vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-20 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: FL

Complaint narrative:
I opened a checking and savings account with Cit Bank around end of XX/XX/XXXX/XX/XX/2018. They had a promotion at that time - deposit {$15000.00} and get {$500.00} bonus in 6 months. I have fulfilled all the requirements and deposited {$15000.00} on XX/XX/2018 as well as set up direct deposit ( first direct deposit made on XX/XX/2018 ). After a month I have called to make sure I'm qualified for the bonus and met all the requirements. Citibank representative verified over the phone that all is good. I have also received an email stating that " I have earned my cash reward '' and it will be deposited to my account within 30 days. Last weekI logged in to my account I noticed that my Savings account was closed. I havent initiate that so I called the bank to check why. I was told it was closed due to inactivity. I have also asked when my bonus will be posted and the representative said that I'm not qualified for the promotion any more since my savings account is closed. It wasnt communicated to me that both savings and checking account need to be open for the bonus to be posted. No one acknowledged me of closing my savings account either. So I filed a dispute and the answer came back saying that my " Checking account was closed on XX/XX/2018 '', therefore I'm not eligible for the promotion. That is simply incorrect. My checking account still open. Seems like Citibank just trying to find an excuse not to pay the bonus.

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 2019-03-20 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: FL

Complaint narrative:
XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to Transunion and XXXX and XXXX  but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

Transunion and XXXX are reporting a monthly payment of {$1900.00} and XXXX is reporting {$0.00}. Transunion is reporting the date opened as XX/XX/XXXX and XXXX and XXXX  are reporting XX/XX/XXXX. Transunion and XXXX are reporting the last reported date as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. transunion is reporting date last active as XX/XX/XXXX XXXX is reporting XXXX XXXX is reporting it as XX/XX/XXXX. ALso Transunion and XXXX are reporting it as 120 days late but XXXX  is reporting payment status unknown. There are so many obvious FCRA violations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
I purchased a Toyota XXXX of XXXX. I was financed by Toyota Financial Services. I was induced to purchase the vehicle using Toyota Financial Services by the Dealership known as Passport Toyota in XXXX XXXX, MD. The car was ultimately repossessed. I was taken advantage as a consumer so I sought corrective action assistance from : Maryland Attorney General ( Consumer Division ), and XXXX XXXX, CEO Toyota XXXX XXXX ( I have included all of these documents with this complaint ). XX/XX/XXXX. I submitted a Settlement Eligibility Form to XXXX ( see document included with this complaint. Friday XXXX, XXXX, I received a Notice of Ineligibility from Toyota Motor Credit Corporation Settlement, Settlement Administration dated XX/XX/XXXX. Reading the documents I enclosed you will see I have been fighting the unfair loan I was provided by Toyota Financial Services. I overpaid for my vehicle and the interest I was charged was probably due to geographical location of this dealership. This dealership is located in a predominantly XXXX neighborhood and serves primarily person 's of XXXX. *At one time I even asked the Department of Justice to investigate this dealership and their discriminatory practice of selling cars and the financing to person 's of XXXX, disproportionally setting them up for repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account RENTDEBT AUTOMATED COLLECTIONS Opened Date XX/XX/2019 which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that RENTDEBT AUTOMATED COLLECTIONS 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 2019-03-20 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: OH

