vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-10 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: AZ

Complaint narrative:
On XX/XX/2018 I was going to buy a trampoline for {$80.00} on XXXX. When buying they advertised if you buy something for more then {$50.00} and apply for the XXXX XXXX credit card they will give me {$45.00}. So I applied for the credit card that same day and was approved for XXXX limit. I attempted to use the card online and it was impossible to use. I called Syncrony Financial and XXXX XXXX, and they were not able to help to buy the trampoline with the credit card I qualified for. I called multiple times that day, and no one was able to help. They said they would email me a link to make the purchase with the new credit card and nothing worked. Synchrony said they were not able to give me the credit card info for security reasons. They informed me once I receive credit card to make purchase and I will receive the promotion. When I got credit card almost 2 weeks after I went into XXXX XXXX Website and bought the trampoline, and called Synrony to ask when will credit be applied, and they are telling me because I did not buy the product with the credit card that same day they can not honor the promotion. Then I called a second time and they said they will put in a request and it should take two day. I called today and they told me they don't see the credit and that they will put another request and to give it two more days. At this point I have lost confidence in synchrony and I just want them to give me the XXXX dollar credit promotion as they promised. I don't need the credit card I could have bought this cash, but I wanted to take advantage of the card promotion and the points they offered. I am so upset at them that I don't even want to use the credit card anymore and I just want the credit. I am asking for them to be ethical and to give me the XXXX dollars they promised.

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 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently, I checked my credit files and these unauthorized inquiries showed up on my XXXX. I did not apply for employment with your organization nor did I request credit from any of these organizations. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
I have a collection from grant mercantile age, account XXXX I have already disputed this account and its not being removed from credit report, I did some research and I found out you violated the hippa law for consumers rights, since your a debt colloctor you shouldn't have my medical records, I already talked to a F.c.r.a attorney who will taking my case to sue. 

we are requesting your delete this account from XXXX, XXXX, XXXX, doctor XXXX XXXX XXXX did not fix my XXXX and wants to charge me. that's crazy

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.

Complaint narrative:
Ive been a Citi XXXX XXXX Card holder since XX/XX/2002.

My APR has been 29.99 % since XX/XX/2009 EXCEPT XX/XX/2015-XX/XX/2016 AND XX/XX/2016-XX/XX/2017 when I REQUESTED, and was given a rate reduction to 15.99 %. After those time frames, the rate was again INCREASED to 29.99 %.

I requested a rate reduction in XX/XX/2019. The rate was lowered to 28.24 %.

After I complained, I was advised, " Because we value your business, we have applied a promotional purchase rate of 10.99 % to your account for XXXX   months. '' In XX/XX/XXXX/XX/XX/XXXX of this year ( XX/XX/2018 ), several national publications ( XXXX, XXXX XXXX, XXXX, WXXXX XXXX XXXX, and others ) published, Citibank is voluntarily sending credit card customers a total of {$330.00} million ; " A bank paying its credit card customers instead of the other way around. On Friday, Citigroup announced that it would issue refunds to some XXXX million credit cardholders who had been charged interest rates that were too high '' ; Citi to Refund {$330.00} Million in Card Charges Due to Interest-Rate Problem -Bank failed to lower card rates as required by law ; says XXXX   million accounts were affected and Citi said the issue affected around XXXX million U.S. credit-card accounts over a period ranging from XX/XX/2011 to XX/XX/2017. Some of those accounts received smaller rate reductions than they should have, while others didnt receive any reduction.

I have REQUESTED and received interest rate reductions XXXX since XX/XX/2015. When I requested the reduction last year, I was told I would receive it for XXXX months after which Id have to wait XXXX   months to request the reduction again.

Based on my experiences, I believe that CITI has a stated policy that the customer could receive a lower rate for XXXX months, after which the customer has to wait XXXX months to again request a lower rate. This is a bit different from what the Citi claims.

The bank proudly informed the public that it had " self reported '' the error and would make refunds in the second half of XX/XX/2018.

Since XX/XX/XXXX, I have made several attempts to contact the bank and have received no response. ( XXXX XXXX, Executive Response Unit, XXXX ) I believe I have been overcharged on interest for the years XX/XX/2011-XX/XX/2018 and that I am entitled to adjustments to rates of 10.99-15.99 % for those years. I have the statements for that period of time to document the interest rates charged. ) As Citigroup PUBLICALLY announced ( self-disclosed ) their error and corrective actions, they should be equally transparent with their resolution of the error.

