vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-03 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: MI

Complaint narrative:
I applied for a XXXX XXXX XXXX select credit card from Citi when I was purchasing an airline ticket. The offer said if you apply online right now and get the card they will reduce the price of each ticket by {$100.00} immediately and give me 40000 miles after i purchased {$3000.00} on the card in three month The tickets cost me {$740.00} and I was to get a {$200.00} refund. I was immediately approved and charged the full amount. I was told I would get a {$200.00} credit on my bill. I never got the credit. I called on XX/XX/XXXX and was told I was turned down for the offer because I had previously had this card which I had canceled. but my card was approved and they charged it the full amount. They said I had to wait 24 months before I could reapply for this offer. I asked why they didn't tell me this up front because I would not have opened the card. They said well you'll get a lot of other great offers - none of which I want. They should have just declined me the card and not charged the tickets or at least given me the option to continue on and use the card without the promotion, which I would not have done. When I called they basically said sorry and I have since cancelled the 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 2019-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I recieve multiple phone calls in a single day from Ally Financial about a past due car payment. They call many many times and use different numbers when doing it. On XX/XX/2019 they called a total of 5 times in the span of 30 minutes ( 4 times back to back ) from number 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 2019-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX has attempted to collect a debt that is NOT mine. I have stated this to the company before in XXXX and XXXX. I received a " limited time offer to reduce debt '' from the company in XX/XX/XXXX. I called the number on the letter and let them know that the " XXXX XXXX XXXX XXXX XXXX '' in the amount of {$530.00}, was NOT my account and that I have never had a XXXX XXXX. I then received a letter from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX to collect this same debt that I have never owned, on XX/XX/XXXX. I called this company and let them know that I have never owned this debt or a card from XXXX XXXX. The CSR proceeded to tell me, " Well it's your debt, they used your personal information and social in XXXX to open a card. '' I asked her what address they have of this so-called original debt, and she said " XXXX XXXX XXXX '', which I realized that this is either fake debt or someone else 's debt or that someone used my identity because I didn't live at my current address until XXXX, AND I never owned this account or credit card at all, and I keep all old credit cards, even those credit accounts that I have previously closed just because I am afraid of someone getting my personal identifying information from old accounts, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I requested my free annual credit report on XXXX and only received the XXXX report. For Equifax and XXXX I only got vague messages that the report could not be retrieved. I tried to find help on the Equifax and XXXX sites but anything regarding credit reports directs you to a pay page. I can see no reason why these can not be provided and feel that this is fraud and the companies are unhappy providing this free reports so they send you just a vague message that you can't get it. Last year this happened from me with just Equifax, this year XXXX apparently is having " unexpected issues '' too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc.
State: MN

Complaint narrative:
I was researching mortgage rates and was on XXXX   XXXX 's website. In order to view their info you have to register. No sooner did I click the button and my phone instantly started ringing. In the 18 hrs since then I have received one dozen calls, 1 text and 3-4 emails from various companies. Nowhere in their literature did it explain that by clicking their website registration, that I would be placed into a broad distribution scheme and would start receiving sales calls. XXXX XXXX   needs to stop and ask for permission to pass your information on and it needs to be a limited number of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Robert J. Colclough, III
State: NY

Complaint narrative:
Due to the mishandling of this account.. Debt was paid in full.

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 2019-04-03 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: Innovis
State: TN

Complaint narrative:
Innovis failed to do make a good faith effort to correct my consumer report. I submitted a dispute on XX/XX/2019 concerning an inaccurate reporting of an account. I explained that this information had been updated on 2 of the 3 major credit bureaus and I was working with the 3rd. I also explained additional steps that I had taken to get this information corrected. They sent me a report 2 days later stating the information had been verified. Not only did they not do a proper investigation and failed to take the new information into account, they sent the report back with correct information being changed to incorrect specifically the last payment amount that changed by {$13000.00} This is clearly a failure on their part and an example corporate irresponsibility .After reaching out to them they continued and failed to comply and correct my report. This company has failed in its corporate responsibility and failed to operate under FCRA They clearly do not care that the information is wrong. Additional complaints with regulatory authority may/will be notified if this is not corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I purchased a new XXXX XXXX XXXX and was charge 27 % interest. According to the Illinois predatory lending act the average I should be charged is 13 % - 18 %. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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:
I had signed up for Experian in XXXX and was being charged {$5.00} a month. I checked by account recently and over the last two months, I had been automatically upgrade to an Experian IdentityWorks Plus account without being notified before. My bank account was subsequently charged roughly {$20.00} per month. 

