vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
In XX/XX/2018, I had applied for and was approved for the Citi ThankYou Premier credit card. The sign-up bonus offer at the time was 50,000 ThankYou points after {$4000.00} spend in 3 months. I was well aware of the Citi bonus offer language which stated the following : " Bonus ThankYou points are not available if you have had a ThankYou Preferred, ThankYou Premier, or Citi Prestige card OPENED or CLOSED in the  past 24 months. '' I was aware of this because when I went to close my Citi Prestige Card after one year ( opened XX/XX/XXXX ), the Account Manager informed that if I closed the account, my 24 month clock would reset, BUT if i merely downgraded to the Citi ThankYou Preferred card ( No annual fee ), then that clock would not reset and I would only have to wait 1 more year ( instead of 2 ) to sign up for any other ThankYou cards and be eligible for the applicable sign-up bonus. 

Therefore, I did what the Account Manager recommended and downgraded to the ThankYou Preferred. After 1 year passed, I contacted Citi via the online chat and verified my eligibility TWICE, both times receiving confirmation that my 24 month window had passed and I could apply for the ThankYou Premier and be eligible for the bonus. 

After meeting the minimum spend requirement, a couple billing cycles passed and still had not received the 50K bonus points. Upon contacting Citi about this, I was passed around to multiple agents/representatives who all had different takes on what the ruling was. Finally I spoke to someone who first claimed that ( 1 ) " downgrading/any activity is the same as closure or opening of an account ', ( 2 ) " it is against federal law to award me the points even if I was told something in error by a prior representative '', and ( 3 ) " if I was aware of the bonus language, then I should be smart enough not to apply for the card. '' After speaking with the incredibly rude individual, I called back and asked to speak with a supervisor. I requested that the online chat transcripts AND the original phone conversation recording ( from when I downgraded the Citi Prestige ) be pulled for investigation into this matter. I was told I would hear back in 7-10 business days, but it has been over 3 weeks with no response. 

At the end of the day, the account downgrade/product change was NOT an opening or closure of an account. Citi representatives continue to misstate the offer as " any activity on the account in the past 24 months '' but the terms of my application do not clearly say that, AND I was told my a Citi representative that a downgrade does not reset the 24 month clock.

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 2018-09-11 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: MI

Complaint narrative:
XXXX XXXX received a judgement against me and has been garnishing my check for years. I have finally paid the debt in full and yet they are still reporting I have a balance and in collections which has devastated my credit score. The debt of {$3100.00} has been paid in full. I have disputed this account twice.

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 2018-09-11 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: MS

Complaint narrative:
I have disputed this balance and the payment due and provide documentation and yet it still remains on my credit report. Experian is still reporting a {$110.00} balance and payment due of {$110.00} and thats incorrect. There is no payment due and I have a XXXX   balance with this company. The company manager told me to dispute with the credit bureau because they only use XXXX and they dont know how Experian got the information to report it.

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 2018-09-11 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: FL

Complaint narrative:
I have challenged XXXX, Equifax and XXXX about a discharged bankruptcy on my credit report. They saying that they contacted the court to verify the account and they absolutely can not do this because the court does not update, or report the file. They haven't told me who they spoke with in the court, a phone number or when. They can not because I have an actual letter from the stating that they do not take calls in regards to bankruptcies. These credit bureaus have stated a lie. Please see the documentation proving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have challenged XXXX, XXXX and Experian about a discharged bankruptcy on my credit report. They saying that they contacted the court to verify the account and they absolutely can not do this because the court does not update, or report the file. They haven't told me who they spoke with in the court, a phone number or when. They can not because I have an actual letter from the stating that they do not take calls in regards to bankruptcies. These credit bureaus have stated a lie. Please see the documentation proving this.

