vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/2019, I applied for a credit card through an offer from the mail. I followed the weblink on the application, citi.comXXXX and followed the prompts. 
Once the application was completed it was submitted and approved. I was not given the option to deny or accept the terms it was automatic. 
When you complete the application process you are automatically signed up for the card before knowing what your interest rates or what your credit limit will be. This is not okay at all. 
I should know exactly what I am signing up for before accepting and given the choice to accept or decline. 
Also, the mailer I received offered the interest rates at 23.99 % and was given 24.74 %. When I tried to call customer service at XXXX XXXX PST I was transferred twice, hung up on once and told there was nothing I could do until 72 hours of submitting the application. And by filling out the application I was approving whatever they gave me without given the chance to deny their terms.

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 2019-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NCC Business Services, Inc.
State: NV

Complaint narrative:
I was never notified from NCC business services about this debt being transferred to them for collection. According to the fair collection act law, as the supposed debtor I am required by law to be notified of such action by written 30 day notice.The original debt is from XXXX at XXXX which I gave my forwarding address to. I made arrangements with their property management company to make payments on this debt. The management company name is XXXX XXXX. I have made two payments to this company via my checking account. I was paying as agreed, one payment on XX/XX/XXXX for {$120.00} on line and another {$50.00} payment via Mail with check # XXXX, XXXX XXXX  dated XX/XX/XXXX which had not been deposited until XX/XX/XXXX for payment. However it is stated on my credit report that last payment received was XX/XX/XXXX this date is inaccurate as well. I have made several attempts to contact the original debtor concerning this matter and have left several messages with no response. Also I have disputed this item with all 3 credit bureau agencies, XXXX, XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: NC

Complaint narrative:
I sent investigation requests to the 3 credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not. They have even ignored the follow-up letters I mailed last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent investigation requests to the 3 credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not. They have even ignored the follow-up letters I mailed last week.

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 2019-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
On XX/XX/19 I mailed out a letter requesting verification and it has been past that timeframe and nothing was mailed in response to me for this debt that does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
XX/XX/XXXX I refinanced my vehicle lease # XXXX that I had with GM Financial Leasing with my Credit Union XXXX XXXX, it took 3.5 months after the check cleared for GM to release the title to the Credit union, once the title cleared I was able to turn in the vehicle tag and had the vehicle tagged and registered in my name the tags ( whihc I paid the annual cost ) were taken and I was informed that any cost would reimbursed back to GM. 

On XX/XX/XXXX I received a bill from the City of XXXX  XXXX for XXXX property taxes owed in the amount of {$94.00} which was for XXXX-XXXX  XXXX months of the tax year, I inquired prior to paying as to why I had bill as I paid GM for my property taxes ( {$560.00} - paid in XX/XX/XXXX ) and was informed that since they were no longer owner but that I was as it was no registered in my name that I had to pay the portion that the city had to reimburse back to GM for monies paid. 

as of date and my call again today I have not received the funds back that the city paid GM as my account is paid in full. I have called 3 time,XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX each time being told that they can only e-mail the Property Department and await a response as to where the finds are and when they can be released. 

At this point I do not how much even GM owes me as they also may have received a refund for the unused portion of my vehicle tags and registration, and seem to hold funds. 

All I want to know is when those refunds from City Of XXXX XXXX and from State ( DMV ) for my unused registration are going to be released and how long they legally have to hold these funds before releasing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is the XXXX! 

Last month when I checked my credit card expenses I looked for the interest rate. I thought it would be on the front page with the other information but it is not. I had to look for it and then I had to wait on hold for over 45 minutes to get someone to tell me where is my my APR on my Bank of America cash rewards card can be found on my online credit card page. It was hidden on the last page. The level of APR was 19.24 % I was rather shocked at that huge whopping number. I have never missed a payment or paid late ever, so how could the APR be so high? It was at 16.99 %. I never charged over {$700.00} on the card. 
When I got paid this month XX/XX/2019 I promptly paid {$160.00} towards my credit card debt, which it is at least 3 x the basic amount. They have not listed it as paid and now it is XX/XX/2019. I used my online banking to pay the bill and normally it would have been submitted the same day within a few hours. I have a feeling that some immature bank employees are messing with my banking to fraudently mess with my credit score. Yes BofA has employees like that. I took pictures of my account and when it was paid with my phone and I printed them out and I have a hard copy of when I paid that account and my XXXX XXXX XXXX gas bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I sent a letter to XXXX  and Trans Union on XX/XX/XXXX, asking them to investigate errors that appeared on my credit report. To my understanding, they are supposed to respond within 30 days, but they have not.

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 2019-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I paid the account balance in full and shows placed for collection

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 2019-03-04 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX marked me down as being 30 days late with account number XXXX. There is no way that I was late. I think this is exactly what Congresswoman XXXX XXXX was talking about when she said that the credit reporting system is broken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
As of XX/XX/2018 I had sent 3 letters one for each credit bureau requesting for validation of each account reflecting on my credit report. 
XXXX XXXX is one of the debt collectors that has failed to provide proper verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Patient Accounting Service Center
State: CA

Complaint narrative:
The debt collector is XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX. They are calling me every 3 days to collect a payment on an XXXX XXXX. The payment is for {$600.00} that was originally due to XXXX XXXX..

I have repeatedly told the caller ( s ) that I will pay them at the end of XX/XX/XXXX.

They are very aggressive on the phone, trying to push me to pay them immediately.

I have a XXXX XXXX, and these calls create a high level of stress, anxiety and XXXX XXXX XXXX. It takes me an hour to calm down.

They call on an auto dial that creates an auto dial for a local number so I do not realize that it is them, till it's too late.

I really do plan to pay them by XX/XX/XXXX. Please get them to stop harrassing me.

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I sent a letter to Experian and XXXX XXXX on XX/XX/XXXX, asking them to investigate errors that appeared on my credit report. To my understanding, they are supposed to respond within 30 days, but they have not.

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 2019-03-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: AZ

Complaint narrative:
Our manufactured home was burned to the ground on XX/XX/2018. We have a reverse mortgage # XXXX. XXXX XXXX settled our file and we sent the signed check for {$78000.00} to Reverse Mortgage Funding along with the all of the required documents. We sent our plans and blueprints of the new home, the adjuster 's report, the contract for the new manufactured home, and the contractor who would set the new home on the foundation.

We have received no response. We have called and been put on hold for hours, just to be disconnected or told that they don't have our paperwork. We are being held hostage and can't even apply for a new loan until this is resolved. We can't afford to stay in a hotel indefinitely. Please help us. 

XXXX 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 2019-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX marked me down as being 30 days late with account number XXXX. There is no way that I was late. I think this is exactly what Congresswoman XXXX XXXX was talking about when she said that the credit reporting system is broken.

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 2019-03-04 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX marked me down as being 30 days late with account number XXXX. There is no way that I was late. I think this is exactly what Congresswoman XXXX XXXX was talking about when she said that the credit reporting system is broken.

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 2019-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Portfolio Recovery Associates are trying to collect on a debt that was paid in full in XX/XX/2017. ALL original documents and proof of debt paid are saved. They are calling me from multiple numbers from multiple states telling me to pay again several times a day. I have told them I paid and to stop calling. The person I spoke with said they didnt care and that they would harass me within the laws until I pay again. They have started sending me bills in the mail stating the debt is past limitations to collect so they will not report to credit bureaus or sue me - they just want more money from me on a debt I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I mailed a certified letter to each credit bureau starting on XX/XX/XXXX, XX/XX/XXXX, and then method of verification letters on XX/XX/XXXX and validation of debt on XX/XX/XXXX followed by Intention to file FTC complaints letters on XX/XX/XXXX. Each letter requested that Synchrony Bank verified my debt according to guidelines, and therefore true verification. NOT a billing statement. Since then, I only have been receiving billing statements from SYNCB/WLMRTD SYNCB/XXXX SYNCB/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 2019-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Since XX/XX/XXXX I mailed a certified letter to the collection agency XXXX XXXX asking them verify or remove the debt. They did not respond to my letter within 30 days. On XX/XX/XXXX I asked XXXX   to remove the debt since they did not verify the debt to me within 30 days. XXXX sent to XXXX XXXX a request for verification and it came back valid to XXXX, yet XXXX XXXX didn't send me verification as I requested. 

I have repeatedly disputed the debt from the collection agency XXXX XXXX. My last letter to XXXX XXXX was sent certified mailed on XX/XX/XXXX. I did received a statement from XXXX XXXX, yet again they did not respond to the letter with any information that was requested. 

I asked for : Name and balance of the original creditor? 
Highest balance amount of delinquency? 
Was the debt assigned to XXXX or did they purchase it from Synchrony Bank Monthly statements or purchases with the original creditor.

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 2019-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Completed loss mitigation form with Company completed process/documents notarized all require documents. The company had approved modification, but because The notarized documents sent a day or 2 late, they turn around and said they didnt receive doucments on time and 1 document missing a check box on form 4506-T and another page not notarized. We took all documents to a notary and assumed all were notarized. My husband is a Vetern and suffering some health issues as well as myself to put us financial back. We are willing to get back on track and not lose the house. I feel that many times documents cross and also many times did not actually received mail documentation, and had to rely on email with company. All the company is nice overall, they almost set us up for failure. If the only issue was a document why not allow the time to get it to them, as we did via email/faxes. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Fraudulent accounts/ disputed with no results and lack of commitment. 
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 2019-03-04 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: MA

Complaint narrative:
I opened a checking account with Citibank that promised {$400.00} cash bonus if I satisfied a series of requirements ( {$15000.00} balance, direct deposit ... ). I satisfied all of the requirements and received an email informing me that I would be receiving the {$400.00} within the next 30 days ( attached as PDF ). I received that email on XX/XX/2019. I have subsequently called Citibank 's customer service 4 times, spoken with supervisors, and had tickets opened investigating why the money has not been deposit into my account. Everyone I have spoken to at Citibank is in complete agreement that I have held up my end of the agreement, as well as that Citibank is in violation of the agreement. Each phone call takes a hour or more and its so unfair that customers have to chase Citibank over and over to receive what they promised.

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 2019-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I received a letter from XXXX XXXX XXXX , XXXX on XX/XX/2019 but was sent out from their office on XX/XX/2019. I will write my response in regards to this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent Transunion, XXXX, XXXX multiple letters disputing multiple inquiries that I did not approve of. I will attach three letters that I have sent transunion ask them to investigate theses inquires and it seems to me like they just give me the runaround.

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 2019-03-04 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: GA

Complaint narrative:
I have called numerous times concerning this address XXXX XXXX. Each time they dispute it and I'm being told it's being removed its never done. I have authenticated my information numerous times and still they can't seem to get it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Fraudulent accounts/ disputed with no results and lack of commitment. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief