vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Credit Plus Inc
State: NE

Complaint narrative:
A Credit Agency known as ( CREDIT PLUS ) called me on XX/XX/2018 and acted as if they were a Federal Bank using what I call a scam telling me I have money in my escrow I can have paid back to me when in reality without telling me they were trying to get me to change my mortgage, consolidate, and were very aggressive over the phone refusing to listen to me. I did not want any part of it, yet the individual on the phone was very rude and after hanging up he called me back started to call me names. 

Since, I have had at least two credit checks by this company without approving them to look at my credit score or wanting to borrow money from them. They tried to get my credit card number and other personnel information. 

The following is the information I have on them : CREDIT PLUS Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  XXXX State MD Zip XXXX They claimed to be working with the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I reached out to AMEX this week to discuss my sign on bonus. The agent told me I had ~ {$900.00} left to spend to achieve the bonus. I then asked when do I need to do this by. It took the agent several minutes to get back to me and told me the time had expired. I told the agent I wanted the timeline increased to achieve this as it was deceptive that it was never included in any of my statements since getting the card. The agent stated they couldn't do that. I then asked for no annual fee for two years to cover the costs of the card. They couldn't do that either. I went the same round with the agents supervisor. 
I feel that AMEX is not acting in a forthcoming way and they are being deceitful with their practices of not disclosing a timeline on statements when a consumer must spend a certain amount of $ to achieve a sign on bonus. I have spend another {$15000.00} on that card since the date that the agent took a while to find. I have been a good customer for many years and then they choose not to give me the bonus or help with the annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: NJ

Complaint narrative:
I was told in the Citibank online advertisement ( that applied by clicking through ) I would earn {$400.00} when I opened a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. Bonus will post within 90 days from the date you complete all of the requirements. 

I opened the accounts on XX/XX/XXXX and the money was deposited into the accounts on XX/XX/XXXX. This was 10 days after the account opening, well within the 30 day requirement. I deposited {$15000.00} into the checking account and {$100.00} into the savings account ( on XX/XX/XXXX ), thus meeting the total and individual account amount requirements as well. I left the money in these accounts until XX/XX/XXXX not using or moving any of it. On XX/XX/XXXX I withdrew {$2000.00} from the checking account. Thus the money was in the accounts at the proper amounts for longer than the 60 day requirement ( XX/XX/XXXX-XX/XX/XXXX ). The account is still to this day open and in good standing yet I have not received the bonus that should have posted at the end of XX/XX/XXXX ( around XX/XX/XXXX is 90 days after I met all of the requirements ).

I chatted online with a Citi customer service representative on XX/XX/XXXX. He said that I was owed the bonus and should have been paid in XX/XX/XXXX ( I took a screenshot of him saying this and attached it below ), he said that he was issuing a ticket and that Citi would get back to me within 2 business days ( also screenshot and attached below ). I have still heard nothing from them. I then contacted Citi customer service again this past Friday and he said that there was nothing he could do but have my issue expedited. I still have not heard back from Citi and still do not have the {$400.00} bonus. My statement just closed again on XX/XX/XXXX and I was hoping the bonus would be in the account then but it was not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: MO

Complaint narrative:
This account was opened without my permission and several fraudulent charges were applied to the card. I disputed with XXXX XXXX and opened an investigation the account was CLOSED by XXXX XXXX This account was opened XX/XX/2017 account balance {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
This loan wasnt mine it was my brothers, car loan witch is payed of allready and he main some late payments on it witch he didnt mean too he was struggling and now its affecting me on my credit and its not even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: VA

Complaint narrative:
When I open the citi bank checking and saving account in the end of XXXX, there is promotion : deposit more than 15,000 within 60 days, you will get {$400.00} bonus in 90 days. I did deposit $ 15000+ on XX/XX/XXXX. But I got nothing so far. Contacted them twice saying i am qualified, but just wait please. It's not acceptable

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 2018-12-13 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: TX

Complaint narrative:
I decided to take advantage of a promotion w/Citibank in XXXX of 2018. The promotion requirements were to deposit {$15000.00} within thirty days of account opening and maintain the balance for sixty consecutive calendar days following. Ninety days after this requirement was met, Citibank was suppose to deposit the {$400.00} bonus. They did not. I have contacted them and am getting the run around. To follow is a timeline of my account activity. 