Complaint narrative:
ATTN : Legal Department I would like the following information deleted. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) (  D ). The specific information is not accurate .XXXX XXXX XXXX Closed : XX/XX/XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. As well as The items that appear on my credit report as XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX I have never done any business with this company and I demand a full investigation. I do not recall any payments or anytime timeline of activity ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
my sister who is not strongly literate has been struggling with Toyota Motor corporation She has held on the phone for many hours over a period of 11 months and has been given the run around. she beat the deadline to take part in the Class action suit back in XX/XX/2018. She was told they would honor her contact date of early XX/XX/2018. But did not send her the paperwork until XXXX after she kept calling them inquiring about it. She faxed over the paper work Settlement Eligibility form on three different occasions. She was told back in XX/XX/2018 that her paperwork was received. And later told it wasn't on file. The lawsuit was due to discrimination based on race ( XXXX XXXX  ) giving them high interest rates, charges and fees without determining their true credit worthiness. She has since been treated poorly and continuously discriminated against due to age, race and socio economic standards. She is paying over {$14000.00} for a vehicle that is over 10 years old. They added a warranty and financed it without fully explaining to her the terms. They won't honor her paperwork for the Settlement, either. please help. She has been hung up on, and have been given poor instructions for completing the paperwork .They could discern from her phone calls that she is not very literate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES
State: AL

Complaint narrative:
Beginning in 1997 I attended a public university and student loans were an option for financing. Prior to acquiring a XXXX XXXX XXXX degree, the XXXX XXXX Alabama at XXXXXXXX XXXX financial aid office said student loans were easy to repay and the loans had no interest or very low interest rates. I also took out a loan to attend a XXXX degree program at the XXXX  XXXX XXXX and the loan advisor explained that loans would be easy to pay and the most affordable option. 
I currently have loans financed with Great Lakes Loans and/or the US Department of Education, and I think the the Truth-In-Lending Act is not followed by the institutions. The organizations changed interest rates from fixed to variable. If I had known student loans interest rates would be variable, capitalized, and difficult to pay, I would have applied for more scholarships or attended a different program. In my opinion, these changes and proposed changes do not comply with the Truth-in-Lending Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: IL

Complaint narrative:
I received a notice that my credit score dropped 147 points. XXXX and Transunion are reporting accounts incorrectly. I have sent a letter along with a police report to both and they are still showing wrong information. 
XXXX  is showing incorrect balance on my chase act ending in XXXX. 
XXXX is showing XXXX XXXX which is not my act and is being investigated as fraud and should have been closed. 

Transunion is showing XXXX XXXX closed with balance of {$4400.00} and this act is also not mine and being investigated as fraud. The act was closed in XXXX of 2018 and XXXX XXXX informed me that NO payments should be made on the act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank has recently frozen both of my checking and saving accounts which caused my HOA automatic monthly draw to not go through and my bi-monthly direct deposit to stop working. I contacted the bank numerous times and the customer service always direct me to the know/screw your client department where they kept disconnecting my call after taking for 20+ minutes each time. Their explanation for the account frozen was that the information that was provided in the trust was not completed. My wife had contacted the department that is responsible updating the trust information numerous times prior to the accounts being locked and they had never responded, like going into a black hole because they know that it is a institution that is too big to fail. Frustrated and helpless, I went to a local Citibank local branch, the manager was quite understanding and tried to help and contacting that know/XXXX your client department but the response was that the account was under review. But in the meantime, all my online bank activities were frozen. I have been banking with Citibank for many years ( ~15 years ) and i am quite upset to request a third party to intervene on this matter. Sadly, there is no other avenue to resolve this while I am incurring late fees and my credit scores would probably suffer because of some incompetent folks who simply froze their customer accounts without thinking about some consequences. I hope CFPB can bring this issue to Citibanks attention. 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 2019-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
Dynamic Recovery Solutions, XXXX XXXX XXXX, XXXX, SC XXXX has attempted to collect a credit card from 10 years past in the amount of {$1300.00}. The credit card debt was paid in full to the creditor. The creditor agreed to accept a " reduction '' in a debt in the amount of {$1300.00}. It appears XXXX XXXX has access to this information and is attempting to collect something not owed to them. Dynamic has suggested to " settle '' the {$1300.00} for {$270.00}. Company keeps calling and sending letters to collect a debt not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
They call multiple times a day. Harassing me. Leaving voicemails. Only should be allowed to call once. Not 4 times a day!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have a loan with CAPITAL ONE and XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE and XXXX with no successful resolution. XXXX  and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
For the past 10+ years since graduating from XXXX I have inquired to Navient ( previously servicing as SallieMae ) as to having my aunt removed as co-signor to my student loans. I was initially told that I needed two years of payments to qualify for co-signor release. I asked over multiple calls if these could be through any type of payment plan and was assured any type qualified. After making interest only payments ( while in XXXX  school ) I applied for co-signor release and was then told only interest and principal payments qualified. I then spent another two years making payments and re-applied for co-signor release. I the received a notice that not all my payments over the previous 24 months were timely. When I reviewed the payment history, the few payments indicated as received after the due date were all within 1-2 days after some of which included occasions when the due date fell on a weekend. I continued making payments, ensuring each was received prior to the due date and re-applied 2 additional times for the release. Each time I received a reply that my credit does not meet their criteria. My current yearly income exceeds my current student loan balance and my household income which includes my husbands income is nearly triple my student loan balance. I last applied for co-signor release in XXXX and XX/XX/2018 ( fax confirmations attached ). Each time I received NO response from Navient despite a hard credit inquiry in XX/XX/2018 ( credit bureau item attached ). After years of timely payments and sufficient income I should no longer be required to maintain a co-signor for my loans so that my aunt, who graciously co-signed the student loans of a young XXXX student nearly 15 years ago, no longer has to be impacted by these loans that I have proven to be fully responsible for and capable of repaying.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I received a notice that my credit score dropped 147 points. Equifax and XXXX are reporting accounts incorrectly. I have sent a letter along with a police report to both and they are still showing wrong information. 
Equifax is showing incorrect balance on my chase act ending in XXXX. 
Equifax is showing XXXX XXXX which is not my act and is being investigated as fraud and should have been closed. 