I have never signed up for Experian IdentityWorks Plus and never knew about it. On my " My Membership '' page on the Experian website, it still shows my price as $ XXXX/month. When I spoke to call center representative, they said that my Experian page was probably not updated ( meaning that there is a discrepancy between what I'm being told and what I've paid over the last two months ). Furthermore, I have been a member since XXXX, paying {$5.00} per month, but she said I had a promotional offer that ended in XX/XX/XXXX. However, on my account, it says I had a promotional offer for {$5.00} off for 3 months only. So, there is also another discrepancy there. 

In short, they have automatically signed me up for a more expensive service without notifying me. They only refunded my one month of the Experian IdentityWorks Plus though they charged me for two and said they could not refund the other month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: AMERICAN HONDA FINANCE CORP
State: KY

Complaint narrative:
At the end of the lease, we refinance the loan away from Honda financial. We no longer had credit with them. When taxes came due on the vehicle, the city of XXXX sent Honda financial a bill. This bill should have came to us. Honda paid the bill. They then started posting late credit payments on our credit reports for late payment to a loan that was closed. We attempted to resolve this with Honda financial. We reimbursed them the money they paid the city of XXXX and told them that we did not ask them to do that for us and did not agree to any credit terms for those payments. They are refusing to remove those late payments on our reports. Currently myself and my the co-owner of the Honda Pilot are showing a 30 and a 60 day late for XX/XX/XXXX and XX/XX/XXXX. we did not have a loan or credit agreement with Honda Financial at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
To whom it may concern : There is someone stealing from my bank accounts at Wells Fargo, XXXX XXXX, and the XXXX XXXX XXXX XXXX. They are using XXXX XXXX, XXXX XXXX and other sources to transfer money. I do not know how they retrieved my personal information. Maybe, they stole mail from my street. I receive weird letters with different addresses and names. 

I am very saddened that this is happening. I am older, vision impaired, and in pain daily. I can not go to the bank every time that there is a problem or money is stolen. This account belongs to me, however, my daughter is a beneficiary on several accounts. My daughter has been on taxes, since XXXX, we were involved in accidents in the XXXX 's and she ( XXXX XXXX ) assists me daily with care. We have accumulated a lot of wealth. 

The police have also been recently harassing us. They were harassing my daughter for no reason and they have destroyed her property, worsening our health. My daughter is severely depressed. They ruined her vehicle to the point she has to associate with dangerous people while travelling. The police might be stealing personal information to ruin me and my daughter 's life. I do not speak to any other people in regards to my checking or savings account except my daughter XXXX XXXX. The people who are hacking my account are strange people who I have no affiliation with. I am very anxious and nervous since these problems continue to occur. 

My daughter has several complaints here also. Please send me correspondence of this complaint. Someone else also has hacked my telephone number as well as my daughter 's trying to steal money from our accounts. I never talk to this people. Telemarketers and scammers might make calls occasionally. Please help me with this matter. The police might have also caused some of these problems and there is even a stolen check that was in my daughter 's vehicle that, XXXX XXXX, my daughter 's previous finance company has stolen. 

Basically, someone is hacking my phone numbers, debit cards, bank accounts and other information to steal money online through different banks. 
Please email my daughter with correspondence about this case. Note : hackers are hacking me and my daughters phone numbers. They are using identity fraud. Who has are numbers? 
My name is XXXX XXXX Daughter 's name 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 2019-04-03 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: IA

Complaint narrative:
nAVIENT HAS MIS-ALLOCATED MY PAYMENTS. I HAVE PAID THEM OVER {$6000.00} ON A {$4900.00} PRIVATE STUDENT LOAN ISSUED IN XX/XX/2009. HARDLY NONE OF THE PRINCIPLE DOLLAR AMOUNTS HAVE BEEN PAID ON. ADDITIONALLY, WHEN I HAD TIMES OF ECONOMIC HARDSHIP DUE TO JOBLOSS NAVIENT DID NOT PROVIDE INCOME DRIVEN LOWERED MONTHLY PAYMENTS. THEY STEERED ME INTO PROGRAMS WHICH WAS ONLY TO BENEFIT NAVIENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TN