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 2018-09-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: AmeriCash Holding LLC
State: CO

Complaint narrative:
XXXX XXXX in Wisconsin calls me 3 times per day on a {$300.00} personal payday loan taken out 4 years ago. I have received threatening calls from Texas accusing me of bank fraud in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
I have been harassed by 3 different collection companies over the past 4 years for money owed for equipment that was returned to XXXX on XX/XX/2014. I have a written receipt from a XXXX representative showing the returned equipment. Each time I provide the receipt the collection agency stops and then I am contacted by a different collections agency for the same bill. Each time the collections shows up on my credit report and is damaging my rating. The most current company that is attempting to collect the amount is XXXX XXXX XXXX.I have notified this company as I have the others and again get no response.

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 2018-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I filled a BK Chapter XXXX on XX/XX/XXXX XXXX. In the course of this Bk their lawyer stipulated on behalf of the Lenders, XXXX XXXX  XXXX XXXX XXXX, as Trustee for XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX 'S, to stipulate the terms of the loan to be a secured agreed amount of {$260000.00} plus {$14000.00} for escrow advances to be amortized over 30 years at 5.0 % per annum. Payments were to begin XX/XX/XXXX in the sum of {$1500.00} plus regular monthly escrowed payments of taxes and homeowners insurance. In the event that the Debtor defaults under stipulation, a 30 day letter shall be sent for each default and a {$100.00} shall be fined to cure. None of this took place.I sent a payment every month for the past 6 years, first to XXXX servicing, then to SLS servicing. During this BK a notice of default was filed, XX/XX/XXXX, a notice of sale filed XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I continued to make the payments at times the amounts requested were irregular but I made them anyway. My BK was confirmed on XX/XX/XXXX and the final degree was granted on XX/XX/XXXX along with an order of discharge on XX/XX/XXXX " stating that a complaint objecting to discharge of the debtor was filed and, after due notice and hearing was not sustained '' " Any judgement heretofore obtained in any court other than this court is null and void '' Beginning in XX/XX/XXXX SLS refused by payments saying that I was in default from XX/XX/XXXX.They say I missed 6 payments. I protested by asking for a QWR on XX/XX/XXXX asking for an accounting of my payments beginning with the court stipulation XXXX XXXX. They responded but not to the original date and not simply understood, I sent another QWR on XX/XX/XXXX requesting an accounting of my payments beginning from the court stipulation beginning on XX/XX/XXXX. I have not received any response. I want to keep my property and I want to be treated fairly by the servicer/lender.

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 2018-09-11 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: IN

Complaint narrative:
I recently filed for a loan with my bank I received a denial letter. Stating I had account in collect or delinquency. I have no accounts in collection or delinquent Lack of revolving account information. I have multiple loans. In my name reporting to all reporting agencies Lack of bank/national revolving informal. I've been with the same bank for 25 years. 

Length of time accounts. I have multiple loans/accounts that have been open for years. 

The report was from Experian

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 2018-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX / Resurgent Capital Services is claiming I owe {$700.00}. Original Creditor listed as XXXX XXXX XXXX. I have no knowledge of this account whatsoever. I have disputed this via XXXX but the account has not been removed. I received a call from the debt collector who verified my identity by telling me my SSN and DOB and the DOB was incorrect. I sent a certified letter to XXXX / Resurgent Capital Services at Resurgent Capital Services XXXX XXXX XXXX, SC XXXX. The letter I sent XXXX / Resurgent demanded they mail me evidence the account belong to me but I have not received any letters validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  account on my credit report is in a class action law suit with XXXX XXXX were they messed up auto loan account because they charged for insurance I already had resulting in wrongful reposesion, and charge off on my credit for {$8900.00}. should have been removed from my credit report

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 2018-09-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX account on my credit report is in a class action law suit with XXXX XXXX were they messed up auto loan account because they charged for insurance I already had resulting in wrongful reposesion, and charge off on my credit for {$8900.00}. should have been removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX account on my credit report is in a class action law suit with XXXX XXXX were they messed up auto loan account because they charged for insurance I already had resulting in wrongful reposesion, and charge off on my credit for {$8900.00}. should have been removed from my credit report

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 2018-09-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: KY

Complaint narrative:
I have requested from AD ASTRA RECOVERY SERVICES, two times for validation of a debt that is showing up on my credit report. This company has not responded to my request. Apparently this account was opened online. The amount showing is {$500.00} on or around XX/XX/XXXX. I have requested validation XX/XX/XXXX and XX/XX/XXXX, as  both request were in writing. am requesting this account be removed from my credit file, as this is putting a stand still on my home purchase. This company has failed to send me validation of this account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: TX

Complaint narrative:
I disputed the lates that were on my credit report from all the bureaus XXXX, XXXX and Transunion. All three have not removed the late from XXXX XXXX after being provided proof.

