vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
This involves satellite service to a rental property I owned. Original complaint was from " XXXX ''. XXXX tenant moved out and XXXX went after me as I originally co-signed for the service, however, XXXX allowed the renter to increase the service and also let her slide for a period of time, increasing the amount owed. I also never received the bills as the tenant notified them that she was the billing party. XXXX made a lot of money on this account for many years and easily could have written this off as a promotion opportunity as this account never would have existed except for my kindness and this is the way they treated me!. XXXX then sent this bill ( about {$91.00} ) to Diversified Consultants IN. They accepted about 1/2 the amount owed and I figured even though I was not the party they should go after, it was better to pay it then have my credit affected. Diversified said they would accept partial payment as " payment in full '' and would remove any negative credit in return for payment. ( Including paid collection accounts! ). It is insane to think they have seriously damaged my credit rating for a less then {$91.00} dollar bill. ( by the way, the bill increased because of late charges etc. ). I ask that they remove this negative credit blemish and maybe I would consider getting service once more from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center
State: TX

Complaint narrative:
Premier student loan center did not infrom me that i could fill out the form on My own without charge. They didn't inform me that what they are charging me i could do it for free on student loan.gov. They have already charged me two months of {$230.00}. The dates were XXXX XXXX and XX/XX/2018. I wasnt aware they were a third party. I have been trying to contact premier student loan center but they never returned my call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
XXXX XXXX is trying to collect a debt in the amount of {$2000.00} which was added to my credit report on XX/XX/XXXX16. 

I have tried making contact with XXXX XXXX and each ( 3 ) credit bureau letting them know this debt does not belong to me. I still have not received original signed documents from either of the bureau nor XXXX XXXX the credit bureau are saying these items have been verified I will like to see the original signed documents stating how.

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 2018-04-26 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: Credit Karma, LLC
State: CA

Complaint narrative:
I received an email from CreditKarma alerting me that a credit inquiry from XXXX had been ran using my name, address, and social security number. I do not have any accounts with XXXX. I disputed the inquiry with CreditKarma and left it alone. Later, I got the " confirmation '' letter in the mail, however it was in XXXX, and I do not speak XXXX, so I knew that someone had tried to commit fraud. I called XXXX and reported the fraud, and they told me that they would handle the situation. However, as of today, the inquiry is still showing on my XXXX and is bringing my score down into the yellow. I want the inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Dear Sir/Madam- This is to bring to your notice that Synchrony Financial recently re-issued me a credit card. Upon re-issuing my credit card, they automatically converted my outstanding balances to a balance transfer mode without any form of disclosure. I raised the issue with the concern with Synchrony Financial. However they state that because the card was being re-issued the outstanding balances are being converted to a balance transfer mode. In addition they were not able to provide me the new cut off date for my payments. 

This is a predatory tactic adopted by Synchrony financial. I decided to go ahead and payoff the amount of USD XXXX ( Balance Tranfer date being XX/XX/2018 ) without incurring any penalties. 

The lackadaisical attitude of Synchrony Financial ( XXXX XXXX Co-branded ) card reminds me of the predatory tactic adopted during the height of recession. Having worked in a Bank, I understood the nuances. However an financial illiterate would not have noticed this instance.

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 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
>>>>> Investigation Results <<<<< Credit Reporting agency failed and continues to fail in correcting my name on the report, our repeated complaints went unanswered. 

Several erroneous names that do not belong to me appears in the Personal Information secion still!!! 

I provided my Government Issued ID and my Social Security Number ( copies ) multiple times to prove my identity and requested that they remove ALL inaccurate and other names that I never had before. 

My Name is : XXXX XXXX XXXX I have NO other names, NO variations of spelling, NO other names before. 

Please correct and remove all other names from my report immediately.

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 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
>>>>> Investigation Results <<<<< Credit Reporting agency failed and continues to fail in correcting my name on the report, our repeated complaints went unanswered. 

Several erroneous names that do not belong to me appears in the Personal Information secion still!!! 

I provided my Government Issued ID and my Social Security Number ( copies ) multiple times to prove my identity and requested that they remove ALL inaccurate and other names that I never had before. 

My Name is : XXXX XXXX XXXX I have NO other names, NO variations of spelling, NO other names before. 

