolve the amount with the dealership at XXXX XXXX, I paid the remaining balance over the phone on XX/XX/18.

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 2018-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I have received two calls for a debt that doesn't belong to me but to my sibling. the first call was received at XXXX XXXX and resulted in a long message which i have saved. 1 minute 48 seconds. I believe the length was an attempt to state they had a discussion with my sibling, who lives on the opposite side of the country.

This caller identified herself as working for XXXX XXXX. 

They stated that they were calling this line to speak with said other party, which this has never been a number to reach them on and left a message as speaking to that party. 

The second call left a message 1minute 7 seconds, nearly identical message though a different caller.

Advising that some action would be taken if not contacted. Again this message is saved.

I have not received a call during either my waking hours or, during a non business working time to be able to answer my cell phone. I have read through the steps to handle this for future and passed the information on to my sibling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I am currently being harassed by Navient. I have been going back and forth with them for years with no luck. They will not reduce my payment to a reasonable amount, and even when I do make payments they do not affect my account. They call me 6-10 times a day and just actually contacted my employer, which I did not think was legal because these are private and not federal loans. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weinberg Mediation Group LLC
State: OH

Complaint narrative:
This company contacted me today posing as a mediation group/ attorneys office when they are debt collection. I asked them to validate the debt in which they have not done so and emailed me a letter that is included with this complaint. They never validated the debt as required by law and are threatening to take me to court regarding this matter. They were asked to stop contacting me and validate this debt and yet they refuse to do so

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: LA

Complaint narrative:
I filed a complaint a couple of weeks ago. Seterus, Inc responded. Not all the info provided by the Seterus associate was correct. Obviously all the recordings were not listened to. At a fault of my on, I said the month of XXXX ... maybe all this began in XXXX. But that's ok. My main concern about their response was the associate responded about the removal of my 1st Sale date was because of the amount of homes in foreclosure. There were simply too many foreclosures so they changed my date to a later one. When in fact, if he would listen to the recordings the young lady told me Seterus, Inc. removed the date ( with no future sale date ) to help me out. She said she wanted me to send in additional information and to be more persistent with my involvement. She said I wasn't calling in enough to check on my status and to make sure all paperwork had been received and that they didn't need anything else. I had explained to her I always scared to call b/c I am scared of being told no. She said to call anyway. It will show that I am determined. So I did. I called frequently. Obviously, by the sound of this Seterus, Inc. was going to work with me. If Seterus says this conversation did not happen they are lying. This phone call happened after they removed the 1st sale date. 
Also, one of the modifications was a principal change. 
Look at the reasons for the modifications. They are very legit and there was no way around them. Natural disasters are a terrible thing. 
Also, I would like to request to hear the recording of the lady telling me the date was moved by Seterus, Inc. to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi 's website offers a " Credit Limit Increase Request '' that specifically says " A credit bureau report will not be requested ''. I requested the credit increase on the pretense that there would be no inquiry, and they immediately pulled my XXXX  credit report. They will not reverse the inquiry. 

I have timestamped photo evidence that Citi claimed my credit report would not be pulled.

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 2018-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To BofA CEO XXXX : a call from yet another programmed BofA rep. The bottom line is that as q long-time BofA customer I accepted an offer for a money transfer under certain no charge conditions and it was NEVER disclosed that to ask for an increase I would to have to wait three months or effectively AFTER the offer had expired. Because they say Im not a long-time customer. Well, I have been such a customer for over 18 years. So this is NOT about my credit. This is a bait and switch which I will report to the consumer protection agency. You need to be reminded with all due respect, sir, of the original intentions of the Bank of America in XXXX XXXX after the big fire at the turn of last century. To help people and be honest. The banks current rapacious scorched earth reputation is well deserved. A copy of this goes to the consumer protection agency. Please no more phone robot calls with various programmed individuals. Thank you.

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