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 2018-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
On XX/XX/XXXX18 I made an electronic payment via the companies Web site in the amount of {$17000.00} which was the amount of the payoff ( the Escrow of over {$2500.00} was still in the account ) On XX/XX/XXXX I called them because my account still did not show being credited even though the money had been out of my checking account for almost 2 weeks. Apparently they only except close to payoff amounts via Cashiers Check or Wire transfer so the payment has been in a limbo account of theirs for almost a month ... They said they would not credit my account and that they would have to return the money back to me via the same means of which I sent it to them ( in my case electronically ) and that it would take up till XX/XX/XXXX to get my money back. I told them this was unacceptable so then I was told that if I send in a bank statement proving that it had cleared my checking account that I would get the money back within 4 business days. I emailed the scanned bank statement to them and then called to make sure they had received the bank statement and they said that they received it on XX/XX/XXXX. I now just called them on XX/XX/XXXX because it has been well over 4 business days and they are now telling me that it will not be electronically re deposited into my account but via a paper check and mailed to me. They will not send it out till at the earliest the end of the week. At the time of this writing I hope that this is the case and that I do actually receive a check within about 1-2 weeks  from now ... ..although I doubt it as I have been lied to for about a month. They clearly have policies in place to keep a consumers money as long as possible without returning it to them. I find this unethical and possibly illegal. Please help us

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 2018-09-11 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: TIDEWATER FINANCE COMPANY, INC.
State: MI

Complaint narrative:
Tidewater Company received a judgement against me and has been garnishing my check for years. I have finally paid the debt in full and yet they are still reporting I have a balance and in collections which has devastated my credit score. The debt of {$3100.00} has been paid in full. I have disputed this account twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX received a judgement against me and has been garnishing my check for years. I have finally paid the debt in full and yet they are still reporting I have a balance and in collections which has devastated my credit score. The debt of {$3100.00} has been paid in full. I have disputed this account twice.

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 2018-09-11 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: RFNA, LP
State: MS

Complaint narrative:
I have disputed this balance and the payment due and provide documentation and yet it still remains on my credit report. XXXX  is still reporting a {$110.00} balance and payment due of {$110.00} and thats incorrect. There is no payment due and I have a XXXX   balance with this company. The company manager told me to dispute with the credit bureau because they only use XXXX and they dont know how XXXX got the information to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: TX

Complaint narrative:
I disputed the lates that were on my credit report from all the bureaus Equifax, XXXX   and XXXX. All three have not removed the late from XXXX XXXX after being provided proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: TX

Complaint narrative:
I disputed the lates that were on my credit report from all the bureaus XXXX, Experian and XXXX. All three have not removed the late from XXXX XXXX after being provided proof.

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 2018-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
TransUnion continues to report a balance for assurance even after Ive shown documentation of a XXXX balance

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 2018-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
-XX/XX/XXXX : was supposed to get a refund of over 300.00 from Delta Airlines credited to my account. This has not happened. 

XXXX XXXX : cash deposits not immediately credited XXXX XXXX to present : rent and car loans repeatedly submitted and rejected, causing multiple insufficient fund fees and late fees XXXX XXXX to present : debits and credits posted in an irregular fashion

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-11 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: PNC Bank N.A.
State: IN

Complaint narrative:
I recently filed for a loan with my bank I received a denial letter. Stating I had account in collect or delinquency. I have no accounts in collection or delinquent Lack of revolving account information. I have multiple loans. In my name reporting to all reporting agencies Lack of bank/national revolving informal. I've been with the same bank for 25 years. 

Length of time accounts. I have multiple loans/accounts that have been open for years. 

The report was from XXXX

Company response to consumer: Closed with explanation