Please correct and remove all other names from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
On XX/XX/XXXX I was approved for a Citibank account. This date is shown in the official correspondence I received from Citi. When I contacted Citi about my promotional offer of {$300.00} they denied that I was eligible for the bonus. They stated that it was past 30 days to make the initial deposit. Since my account was opened on XX/XX/XXXX that means I have until XX/XX/XXXX to make my initial deposit for the bonus requirement. 

Here are the terms so there is no confusion : Receive a sign up bonus of {$300.00} when you complete the following requirements : Open a new eligible consumer checking account in The Citibank Account Package Within thirty days, make a qualifying deposit of {$15000.00} or more in new-to-Citibank funds into the new checking account or new or existing Citi Savings Account or existing Citibank Savings Plus Account, and maintain a minimum balance of {$15000.00} for sixty consecutive calendar days following the date when you made the qualifying deposit. 
Within thirty days, 1 qualifying Direct Deposit must post to the new checking Account each month for 2 consecutive calendar months after opening the new checking account. 
The Fine Print For the Citi Priority Cash bonus offer, Eligible Customers are New-to-Citibank customers who ( 1 ) enroll in the Priority Checking Offer, ( 2 ) open an Eligible Checking Account as first signer and are also ( 3 ) at least eighteen ( 18 ) years of age, and ( 4 ) have a valid XXXX or XXXX XXXX on file with Citibank. ( 5 ) have not been a signer or owner of a Citibank checking account within the last 180 calendar days. 
Eligible Checking Account means a new checking account in The Citi Priority Account Package. Fiduciary, estate, business, and trust accounts that are not Living Trusts, are not eligible for this cash bonus Checking Offer, even if the account otherwise meets the definition of Eligible Checking Account. All accounts subject to approval. The Eligible Checking Account and, if applicable, Eligible Savings Account, must be in good standing for the Eligible Customer to receive this cash bonus offer All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Student Loan Debt Agency
State: OH

Complaint narrative:
I was on a payment plan, paying on time every month. My refund was snatched from me XX/XX/2018 without me knowing I was never sent out a letter or told that my income would be garnished. I called the bureau of fiscal services, and was told my offset was ok and I was ok to file my taxes for the year. Well, I file and student loans took my entire refund and didn't sent me out any letters, e-mails, or phone call. I am a single mother of XXXX, I am about to be evicted, cars repossessed, ect. I need immediate help Please and thank you.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-26 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: DE

Complaint narrative:
XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX Bank ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX Bank ( XXXX ) XXXX XXXX XXXX   Inquiry : XXXX XXXX XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX XXXX   Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX Bank

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 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had my attorneys send letters to all 3 CRA for the following accounts and agencies ... 
XXXX 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX/XXXX Transunion 1.XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX/XXXX XXXX  1.XXXX XXXX XXXX XXXX  2.XXXX/XXXX  3.XXXX  XXXX XXXX ... 
Requesting verifiable proof of these debts in accordance with the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) ...

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 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had my attorneys send letters to all 3 CRA for the following accounts and agencies ... 
XXXX  1.XXXX XXXX XXXX  2.XXXX  XXXX XXXX XXXX 3.XXXX/XXXX  XXXX   1.XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX/XXXX  Experian 1.XXXX XXXX XXXX XXXX 2.XXXX/XXXX 3.XXXX XXXX XXXX ...

Requesting verifiable proof of these debts in accordance with the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) ...

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 2018-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/XXXX, I made two payments via the BarclaysCard US mobile application. One payment for {$2300.00} and the other for {$160.00}. Barclays Card applied the {$160.00} payment and held the {$2300.00} payment. On XX/XX/XXXX, the {$2300.00} cleared my checking account with XXXX XXXX XXXX. On XX/XX/XXXX, the hold on the Barclays Mastercard continued. I contacted customer service on XX/XX/XXXX. They removed the hold and said it would be effective on XX/XX/XXXX. No where in the account opening materials or the account agreement does it disclose Barclays Card UNFAIR, DECEPTIVE AND ABUSIVE PRACTICE of holding a customer 's payment. I have another card with Barclays and am existing customer and this has never happened before or with any other bank.