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 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the FULL Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX please remove any other variations of my name. I have recently discovered that my ID was used in XXXX for fraudulent charges and accounts.

The following addresses need to be deleted they are not accurate : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I transferred a balance of XXXX to my Capital One credit card by clicking the " Transfer and Save '' button in an email that was sent to me by Capital One offering 0 % APR for XXXX months. The request was approved and the confirmation read : While you carry a promotional balance, you'll see an additional payment option - the Interest Saver Payment. Pay at least this amount each month to avoid interest on new purchase without having to pay your balance in full.

The original email also contained information about avoiding interest charges : Q. Can I avoid interest on new purchases after I accept this offer?

A. Yes, you can! Pay your Interest Saver Payment ( the minimum payment plus all your non-promotional balances, including purchases, cash advances, fees and finance charges ) by the due date each month, and you wont pay interest on new purchases. You can find the Interest Saver Payment amount on your monthly statement and your online account as a payment option.

The first statement since the transfer posted, on XX/XX/XXXX, was generated on XX/XX/XXXX. This statement did not include a Interest Saver Payment on the monthly statement or online, so I called customer service. I spoke with XXXX XXXX, who worked with a female supervisor. She told me that my Interest Saver Payment would be XXXX, but that she could not produce anything in writing verifying this. For this reason, she transferred me for further assistance. I then spoke with XXXX XXXX, a General Account Supervisor, who said that the transfer did not appear to have promotional terms. He said that there was a known issue, that some customers experienced a transfer that did not have the correct terms. He advised that a case would be opened to investigate this matter and that a decision should be made in XXXX billing cycles, and a letter sent in XXXX days after that. He said that in the meantime, the balance that would begin to accrue interest but that it might be refunded to me if it were determined that I was not given the correct terms. He said that he was not able to do anything further to assist me in getting a resolution before my balance was due. He said there was not anyone at Capital One that he could escalate my issue to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-10 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: CO

Complaint narrative:
I paid a loan in full on XX/XX/2018. I filed a dispute with equifax but the employee disputed company, not balance. XXXX of equifax stated it was their fault. However, I had to submit new dispute ( XX/XX/18 ) to get the balance updated to XXXX. XXXX says it will take another 30 days to correct the mistake. It is now 90 days since the balance was paid in full and has not been updated on my report. Customer service blames XXXX XXXX but XXXX confirms they provided correct info, XXXX balance. 

There is not a number to call a supervisor directly nor is there a way to submit complaint via email. I am sending to you as there is not other recourse. I hope you can assist me with this issue. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mandarich Law Group, LLP
State: OR

Complaint narrative:
I have overpaid to Mandarich Law Group , LLP ( hereinafter " MLG '' ) for benefit to their client XXXX XXXX XXXX ( " XXXX '' ) {$1000.00}. I have been repeatedly assured by representatives from MLG and from XXXX that the overpayment which was received from my employer in the form of wage garnishments that the companies executed, then failed to stop upon receipt of payment in full, would be or have been returned to me. The most recent response from MLG through the CFPB states that a refund in the amount of {$560.00} was sent to me along with a letter confirming that the judgment was satisfied on XX/XX/2018. As of this date ( XX/XX/2018 ) I have not received any satisfaction letter nor any refunded amounts from either MLG or XXXX. I have contacted 'XXXX XXXX ' at MLG via phone on XX/XX/2018 @ 1XXXX XXXX XXXX and was told that the refunds had not been sent and that the MLG accounting department would be contacted to follow up on the issue. I was also told that the additional {$480.00} which was garnished and sent to MLG from my employer on XX/XX/2018 could not be located and I was asked to follow up with my employers payroll company for assistance in locating the funds. Both MLG and XXXX submitted responses to my CFPB complaint dated XX/XX/2019 that this matter was either resolved or in the process of resolution. As of XX/XX/2018 that is not the case.

I would like both companies to provide proof of every correspondence regarding this matter that has been sent to me as well as copies of the checks that have been received on this account and refund checks that have been allegedly sent to me on XX/XX/2018. As of this complaint, XXXX through it's representative MLG, owes me the total overpayment amount of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/2017, I purchased products from XXXX using a XXXX Credit card, after receiving my products an XXXX credit card was issued by Chase was open / issued to me without my authorization. 


I contacted XXXX / Chase at that time they canceled the card and closed the account with no money owed by me. 


On several occasions Chase have sent bills to me on this account that for # 1 ) I didn't authorized, # 2 ) that I NEVER used or OPENED. 


I sent numerous letters, but I'M continued to get a monthly bill on this authorized account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently, I checked my credit files and these unauthorized inquiries showed up on my Credit. I did not apply for employment with your organization nor did I request credit from any of these organizations.

1.XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX XXXX XXXX 4.XXXX 5.XXXX XXXX 6.XXXX XXXX XXXX 7.XXXX XXXX XXXX  8.XXXX XXXX XXXX XXXX 9.XXXX  10.XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX XXXX 13.XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently, I checked my credit files and these unauthorized inquiries showed up on my Credit. I did not apply for employment with your organization nor did I request credit from any of these organizations. 

1XXXX XXXX  2.XXXX XXXX 3.XXXX XXXX XXXX XXXX   4.XXXX 5.XXXX XXXX 6.XXXX XXXX XXXX 7.XXXX XXXX XXXX 8.XXXX XXXX XXXX XXXX 9.XXXX 10XXXX XXXX  11.XXXX XXXX XXXX   12.XXXX XXXX 13.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
In XX/XX/2018 Fay Servicing contacted me about being 6 months behind on my mortgage payments. I spoke to XXXX XXXX at Fay Servicing about this and I told her that was wrong because the payments were being taken out of my bank account automatically every 2 weeks for the past 2 years. she told me that the records on her end showed I was behind 6 months so she needed to see my bank statements that shows the payment was being taking out and she wanted me to fax her the statements. I faxed them to her and when she received them she said it didn't matter that we still showed we were behind and our home was going to be put on the auction block if we didn't give them XXXX XXXX XXXX which ballooned to owing them XXXX XXXX XXXX which I didn't have on hand. In XX/XX/XXXX they also stopped the automatic payments and would not accept any payment unless it was the full amount they stated we owed. I collected my bank my statements from XX/XX/2016 to current which showed that they had been getting there payments every 2 weeks. They were not interested in the information and proof of payment I had. In XX/XX/XXXX we tried making our payments but were unable to do because they had blocked any payments from going through. my house was put on the auction block in XX/XX/2017. mean while I was getting the funds together so we wouldn't lose our home. our home was 12 hrs from being auctioned off when I finally had the funds in hand to save my home. I was given an amount of over {$23000.00} dollars to bring our mortgage current and i was told it included all legal fees.now 3 months into this ordeal I receive a statement for over XXXX XXXX XXXX for legal fees!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Violation of sec 609 ( correct inaccuracies ) Failure to complete proper investigations XX/XX/18 I received 2nd notice of ACCOUNT VERIFIED for account creditor-XXXX XXXX XXXX, from Transunion I have disputed inaccuracies with this account, twice. 
The account balance and terms reported are inaccurate, according to my original contract. 
Terms are higher. 
Balance is not calculated accurately, based on number of payments made. 
Last payment Made : XX/XX/2018 No payment amount listed for this last payment.

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 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
There are fraud items on my credit report, all the other credit bureaus have removed and corrected this information expect Experian although I have provided all the information they requested of me including police report. 

Fraud account ; XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXXXXXX XXXX   XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX Fraud Inquires XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/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 2018-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Community Health Investment Company, LLC.
State: TX

Complaint narrative:
Collector XXXX repeatedly spoke over me trying to railroad the conversation into whatever she earns commission for, ignored my questions was not knowledgeable about collections lied about the companies policy on validating debts, threatened to hang up on me when I got tired of listening to hear pretend she knew what she was doing. When I requested a manager shes transferred me to a lower ranked supervisor, probably a friend to try and make the problem go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the FULL Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX please remove any other variations of my name. I have recently discovered that my ID was used in XXXX for fraudulent charges and accounts. 
The following addresses need to be deleted they are not accurate : XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX   XXXX  XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation