vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I printed out an offer from the Internet advertising " 21 Month Intro Offer on BT ( balance transfers ) and Purchases '' on a Citi Diamond Preferred Card. I called XXXX to apply. The telephone banking sales person confirmed it would be for 21 months, and that I would have four months to make any needed balance transfers. So I went through the entire application process and got approved quickly on the phone, but then she told me balance transfers would be for only 12 months instead of 21 months as originally stated. 

That is an outright BAIT AND SWITCH tactic. I have great credit and two other Citibank credit cards with never one late payment. Isn't this BAIT AND SWITCH illegal? 

XXXX XXXX, XXXX, CA

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 2018-01-30 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX  XXXX XXXX XXXX California 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 2018-01-30 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: NJ

Complaint narrative:
as of XX/XX/ 2018, XXXX XXXX XXXX XXXX has a charge off of XXXX dollars. I voluntarily return the vehicle and the Finance company ( XXXX XXXX XXXX XXXX ) did not appropriately and correctly process the return of the vehicle properly. I was not notified as to the status of the vehicle or my account, other than the full balance was charge off. I have not vehicle and I am still being responsible for that loan, which is unfair practices on behalf of 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 2018-01-30 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: NJ

Complaint narrative:
as of XXXX XXXX, 2018, XXXX XXXX XXXX XXXX has a charge off of XXXX dollars. I voluntarily return the vehicle and the Finance company ( XXXX XXXX XXXX XXXX ) did not appropriately and correctly process the return of the vehicle properly. I was not notified as to the status of the vehicle or my account, other than the full balance was charge off. I have not vehicle and I am still being responsible for that loan, which is unfair practices on behalf of XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: NJ

Complaint narrative:
as of XX/XX/2018, XXXX  XXXX XXXX XXXX has a charge off of XXXX dollars. I voluntarily return the vehicle and the Finance company ( XXXX XXXX XXXX XXXX ) did not appropriately and correctly process the return of the vehicle properly. I was not notified as to the status of the vehicle or my account, other than the full balance was charge off. I have not vehicle and I am still being responsible for that loan, which is unfair practices on behalf of 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 2018-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Good Day. 
Regarding an American Express BlueBird pre-paid card I have : CARD # : XXXX XXXX XXXX $ BALANCE = {$1500.00} ( This is a cash deposit I made at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX, VA XXXX ( XXXX ) XXXX. The total amount has been frozen, and I can not use the card either, since XX/XX/XXXX. ) Whenever I call American Express BlueBird company at XXXX I get this message : " Your account privileges have been permanently suspended. An email has been sent to your account ... '' Then the representative informs me that : " I need to submit to accounts-review to see how come your account got suspended '' ... and when I ask more questions the representative proceeds to either hang up on me, or repeat the same phrase to me over and over and over again : " I need to submit to accounts-review to see how come your account got suspended ''. 

It has been ongoing since XX/XX/XXXX. 

From XX/XX/XXXX to XX/XX/XXXX I have contacted the company five times by telephone. 

I have contacted the company four times by e-mail ( e-mails sent to the following Executive Contacts ) : Primary Contact, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Secondary Contact, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. 

I have sent letters to American Express BlueBird four times by post/mail to : American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( I have received no response, no reply. ) Please resolve. I want to receive a refund check of the full amount {$1500.00} back to me at the address on file. 

I appreciate the platform you provide to resolve such instances of poor customer appreciation. 
Thank you. 
XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX System Account # XXXX ( XXXX ) XXXX a derogatory mark was placed 6 times for XXXX of XXXX Even though I was in XXXX with the United States XXXX and I told them I was leaving. 




XXXX XXXX # XXXX ( XXXX ) XXXX a derogatory mark was placed 1 time for XX/XX/XXXX a derogatory mark was placed 1 time for XX/XX/XXXX a derogatory mark was placed 1 time for XX/XX/XXXX a derogatory mark was placed 1 time for XX/XX/XXXX a derogatory mark was placed 1 time forXX/XX/XXXX These were placed on my credit report even though I was placed in forbearance for a temporary pause in schooling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: MA

Complaint narrative:
this issue backs from XX/XX/XXXX when XXXX  XXXX XXXX did split an {$7100.00} credit card in two, one in dispute are XXXX sent to XXXX XXXX  in XXXX. While dispute with XXXX XXXX XXXX the split that cause unfair negative information on my credit report and they not take any positive attitude or had answer interest came compound that debit reached {$3100.00} reported on XXXX  and XXXX  XXXX XXXX for certain amount of time and at same time, how could be that when XXXX  XXXX XXXX reported sent to XXXX? 
More recently year by end year XXXX I contact XXXX to make an arrangement to pay that debit to clear my unfair debit, I did paid the amount with Bank receipt by XX/XX/XXXX the total amount. XXXX does report my credit card activity on Experian card account # ending in XXXX, the they state in their letter " your credit card # ending in XXXX ( the one that did carried debit amount ) is assigned to this account number being reported to the agencies. This account was transferred from XXXX XXXX XXXX " XXXX never reported payment to Experian even after I called the Bank to do so, as show on my credit history, appear incorrect ND and CO. Experian only state my comments. 
XXXX XXXX, always send a letter to me after I do request them to report Experian and fix the problem and last said on second paragraph " ... .XXXX reported this account as a paid charge off. Per Experian, this account is reporting as a paid charge off '', my question are, is it Experian will report to the Bank to say how the Bank will state on letter or the Bank will report to Agency? Why the Bank does not report paid as agreed on arrangements their letter dated XX/XX/XXXX? Charge off or Written off are considerate by Experian not paid to first creditor, But, never was first creditor or third parties, this were a new credit card sent by XXXX while ( XXXX ) kept another on XXXX   XXXX XXXX. Why XXXX never report to Experian? All this are unfair and hurt me with no reason at all, I believe there nobody that take the right attitude to do so.

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 2018-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
After multiple attempts to contact the credit card companies like XXXX  XXXX, and syncrony financial, they failed to contact me therefore affecting my credit. Syncrony financial balance remaining is {$1000.00} and XXXX XXXX {$350.00}.

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 2018-01-30 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
this issue backs from XX/XX/XXXX when XXXX XXXX XXXX did split an {$7100.00} credit card in two, one in dispute are XXXX sent to Santander Bank in XXXX. While dispute with XXXX XXXX XXXX the split that cause unfair negative information on my credit report and they not take any positive attitude or had answer interest came compound that debit reached {$3100.00} reported on Santander and XXXX XXXX XXXX for certain amount of time and at same time, how could be that when XXXX  XXXX XXXX reported sent to Santander? 
More recently year by end year XXXX I contact Santander to make an arrangement to pay that debit to clear my unfair debit, I did paid the amount with Bank receipt by XX/XX/XXXX the total amount. Santander does report my credit card activity on XXXX  card account # ending in XXXX, the they state in their letter " your credit card # ending in XXXX ( the one that did carried debit amount ) is assigned to this account number being reported to the agencies. This account was transferred from XXXX XXXX XXXX " Santander never reported payment to XXXX even after I called the Bank to do so, as show on my credit history, appear incorrect ND and CO. XXXX only state my comments. 
Santander Bank, always send a letter to me after I do request them to report XXXX   and fix the problem and last said on second paragraph " ... .Santander reported this account as a paid charge off. Per XXXX, this account is reporting as a paid charge off '', my question are, is it XXXX will report to the Bank to say how the Bank will state on letter or the Bank will report to Agency? Why the Bank does not report paid as agreed on arrangements their letter dated XX/XX/XXXX? Charge off or Written off are considerate by XXXX not paid to first creditor, But, never was first creditor or third parties, this were a new credit card sent by XXXX while ( XXXX ) kept another on XXXX   XXXX XXXX. Why Santander never report to XXXX? All this are unfair and hurt me with no reason at all, I believe there nobody that take the right attitude to do so.

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 2018-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX, Manager XXXX The basis for my dispute is was required to notify me prior to XX/XX/XXXX, or no later than 30 days after XXXX XXXX XXXX, XXXX XXXX, Managerfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days afterXX/XX/XXXX, furnishing the negative derogatoryinformation to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. 
They were not met. I asked for documentation & received no response. 
Also, XXXX XXXX XXXX, XXXX XXXX, Manager '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA? 809, which is {$1000.00} per violation and the state of TX allows treble damages. 
Under? 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX, XXXX XXXX, Manager failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve XXXX XXXX XXXX, XXXX XXXX, Manager is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XX/XX/, 2018 Like to link checking account to XXXX. Error saying my bank, TDBank, will not allow outside application access.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Ordered {$500.00} worth Gift " Cards '' for the holidays from the american Express Website. Paid using my American Express card. Received someone else 's order for {$350.00} worth of paper gift " checks ''. When i called to complain about the wrong order they said that the cards have already been used and they need to " investigate ''. My credit cards got charged for the {$500.00} ( + fees ). I have someone else 's {$350.00} worth of gift checks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I deposited a check for XXXX on Sunday XX/XX/XXXX. This check was from XXXX  XXXX XXXX and written from Bank Of America as well so it should have cleared on time. It didnt. When I deposited it, it stated it would be available the next business day, which would be Tuesday XX/XX/XXXX because nothing processes Sunday night. When I deposited it, it also said it would cover transactions posting on XX/XX/XXXX. Well, as usual, BoA has lied to me again. The check that was supposed to clear today, XX/XX/XXXX now days it will clear on XX/XX/XXXX. But my main issue is they, once again, charged me an overdraft fee for something that posted on XX/XX/XXXX, even though I still have the email that CLEARLY states it will cover anything that posts XX/XX/XXXX. Im tired of BoA and the lies they tell and all the money they have quite literally stolen from my account. I will be closing my account with BoA as soon as my income taxes are deposited. I will be withdrawing all of my money and letting everyone I know NEVER to use BoA because they lie and steal from their customers.

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 2018-01-30 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: NY

Complaint narrative:
Updated tradeline XXXX XXXX   Equifax XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD N/A Account closed by credit grantor Bankruptcy XX/XX/XXXX XXXX XX/XX/XXXX THIS ACCOUNT WAS NOT CHARGED OFF AND NOT CLOSED BY CREDIT GRANTOR ... ... THIS ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY AND HEREFORTH DISCHARGED UNDER THE FEDERAL BANKRUPTCY CODE. PLEASE ADJUST YOUR RECORDS ACCORDINGLY TO REFLECT THIS ERROR.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: WI

Complaint narrative:
I have been corresponding with Quicken loans regarding a request for a refund of {$400.00} that was used for an appraisal on my property to secure a refinance of my mortgage. 
In XXXX of XXXX in the approximate dates of the XXXX and XXXX an appraisal was signed off on my property by a 3rd party company contracted by Quicken loans. Several days after the results of the report were relayed to me, I was questioning the accuracy of value that was stated in the report. Since this information would be crucial in determining a prudent amount to refinance my property for, I thought it might be in my best interest to get another opinion. 
I had three realtors and one investor walk the property. In their opinion the houses value was nowhere near what it had been appraised for. Furthermore I would be lucky to get what I had initially paid for it. The initial purchase price of my home was approximately {$25000.00} less than what the appraiser stated was the current value. 
Within 90 days of the report, I chose to put the house on the market. The realtor started the listing price {$15000.00} below the appraisal on XX/XX/XXXX of XXXX. The overall showings comments were poor stating that the property was priced to high. After conservative price reductions the property was sold in month of XX/XX/XXXX for {$52000.00} less than the appraisal. 
It is understandable that the market can fluctuate. The source of my income is social security with no real potential for an increase. Refinancing this property at that time based on the information in the appraisal in conjunction with what was owed and the actual value would have resulted in a greater financial hardship for me. 
An appraisal is to be used as a tool to aid in making an informed decision based on the expert opinion of the person who has issued it. In my communications with Quicken my funds were not returned to me because they were used to pay for the appraisal. The service was contracted by Quicken therefore I have requested a refund for this service from Quicken.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
transunion and XXXX  has not tried to fix my issues even after the police report and idtheft letter cra violation taking more than 30 days to fix the security breach that equifax has cause me to lose time from work also my life with credit issues

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 2018-01-30 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: FL

Complaint narrative:
Ive sent numerous letters to equifax, XXXX and XXXX in regards to fraudulent accounts reporting along with my federal trade commission report. XXXX XXXX ( XXXX XXXX ) is a fraudulently open account. Needs to be removed from all 3 reports. XXXX XXXX XXXX is Fraudulent needs to be removed. After reports and numerous attempts these still remain. They are fraudulent.

Company response to consumer: Closed with explanation