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 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I have a hard inquiry that I didnt submit/was unaware of

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I sent Citibank a letter to attempt to settle this old account that was a charge off since 2013. The sent me a letter saying they would update the credit bureau 's. They reported that I was 60 days late. I have settled the account and want to have this corrected as paid.

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 2018-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Benuck & Rainey, Inc.
State: CA

Complaint narrative:
I contacted the collection agency I was referred to by the original creditor to ask them why they are not reporting the payments that Im making to them on behalf of the creditor. I was informed that although the creditor closed my account, it was only closed to the point of no longer being able to purchase any more equipment from them, but it was still open for them to report late payments to the credit bureaus, although I've been making payments since XXXX to the collection agency. They stated that since the account was still open, they were not able to report my payments to the credit bureaus, and that the creditor stated that they will continue to report late repayments until I have paid the full amount, or the settlement in full. I informed the representative that I would like to stop making payments until I heard back from the CFPB regarding my complaint against the creditor. The representative informed me that if I stopped making payments to them, the creditor would be taking me to court for the balance due. I believe that they is illegal with malice on both parties, but that the original creditor is intentionally damaging my credit and harming my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: TX

Complaint narrative:
This is not only the tenth time I have contacted Equifax, but the fourth time I have contacted you all. This company continues to report inaccurate information on my credit report. I have sent over all types of prove, I have sent over police reports 5 times showing that my information has been used in different place since I was robbed. When this happened I placed a fraud alert on your credit and still my information was used. Equifax is the only agency reporting these incorrect, lies on my credit and refuses to change it behind the credit agencies that have also failed several time to correct these issues. Each email that I have received from CFPB is in favor of the credit agency, when the information is false. On top of that every time i send in my request, the dates change, the amounts change and the name changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: MI

Complaint narrative:
We agreed to pay {$150.00} a month for TV and internet services for 2 years. I also let them know that we were on an fixed income and could only pay so much a month and they said that they could and would keep the bill under a {$150.00} a month. But every month after XXXX XXXX XXXX took over XXXX XXXX I had to call to let them know that that was not our agreement. So after so many months of trying to get them to fix the problem my husband and I went elsewhere for services. Now XXXX XXXX XXXX XXXX XXXX XXXX say we broke the agreement I didn't they did.

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 2018-04-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Platinum Holdings Group, LLC
State: FL

Complaint narrative:
The caller from # XXXX stated he was with the law office handling the debt. The first call on XX/XX/2018 representative stated the debt and provided options of payments. I requested to have something in writing because i have not yet received any the information that he had stated. I looked on my credit report and there was nothing of this company. I checked online with the phone number and it has been reported as a scam and not a safe number. The caller then called back on XX/XX/2018 time of around XXXX using the same number, stated that he will dropping off documents to my employer because i refused to provide my address. He did not ask for my name he simply began speaking. I stated that he did not even ask whom he had been speaking to before stating this information, the caller/rep stated that he is the only person that answers his phone so i should be the only person that answers mine. The representative then stated during the conversation multiple times that i did not have any character, he then began to verbally assault my military character i asked him to please refrain from speaking of such and the caller continued. I asked the caller if the call was recorded and that he should not be saying the things he was saying. The caller then brought up other legal cases from my past and repeatedly stated i have no type of character and continued to talk badly about me as a person. I then stated that i would be seeking legal representation the representative then called me a liar. I then ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
I have now received 2 collection letters from a law firm in XXXX XXXX, TX regarding 2 unpaid parking tickets. Offense dates were XX/XX/XXXX and XX/XX/XXXX and reference a vehicle I did not own. After the first collection letter in early XX/XX/XXXX, I was told by the agency that I must contact the city of XXXX XXXX to get myself taken off the list. I did contact the city and after reviewing my documentation the city agreed I did not own the car and that I would be removed from the complaint. The city sent me an email on XX/XX/XXXX releasing me from liability. The second collection letter was received XX/XX/XXXX threatening to boot or tow my car if I did not pay the fine plus penalties

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC
State: LA

Complaint narrative:
Answered two times and all u hear is breathing and then they hang up ... looked up the number and its a scammer..phone number is XXXX ... called XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: NJ

Complaint narrative:
The interest is ridiculous I have been paying XXXX monthly for 5 months and still arent done paying till XX/XX/XXXX. I only borrowed {$800.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation