vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: World Omni Financial Corp.
State: MD

Complaint narrative:
World Omni Financial Corp submitted Form XXXX Cancellation of Debt to IRS on XX/XX/2014 but has not cleared the public records of collection, resulting a damage of my credit score since 2014 to now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I was n't getting a high enough interest rate for my savings account at Citibank and went to withdraw my money from the account. The Citigold relationship manager, XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX IL XXXX location of Citibank said, in order to retain my business, he could potentially get me 1 % interest rate on a new savings account he could open up for me. He said that : - Normally I would need to add an additional {$25000.00} to my Citibank account. However, he could override that for me and get me the promotion. 

- I would need to transfer my money from the XXXX branch where it currently resides to his branch. 

We went back and forth on email a few times. After that we spoke on the phone and he said he both transferred my account to XXXX and got me the 1 % interest rate. This was at the end of XXXX. 

I had over {$300000.00} in the account and feel like I am due interest of 1 % for the last 2 months.

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 2017-12-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I applied for a rewards card with Capital One. They advertised that if you charge {$3000.00} within three months of opening an account, that you receive XXXX rewards miles. See link for that advertisement at https : //www.capitalone.comXXXX. I received my card on XXXX XXXX and started using it right away. I reached the {$3000.00} goal on a XXXX/XXXX/XXXX charge. When I inquired today, XXXX XXXX, XXXX, why I had n't yet received my rewards miles, they told me that they considered the account to be opened on the date I applied for the card which was on or about XXXX XXXX! It did n't matter that it was n't received or activated until XXXX XXXX. If what they are saying is correct, then you really do n't have three month 's to reach the {$3000.00} goal because it takes them two weeks to send you the card! No place on their advertisement did it say that the three months started when you applied. And if they do have it somewhere, it is VERY WELL hidden! 

I 've had many rewards cards before and this was NEVER the case. An account does n't exist until your card is received and activated. The XXXX in rewards is supposed to be worth {$400.00} and they now say I am entitled to nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 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: TX

Complaint narrative:
Yes Hard Inquiries have been addressed with the 3 major Credit Reporting Companies however for reasons I am unable to understand or explain the Credit Reporting Companies fail to remove the Inquiries when they expire. XXXX XXXX XXXX made an inquiry on or about XXXX XXXX, 2015, that resulted in a HARD INQUIRY which should have fallen off my Credit Report however it remains and continues to be reported. There are other Hard Inquiries that will be expiring soon and hopefully they will be removed without submitting a Complaint or further review of my Credit Report History.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I called the national credit report request number to obtain my free credit reports for this year because I am suspicious of fraudulent activity. I requested for all 3 reports and it has been almost 2 months since then and I still havent received them. Im concerned someone is using my information and just need to check my credit reports.

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 2017-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I called the national credit report request number to obtain my free credit reports for this year because I am suspicious of fraudulent activity. I requested for all 3 reports and it has been almost 2 months since then and I still havent received them. Im concerned someone is using my information and just need to check my credit reports.

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 2017-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northland Group Inc
State: CO

Complaint narrative:
After writing to the company and informing them that I was only to be contacted via mail, not only have they continued to contact me, but they have begun to call my elderly father and discuss details with him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: E Mortgage
State: CA

Complaint narrative:
OK well I used my XXXX job at a XXXX XXXX called the XXXX XXXX and XXXX XXXX XXXX XXXX as a credit source to secure an apartment when I was XXXX or XXXX years old. I 'm now XXXX and the XXXX XXXX is still listed as my current position, along with XXXX XXXX XXXX XXXX which I only worked at for 3 months. Please take down that information as my employers are looking at that and wo n't hire me even though I do n't work there anymore. 

Please replace the information with my current employment histroy XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX no longer working there And XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX no longer working there. 

Please fix this as my new employer is plaining on doing a credit check this next week and I do n't want to lose my job which I just got over something that is n't true. Please remove the XXXX XXXX and XXXX XXXX XXXX XXXX from my credit report. 

Thanks XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
it says taht my XXXX card took a hard inquiry hit last XXXX, i didnt do this, why why would i need to i have plenty of money avail on taht card, please remove herd inquiry, wasnt me,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citibank contacted my father around XX/XX/XXXX-XX/XX/XXXX. I was out of the country. My father has a separate account with Citibank, they advised him that my account was past due and no payment received since XX/XX/XXXX. My father isnt listed on my account, nor do I live at home with my father. Once my father made the rep aware that he had made a mistake he didnt want to release any further information. My account is enrolled in a Debt Settlement program and i have notified ALL my creditors of this and not to contact me or any one else. 

XXXX XXXX contacted my mother around XX/XX/XXXX-XX/XX/XXXX, while i was out of the country, at my previous home telephone trying to collect on a a debt, after they had been informed of my enrollment into a debt settlement program.

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 2017-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC
State: CO

Complaint narrative:
After writing to the company and informing them that I was only to be contacted via mail, not only have they continued to contact me, but they have begun to call my elderly father and discuss details with him.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 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: NV

Complaint narrative:
Disputes were submitted on XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX to Equifax, XXXX XXXX and to XXXX. The lack of communication these agencies give is utterly ridiculous. As a consumer, it is my right to dispute inaccuracies on my credit files, in which I have. However, these agencies have violated the Fair Credit Act by not responding to my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Protas, Spivok & Collins. LLC
State: MD

Complaint narrative:
received a letter from my employer that I was under a wage garnishment. Did not receive any letter for a court hearing, did not receive any letter that a wage garnishment was granted or the amount of the wage garnishment. I checked Maryland judiciary case search and found it was from XXXX XXXX XXXX and my debt was sold to XXXX XXXX XXXX XXXX Attorneys at Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. Payments began to come out of my pay check inXX/XX/XXXX. I paid an amount of {$1900.00} in the year XX/XX/XXXX. The garnishment continued intoXX/XX/XXXX. To date ( XX/XX/XXXX my amount of debt paid is {$6800.00} I requested a court hearing to stop or modify the payments due to hardship in my family. XXXX XXXX appeared for the court hearing on XX/XX/XXXX and agreed to modify my payments. After receiving my next check I noticed the payments did not change., I called XXXX XXXX office on the following dates : XX/XX/XXXXand XX/XX/XXXX. On every occasion I was refused to be allowed to speak with XXXX whom I conversed with in court. I left messages for him on every date listed above with no return call or email. On XX/XX/XXXX I called the office of XXXX XXXX XXXX again and explained to the receptionist that according to the judgement amount on Maryland case search I had overpaid by {$130.00}. she put me through to the paralegal who refused to give me the total amount of my debt with their company and he would only discuss it with my employer. I asked him why he would not disclose this information as its my case and my wages that are being garnished and he repeated to have my employer call. He intentionally deceived me by refusing to give me the total amount of my debt so I could confirm the amount I have paid and what is still owed. To this day I have had no respose from XXXX XXXX XXXX office regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 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: TX

Complaint narrative:
Yes Hard Inquiries have been addressed with the XXXX major Credit Reporting Companies however for reasons I am unable to understand or explain the Credit Reporting Companies fail to remove the Inquiries when they expire. XXXX XXXX XXXX made an inquiry on or about XXXX XXXX, XXXX, that resulted in a HARD INQUIRY which should have fallen off my Credit Report however it remains and continues to be reported. There are other Hard Inquiries that will be expiring soon and hopefully they will be removed without submitting a Complaint or further review of my Credit Report History.

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 2017-12-22 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: TX

Complaint narrative:
Yes Hard Inquiries have been addressed with the 3 major Credit Reporting Companies however for reasons I am unable to understand or explain the Credit Reporting Companies fail to remove the Inquiries when they expire. XXXX XXXX XXXX made an inquiry on or about XXXX XXXX, 2015, that resulted in a HARD INQUIRY which should have fallen off my Credit Report however it remains and continues to be reported. There are other Hard Inquiries that will be expiring soon and hopefully they will be removed without submitting a Complaint or further review of my Credit Report History.

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 2017-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: KY

Complaint narrative:
In XXXX of this year, I pulled my credit report and found a collection account for XXXX XXXX College. My id was stolen in 2013 and I 've been battling with that since then. I contacted XXXX XXXX and sent my police report. They rectified the situation. About a month ago, I pulled my credit report and found a collection account for XXXX XXXX for XXXX XXXX. I filed a complaint with the BBB. XXXX  refuses to remove the account. The person I 've been in contact with is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 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: NV

Complaint narrative:
Disputes were submitted on XXXX/XXXX/XXXX - XXXX/XXXX/XXXX - XXXX/XXXX/XXXX and XXXX/XXXX/XXXX to XXXX, Trans Union and to XXXX. The lack of communication these agencies give is utterly ridiculous. As a consumer, it is my right to dispute inaccuracies on my credit files, in which I have. However, these agencies have violated the Fair Credit Act by not responding to my concerns.

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 2017-12-22 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: NV

Complaint narrative:
Disputes were submitted on XXXX/XXXX/XXXX - XXXX/XXXX/XXXX - XXXX/XXXX/XXXX and XXXX/XXXX/XXXX to XXXX, XXXX XXXX and to Experian. The lack of communication these agencies give is utterly ridiculous. As a consumer, it is my right to dispute inaccuracies on my credit files, in which I have. However, these agencies have violated the Fair Credit Act by not responding to my concerns.

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 2017-12-22 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: CO

Complaint narrative:
Experian, and XXXX reported I and joint owner XXXX XXXX were 30 days late in XXXX, XXXX on real estate mortgage account XXXX XXXX XXXX XXXX XXXX. 

I disputed this - House was sold XXXX XXXX XXXX Mortgage was paid in full. 

Experian changed the 30 day late to XXXX XXXX and added OK for XXXX XXXX XXXX left XXXX late in XXXX XXXX and added OK for XXXX XXXX and OK for XXXX XXXX Attached is notarized Bill of Sale and Title company Settlement documents stating Paid in full for mortgage and second mortgage dated XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX are in violation of FDCRA rules and regulations because they continue to report fradulent account on my credit report. They have been  reporting an account opened on XXXX/XXXX/2013 for {$1000.00} that I have no knowledge of. I have made no agreements with them. I have received many phone calls and letters, but no matter how often I explain this is due to identity theft in the past they continue to harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I became aware that XXXX XXXX XXXX reported an alleged debt of {$1200.00} from an alleged creditor XXXX. I have no knowlwedge or any contract and communication with XXXX XXXX, XXXX about this alleged debt.

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 2017-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I took out this loan XXXX/XXXX/XXXX loan # XXXX It has been problematic ever since. The dealership made me pay for things I did not need or want which was XXXX XXXX XXXX XXXX XXXX. After reading thru it all again they added on items I did not want and gave me such issues when trying to cancel. They would not email me items requested and said they would not deal with me unless I went in and were so rude. Yes I know when I bought the car I was at the end of a Chapter XXXX that my ex husband was paying off and the court gave me a signed form to get a car loan. The BK is now discharged and paid 100 % in full for almost a year now. But the loan rate is ridiculous and this bait and switch is not what I wanted it took me almost 6 month for them to take off the Gap. They refused to let me cancel extended warranty which I cancelled because already issues with car as AC does not work and they would not cover on brand new car. Also they did have a recall on camshaft sensor but then told me they would not cover. Also never disclosed AC was XXXX which I never heard of and the recharge is XXXX. This car is only a year old and I have had to replace all the cheap tires they had on it. I got the most basic XXXX XXXX and 2 months after I bought dealerships were selling for 15-17K and they charged me close to 30K!! They took advantage as this is the first car I have purchased in over 15 years and the rate is predatory almost 19 % To Date I have paid them XXXX and only XXXX has gone to principal. I requested an APR reduction as because of this I am so upside down on this loan and they received XXXX from dealership from insurance but they would not let me cancel the paint or oil changes they charged me for and never have time to do. So to date I still owe XXXX and looking at this they have payments all only applied to interest. The XXXX they applied to principal. The car is worth 10K max and I have had so many issues and XXXX made promises they never kept. I am being completely ripped off and even with better credit I can never refinance because I have been lied to on this loan. XXXX is too much to pay a month for this XXXX car that after 16 months have had to replace tires/brakes camshaft/AC I cant even afford to fix and if they told me it took the XXXX and cost I would have never purchased. My XXXX company car never took that I have never heard of it. I stopped contacting XXXX XXXX XXXX because they ignored me and were beyond rude. I have had issues with payments with XXXX XXXX which they did fix and waive late fees but with XXXX going straight to interest I mean if they gave me a reasonable rate this car would be halfway to being paid off instead they are hosing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I believe there could be a potential error on the escrow account for my property tax. I received a notice from US Bank on XXXX/XXXX/XXXX stating that there was an escrow shortage of {$2600.00} and my mortgage payment would increase to {$1600.00} as of XXXX/XXXX/XXXX. This is going to cause serious financial hardship for me and my family and I did not receive any previous notice of this change. 
I was not given any reason ( s ) as what caused the difference between the actual escrow amount and the projected escrow amount. I was not given sufficient notice for the increased escrow amount from US Bank either. I have never been late on a mortgage payment and I would appreciate it if someone would investigate this problem and let me know what options I have to resolve 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 non-monetary relief