Complaint narrative:
I am enrolled in the public service student loan forgiveness program. I enrolled in the program in XXXX. I have been in an income based repayment plan the entire time, re-certified my income every year, and I have always been on direct debit for the payments. My loan was transferred to XXXX, who two years ago told me that my payments have not qualified toward student loan forgiveness. They can't tell me why. I advised them that this is impossible due to having been on the proper type of loan on direct debit with annual re-certification, and they have been " reviewing '' this for almost TWO YEARS. ( XXXX of XXXX will mark two years they're " looking into it. '' ) I even sent them proof of all the payments prior to the loan being transferred to them. They are not doing anything and lying to me that my payments haven't qualified. I need them to certify that my payments have in fact qualified and that I am on target for the loan forgiveness in XX/XX/XXXX. I have attached proof of payment of my loans dating back to XX/XX/XXXX that I submitted two years ago to prove that my payments have always qualified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03 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: KY

Complaint narrative:
At the end of the lease, we refinance the loan away from XXXX XXXX. We no longer had credit with them. When taxes came due on the vehicle, the city of XXXX sent XXXX XXXX a bill. This bill should have came to us. XXXX paid the bill. They then started posting late credit payments on our credit reports for late payment to a loan that was closed. We attempted to resolve this with XXXX XXXX. We reimbursed them the money they paid the city of XXXX and told them that we did not ask them to do that for us and did not agree to any credit terms for those payments. They are refusing to remove those late payments on our reports. Currently myself and my the co-owner of the XXXX XXXX are showing a 30 and a 60 day late for XXXX and XXXX of XXXX we did not have a loan or credit agreement with XXXX XXXX at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
My credit was used back in 2012 to get XXXX cell phone service I never given any permission to open any account in my name. I resolved this matter 7 years ago

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: MARINER FINANCE, LLC
State: KY

Complaint narrative:
I opened a loan with Personal Finance in XXXX Kentucky. It was not my first time borrowing money from this company and had a positive experience and on time repayment record with the lender. Shortly after I took out my second load with Personal Finance in XX/XX/2017, they were purchased by Mariner Finance, in XXXX or XXXX of the same year. Mariner Finance closed the office where I made my payments. They made no attempt to communicate with me the new payment location or how I was supposed to make payment to now a completely new loan. When a new loan officer called me, I was late on the loan, for that one month only. I paid the loan up immediately and ultimately paid off the loan early to avoid any other issues with the new lender. I have tried to resolve this issue with the lender several times. I did not change where I made my payments, I did not change my loan details, I did not close the office with no forwarding number.

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 2019-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Premier Student Loan Center
State: OH

Complaint narrative:
I was told about the company Premier Student Loan Center by my cousin who had spoken with a representative that told her he could get her student loans forgiven and that if she referred people to him she would get a {$25.00} gift card for each referral. I called the company and a representative told me he could get my loans reduced but he had to confirm that I qualified. I gave him all of my demographical information and verbal permission to access my loan information. He stated I owed {$81.00}, XXXX and if I stayed with XXXX I would end up paying {$160.00}, XXXX but if I went with his company he could get my loans reduced by {$69000.00} and only have to repay {$11000.00}. He stated I needed to authorize my automatic monthly debits and his company would get my loans forgiven. I was to make 5 payments of {$230.00} and the remaining payments of {$86.00} for 120 months and my loans would be paid in full. From XX/XX/XXXX to XX/XX/XXXX I made my required 5 payments and then I began to see monthly payments of {$40.00}. I thought nothing of it because I was making my payments. In XX/XX/XXXX I received an alert from XXXX XXXX that my loan balance was going up rather than down. I called XXXX and was told no payments had been made and that I had no payments due because this company had told the US Department of Education that I had no taxable income during XXXX. I was astonished and afraid all at the same time as this company had lied to the federal government and I could suffer the repercussions due to their negligence in providing false information. XXXX advised me to contact CFPB to file a complaint and seek financial resolution for the 12 months + payments I have made that never went anywhere towards my actual loans. To contact www.studentloans.gov to get my password reset. To contact my financial institution to stop the payments. So I contacted CFPB and was told to complete these preliminary steps to get the complaint filed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. 

I would like Equifax to remove inaccuracies information that does not belong to me.

Company response to consumer: Closed with explanation