XX/XX/18 Opened Checking and Savings Account ( See XXXX Citibank Acct Opening Application.pdf ) XX/XX/18 Deposited $ XXXX ( See XXXX Statement.pdf ) XX/XX/18 Met 60 day requirement ( See XXXX Statement.pdf ) XX/XX/18 Bonus was too be paid. It was not. 

XX/XX/18 Called to inquire about why I hadn't received my bonus. Was transferred a few times. After 45 minutes, a supervisor named 'XXXX ' said she opened a case. She said it would be resolved within 48 hours to which I received written communication confirming. ( See XXXX Notice.pdf ) XX/XX/18 Still no bonus and no follow up. Called again to inquire. Still no answers. Another 45 minute call resulted in a supervisor named 'XXXX  ' stating he had escalated the matter but didn't know when it would be resolved. He had no answers. I let him know this was unacceptable. I then asked for instruction on how to file a complaint. XXXX was very reluctant to provide this information stating he had done so for me. 

I find this all unacceptable. It is simply a matter reviewing my banking activity to see that I met the requirements for their promotion. They are giving me the run around.

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 2018-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Midwestern Health Management INC
State: KS

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX called and threatened garnishment on my wages if they did not get a full payment of {$900.00} today on a medical bill that was not paid in full back in XX/XX/XXXX or XX/XX/XXXX. I haven't changed my number in 10 years and she initially joking laughed that she had to call my job because was not able to contact my personal phone. I advised her that I needed to look into what she was talking about and she said since you won't take care of it today, I'll go ahead with garnishment, and hung the phone up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Charlottesville Bureau of Credits, Inc
State: TX

Complaint narrative:
I have ask for the following and if not recieved I requested deletion and I have yet to get the following items 1 agreement with the creditor that authorizes you to collect on this alleged dept 2the agreement bear my signature stating that I have agreed to assume the dept 3 valid copies of the dept agreement stating the amount of the dept and interest charges 4 proof that the statute of limitations has not expired 5 complete payment history on this account along with an accounting of all additional charges being assessed 6 show me that you are licensed to collect in my state ; Texas 7 your lincense numbers and registered agent I have yet to receive any of this information, and its really becoming a problem, please assist me with this issue

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 2018-12-13 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This account was opened without my permission and several fraudulent charges were applied to the card. I disputed with XXXX XXXX and opened an investigation the account was CLOSED by XXXX XXXX This account was opened XX/XX/2017 account balance {$1000.00}

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 2018-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
I had previously blocked and reported as SPAM this number on my cell phone, but I got a voice mail anyway. The name of the company ( apparently ) is Dynamic Recovery Solutions. There was a toll free number to call back in the voice mail, but I didn't write it down, because I don't owe anyone any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
On XX/XX/2018 at XXXX we received an automated call from RSI ENTERPRISES requesting a call back to XXXX about a debt collection. At XXXX we called and spoke to operator XXXX to ask for our number removed. Unfortunately she could not pinpoint the number as the automated call did not dial our main numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: MI

Complaint narrative:
I haved disputed this with the credit bureas and provided proof of the inaccurate information. All three credit bureaus are reporting different information which proves it is inaccurate and the refuse to update this information

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 2018-12-13 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: MO

Complaint narrative:
Today spoke with XXXX in dispute department. I stated I have received an alert on dispute update. I disputed XXXX XXXX for late payment I was never late and for XXXX XXXX inquiry removal. XXXX told me that they stated that the information was certified and correct I told her that is impossible because I have my statement and what documents did they prove she stated none and they do not have to do that. Which means a creditor can just prove false information and they certify it to be true and affect consumers credit profile. I want them to be fined for ruining consumers credit profile without legal documentation to report negative information to tradelines. Also for false scoring calculations and not updating consumers profile when things are scheduled to fall off report profiles. Credit bureaus are the biggest schemes out here. Credit scores are not the same as lender when we purchase FICO score lenders are different. I want all negative information removed 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 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I haved disputed this with the credit bureas and provided proof of the inaccurate information. All three credit bureaus are reporting different information which proves it is inaccurate and the refuse to update this information

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 2018-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Miller and Steeno, P.C.
State: TN

Complaint narrative:
I responded to the letter I received XXXX-2018. They dated the letter XXXX-2018 and didn't mail it until XXXX-2018. They received my letter on XXXX-2018. I told them I required proof of the contract within 30 days along with their proof they are not a scam and told them I would only communicate through written means. They continue to call my phone and my former employer. I want the harassment to stop. They also left a nasty voicemail threatening to take me to court and garnish my wages. I have resolved this with the original creditor already.

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 2018-12-13 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: Russell Collection Agency, Inc
State: MI

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account RUSSELL COLLECTION AGENCY INC Opened Date XX/XX/, 2014 which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that RUSSELL COLLECTION was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: Arbor Residential Mortgage LLC
State: NJ

Complaint narrative:
I had a loan with XXXX XXXX which was XXXX  XX/XX/XXXX. XXXX still shows the mortgage loan pen with a past due amount of $ 85,000+ and shows delinquency after the discharged date. It shows in XXXX still being delinquent. I need this fixed on my credit report ASAP XXXX/XXXXXXXX XXXXXXXX fixed their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
My husband lost his job and was out of work for a while. I'm under doctor 's care and unable to work. I called GM Financial to ask for a deferment, after the deferment I was still unable to make the car payment because we had gotten behind on other bills such as rent and utilities and had to apply for government assistance for food stamps. I called GM Financial on XX/XX/XXXX, I spoke with XXXX in acceleration department where they do the repossessions and her ID XXXX, XXXX told me that not only were they going to repossess my vehicle but that they were going to garnish my wages and garnish every single income tax refund that we get until the loan is paid off. I told her that in Texas that was against the law, she said it would happen anyway. I asked her if this is being recorded because she's incorrect and she said yes it is being recorded and we're going to repossess the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
I owe {$7900.00} to XXXX XXXX. During the year, I made some changes to enable me to pay them. I contacted my credit Union for a home-equity loan. The Credit Union told me that I should first become current on my mortgage. XXXX XXXX company contacted an attorney who filed a lawsuit. The, attorney, Peroutka, Miller, Klima & Peters, P.A., operating out of XXXX, MD is a debt collector. Just prior to filing the suit, I contacted XXXX XXXX and offered he following settlement terms : 1. {$1500.00} to be paid every late XXXX or early XXXX. This would largely come from my tax return 2. Additionally, If during any calendar year, I am able to secure a home-equity loan, I would pay off the full amount. 
3. The debt collector should dismiss the lawsuit, because that would be counter-productive : it would discourage any lending. Additionally, the terms I propose would be more generous than any result of a lawsuit. 

I also contacted a XXXX XXXX Vice President by the name of XXXX XXXX, and reiterated the plan. I believe this Vice President forwarded this letter to the law firm. I also sent a copy to the law firm. 

I did not receive any response. I called the law firm. I spoke to a lady. Among the first words she uttered were outright untruth : that a lawsuit, once filed, can not be discontinued. Next, she mischaracterized my plans as " vague, '' even though they contained an amount certain, a period certain, and a certain start date. 

I asked to be transferred to the attorney. The lady would not so so, but transferred me to their " supervisor, '' one XXXX XXXX. Mr. XXXX implied that he wants a judgment so he could hold such judgment " over [ my ] head, '' and could not explain why the plan I proposed is inferior to any results to be obtained from such judgment. 

As I had done before, I wrote to the same XXXX XXXX Vice President and told him I was going to file this complaint. 

The lady 's statement is false. You can always dismiss a law suit. My plan is not " vague. '' Mr. XXXX 's admission that they were using the lawsuit to hold over my head is improper. Legal actions are used only to resolve legal disputes, not as threats. I also reminded Mr. XXXX that other pronouncements by him were mildly threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
My ex husband left the apartment we were living in and sticking me with the only one paying the lease. We were 6 months into a 1 year lease. After he left i could no longer  afford to pay the lease so i worked out a deal with the rental company to get out of the lease. I left the apartment in great condition and had another person set to take over the lease after i moved out. However, I now have a collection company attempting to collect a XXXX dollars. There is no way that i owed that much even if i hadn't arranged everything. I've tried to call the company and also sent in things to the credit bureaus but nothing is working and they refuse to send me a breakdown of the bill.

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