XXXX is showing XXXX XXXX closed with balance of {$4400.00} and this act is also not mine and being investigated as fraud. The act was closed in XX/XX/2018 and XXXX XXXX informed me that NO payments should be made on the act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX advertised a promotion consisting of 0 % interest for 4 years on furniture purchases totaling {$1900.00} or more if you apply and qualify for their store credit card through Synchrony Bank. On XX/XX/XXXX I applied and qualified for the 0 % interest for 4 years promotion and obtained the XXXX XXXX XXXX store credit card through Synchrony Bank. Since I qualified for the 0 % interest for 4 years, on XX/XX/XXXX I purchased furniture totaling {$3700.00}. Then, on XX/XX/XXXX I noticed that I had been charged a total of {$1100.00} in interest payments for the past 10 months starting on XX/XX/XXXX on this purchase for which I had qualified and given 0 % interest for 4 years. This false advertising and fraud consisting of a " bait and switch '' where 0 % interest for 4 years was advertised but then I was charged an interest rate of 29.99 % immediately beginning with my XXXX payment on XX/XX/XXXX needs to be corrected. I am asking that Synchrony Bank correct this fraud by issuing me a refund in the amount of {$1100.00} which is the amount that it charged me as interest on a loan that was 0 % interest for 4 years. Synchrony Bank 's financing options can be found at XXXX and payments are made at www.mysynchrony.com

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
I changed homeowners insurance and received an escrow refund from old insurance company. I have tried calling the mortgage company - Mr Cooper - ( seriously, they are really named Mr Cooper ) at  least a dozen times in the past two weeks, trying to find out how to properly return the money. Just get the automated answer telling me that We are experiencing an unusually heavy call volume, blah, blah. 

Now Mr. Cooper has sent a letter telling me that my insurance has been cancelled and they are fixing to buy their own insurance. I have the new insurance company already working on that. 

Surely a federally regulated financial institution has to answer the XXXX phone. You know what is wrong here?? No one on XX/XX/2008 went to XXXX. 

Can you get them to answer the phone?? 

Thnx XXXX XXXX XXXX Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I have a loan with XXXX XXXX and WFDS. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX XXXX and WFDS with no successful resolution. XXXX and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late.

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