vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Hello, My wife and I were robbed out of a {$400.00} account opening bonus from Citi bank. I opened the account on XX/XX/2020, and followed all of the required activities to get the opening bonus. The required activities are attached for reference. 

While we were waiting to receive the bonus, after depositing over {$15000.00} in the account, we got notice that one of the accounts was being closed because we chose to put all the money into the savings, not the checking. I called Citi Bank to make sure that this would not impact our ability to get the {$400.00} bonus and the person I spoke with assured us it would not, citing the " Cash Bonus '' section of the attached XXXX document. Which says, " The Cash Bonus will be credited within 90 days from the date you complete all Required Activities. At the time the Cash Bonus is paid, it will be credited to the new Eligible Checking Account. If the Eligible Account is closed, then the Cash Bonus will be credited to the Eligible Savings Account. XXXX accounts must be in good standing. '' Sure enough, when the time came to pay up, they did not. That is when I started calling and spoke with XXXX XXXX XXXX XXXX who said we are correct and will get our bonus, then we didn't. XXXX XXXX XXXX XXXX, who said he couldn't find the promotion. Then XXXX XXXX XXXX XXXX XXXX, who said she would look into it and call me back and never did. 

Finally, I got a series of denied promotion letters saying that the reason we didn't get the promotion was that " We show that Checking Account number XXXX was closed on XX/XX/2020, therefore the account is not eligible to receive {$400.00} in fulfillment of Promotion XXXX ''. 

And that was it! They didn't follow their own rules and deposit the cash bonus in our other savings account. I feel like we were lied to, pushed around, passed around, told we would get it, did everything as we should have, double-checked, and STILL didn't get the bonus. There is no way we would have ever open this account if we didn't get the bonus. We are so upset and mad and don't know what else to do. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Company called every day repeatedly as early as XXXX to try to collect a balance that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
My HELOC loan was transferred to Loancare ( Tel XXXX ) from XXXX-XXXX  on XX/XX/2021. My loan number # XXXX shows up in their system but the website is not allowing payments and I can not get a payoff quote when contacting them by telephone. My pay date is XXXX so I don't want to go into default on the loan, which is why I'm trying to pay off the entire amount. I have called at least 5 times and I get different information every time I call regarding when and how I can make payments, but I'm never allowed to make any actual payment! If you need to reach me call anytime at ( 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 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The three bureaus continue to report inaccurate medical information on my credit report. They are originally removed and placed back on my credit profile causing impact and violating my rights and HIPAA rights and need to complain. IN addition there are collection accounts for and account I never had and showing open yet in collection and no proof of contracts have yet to be provided in my 3rd attempt.

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 2021-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: BCO Consulting Services
State: MO

Complaint narrative:
I received a call from BCO consulting services on XX/XX/2021 claiming that they are working with the department of education. They told me that I'm eligible for a forgiveness plan called revised pay as you earn ( REPAYE ), but I need to make 4 payments of {$240.00} each month for a total of {$990.00}, and after that, I will have to pay XXXX if my income stays below XXXX a year. So the remaining of my loan {$98000.00} will be forgiven for the time I'm making less than XXXX a year. They asked me to provide 2 recent pay stubs, and I will have to submit that yearly to be eligible. The contact person was XXXX XXXX, phone # XXXX ext XXXX, fax is XXXX, email is XXXX. Website : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX They claimed that they are affiliated with the department of education and federal loan. However, when I contacted federal aid they told me that they are not affiliated with any third part and this is probably a fraud. So that's why I'm reporting this to the department of education as well. 

I want to make sure that they will not use my SSN, driver 's license number, or other personal information to take a loan on my behalf or do any fraudulent activity using my information. Also, if you can place a notation or a pop-up on my account so if any contact or documentation comes from this company to be considered fraudulent and please do not work with them on my behalf. Thank you so much, and please let me know if I need to do anything to protect my federal loans I will attach the document that they made me sign to be eligible for loan consolidation and revised pay as you earn program. It has the department of education logo or name on multiple pages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I XXXX XXXX NEVER GAVE THESE AGENCIES ANY CONSENT OR AUTHORIZATION TO REPORT THIS ACCOUNT TO MY CONSUMER REPORT!!!!! EXPERIAN, XXXX, XXXX  ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. IM A PROTECTED CONSUMER AND KNOW MY RIGHTS!!!!!!

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 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i am writing a complaint regarding Transunion credit reporting agency they are reporting an inaccurate bankruptcy under my name that it foes not belong tome, i have disputed from all three bureaus and was removed from XXXX  and XXXX, but Transunion is giving me a hard time and not providing customer service what so ever, when i dispute it they don't even dispute i call a day later they say that was verified, literally in a day. please i am uploading the same documents which i uploaded and mailed to all three bureaus as a result XXXX  and XXXX  removed this inaccuracy and Transunion does not. please find attached my documents and help me to resolve this issue by removing the inaccurate bankruptcy from my Transunion credit file thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: IA

Complaint narrative:
We are working with a company by the name of NewRez. This company purchased our loan from another provider in the past year. We decided to take advantage of the refinancing options that were available to us and they have been delinquent on every step of their responsibilities. We started the refinancing process in XXXX. We provided all of our required documents with 48 hours of them posting our new loan application. During the first 2 months we could not get any response from there company at all, we were then advised that we need to resubmit our previous required documents because they had now expired due to length of processing. We began asking questions on or about XX/XX/XXXX. The first acknowledgement we received back was XX/XX/2021. We were told that we would not need an appraisal completed because they could view similar homes in our area, this changed in late XXXX. We were originally informed not to make our existing mortgage payments because they wanted the new loan complete and to replace the original - this request has been delayed at least three times by NewRez and has penalized us having to pay on the old loan and not being able to take advantage of the lower interst rate and ability to pay more towards our principle. In the last few weeks we have been told that they were experiencing technically difficulties moving our loan through their system. They have asked us again to resubmit our required paperwork due to it expiring again. We were scheduled to finally close on Wednesday, XX/XX/XXXX but received a call from a Notary stating he never received the loan documents from NewRez. NewRez notified us later of that the had " technically difficulties '' again which did not allow them to send the documents. We are now scheduled for Monday, XX/XX/XXXX but have little confidence in them meeting this deadline as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
Somebody applied for unemployment benefits in my name. I was notified of this through the mail. Shortly after being notified about this, I received this U.S. Bank ReliaCard. I did not apply for unemployment and I do not want this 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 non-monetary relief
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The three bureaus continue to report inaccurate medical information on my credit report. They are originally removed and placed back on my credit profile causing impact and violating my rights and HIPAA rights and need to complain. IN addition there are collection accounts for and account I never had and showing open yet in collection and no proof of contracts have yet to be provided in my 3rd attempt.

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 2021-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: LA

Complaint narrative:
someone opened a phone account in my name which is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: OK

Complaint narrative:
On XX/XX/2021 I received a direct deposit in the amount of {$4200.00} in my Old Netspend checking account. The account was closed due to a fraudulent charge made and a new account was opened. I tried calling Netspend first on XX/XX/2021 to get the funds transferred to my new account and due to heavy call volume they were not answering their phone, and the system automatically hangs up your call. I called again on XX/XX/2021 and again the system hung up the call. I made another call on XX/XX/2021, was on hold for 50 minutes and a customer service representative answered. The customer service rep was asking security questions which is typical but some questions were not. When I challenged her as to why I had not provided sufficient security info up to that point to prove I was the account holder, she became argumentative and said she had no choice but to place me back in the queue where I had already spent 50 minutes trying to talk to a customer service rep. I called again on XX/XX/2021. I was on hold for 1 hour and when the customer service rep answered he said I could only transfer {$300.00} from the old account and that there was a {$1500.00} limit every 24 hours. I declined to transfer the {$300.00} because I did not want to be assessed a transfer fee. I called back on XX/XX/2021 and after a 42 minute hold I spoke to a customer service rep that told me that as of XX/XX/2021 I could only transfer {$380.00} until next month. The next time I could transfer money wouldn't be until XX/XX/2021. I have been receiving the run around from Netspend and they are unwilling to compromise regarding releasing these funds. I am in the process of selling a house and these funds are a necessity to get the home improvement work completed. Their policies are restrictive to the customer and their customer service has been subpar and has had a negative impact on my day to day personal duties and responsibilities and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
my Personal information is inaccurate my address is XXXX XXXX XXXX. The 3 credit Bureaus are reporting different. 

XXXX XXXX . Incorrect information on my credit report. Transunion is reporting Date opened XXXX, XXXX is reporting date opened XXXX. I've called numerous of times bad customer services. 

XXXX XXXX. Incorrect information on my credit report. Transunion is reporting Date opened XXXX, XXXX  and XXXX reporting date opened is XXXX. Also The High credit is inaccurate. Transunion reporting is {$78.00} XXXX  reporting {$0.00} XXXX  reporting {$77.00} Original Creditor is Violating FDCPA Section 807 misleading false reporting. 
I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me I feel like I'm being taken advantage of being ignored of my dispute.

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 2021-03-18 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: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I filled a dispute in regard to the incorrect item on my credit report it has been well over 30 days ago and I haven't received any investigation results. This account was transferred/sold and I am no longer responsible for the account. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature Does not validate the debt and anybody can send a bill and say it's mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX, XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
I have escrow with my mortgage. They are required to timely pay my property taxes and home insurance. My insurance renewal was received on XX/XX/XXXX, they only made a partial payment. My policy lapses on XX/XX/XXXX. When i contacted company that they have not paid my insurance timely they advised me they will pay after my policy expires. That is a breach of contract and exposing my to risk and higher insurance costs.

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 2021-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
I get called everyday by hrrg everyday and they keep bugging me with robocalls. I don't owe them, I just got back from the military

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 2021-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: LA

Complaint narrative:
someone has been using my name for a service i have no knowledge of which is my identity, which is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: MS

Complaint narrative:
XXXX XXXX is reporting violations on my credit first. 

First, under the FCRA 605 section C running of the period it is a violation to re-age an account. XXXX is reporting the date of last activity on XXXX as XX/XX/2019. Equifax is reporting XX/XX/2019 i have sent them several debt validation notices through the cfpb in which they still fail to provide proof that i owe this account besides my address, i have no knowledge of this account, and credit one bank failed to provide any verification of the debt, i attempted to settle an account that not mine and they are not complying the to the amount that i can afford under the FDCPA 809 b i can file suit for not validating the debt yet they continue to collect on it futher in case from Lefevre Boatley vs Diem corp, it was ruled that if a collection agency have not violated your debt and they still continue to report to the credit bureaus they can be sued. 

they have not provided a copy of the account or written contract, and are refusing to do XXXX  and Equifax has responded both times saying this account has been verified as accurate i have attached the information from my XXXX  credit file where they claims the information was verified as accurate and that it meets fcra requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: TX

Complaint narrative:
I missed a payment with Discover Card due to having COVID-19. The charge was for a promotional service who automatically charge my card for {$10.00}. When I became aware this account was past due I made a payment right away on XX/XX/XXXX. I called Discover and explained I had COVID and was not aware of this charge. They removed the late fee and said they would update my account. Instead of updating my account they reported me late to the credit bureau and now my credit was reduced by over 50pts. I disputed the late payment through XXXX and Discover reported I was late and it should remain on my account. I called Discover on XX/XX/XXXX asking if they could remove this from account due to me having COVID along with me being a loyal customer for over 20 years. They told me no because it was not their error. I explained again the payment was missed due to me having COVID and not being able to check my mail they refused to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: AZ

Complaint narrative:
I received an email alert from the credit bureaus reflecting that my credit score had dramatically decreased due to an account status change on my XXXX credit card. 
to my astonishment my credit report was suddenly reflecting 30 day late payment history for 5 months in a row. I sent XXXX a certified letter on XX/XX/XXXX to request that they investigate the situation. I was told that my payments were considered late when I was enrolled in a workout program the year prior. I was offered to enroll in this program to reduce the monthly minimum payments for of 5 months to stay on track I was diligent in adhering to my agreement and always paid all my payments on time since my credit card was opened back in XXXX. .I was never informed or provided with any type of notice or disclosure concerning this matter. this is simply unfair business practices. I have requested that XXXX remove the late payment history as a courtesy and they declined. 
there needs to be accountability with creditors. consumers are being damaged by their actions. I affirm I was never late on my payments so my account history should be adjusted to reflect on time payments.

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