vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-22 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.
State: CA

Complaint narrative:
I had a Citibank card about 4 years ago. I had been charged with too much fees and when I called them I have been charged too much and I would like to close the account by paying off the balance, the customer service representive was laughing at me and did not care at all about what happened .I was shocked by the lack of care of this bank for its customers. It looks like they are not honest and they really need to improve their service.

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 2017-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
I received a Notice of Servicing Transfer on XXXX/XXXX/XXXX stating that XXXX XXXX sold my loan to Carrington Mtg Services LLC effective XXXX/XXXX/XXXX. I called Carrington Mtg on XXXX/XXXX/XXXX to see what my new account number will be to reference on my mortgage payments. They stated that it will take 4-6 weeks for them to board my loan and that I need to call back every week to see if they have put my loan on the system. They state they ca n't accept a payment until it is on the system & they claim I wo n't be late until 60 days after the transfer. They ca n't give me anything in writing stating this & its absurd that I have to call every week to see if they did their job to make a payment on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CNG FINANCIAL CORPORATION
State: IL

Complaint narrative:
I applied for a loan and was approved. After verifying my information and checking my credit etc. I was told on the phone that the process was complete and I should be receiving my money soon, I also received an email right after that indicating that the money was sent and should be in my account within a day or two. This was FridayXX/XX/XXXX.
By Tuesday XX/XX/XXXXI still had n't received the money and when I logged into my account there was no indication I had ever even applied for a loan, so I called their number to talk to someone to figure out what was going on since I was planning on having that money and it had n't shown up ... The phone call with the customer rep lasted about 30 seconds after which I was told there was no loan that was approved, they did n't know why I would have gotten that e-mail indicating funds were sent, and then she hung up on me. After looking into the company more I see this is a common occurring theme with them, they approve your loan ( while running your credit, collecting sensitive information, etc. ) and then completely ignore you when you follow up on it. At this point my checking account is now negative because I received confirmation that the loan funds were sent and they never showed. I would advise everyone to stay away from this company because you 'll only make your situation worse. To take advantage of people who are already facing financial hardship is appalling. I 'm also worried they will still take out the loan repayment now, because it seems like how they make their money is preying on people who ca n't afford to fight back. Attached are copies of the confirmation I was being sent funds and that it was finalized ( it literally says " they 're on the way '' ), the overdrafts in my checking account from bills scheduled I was planning on being able to pay ( and there will probably be more, because of them ), and the view of my account when I sign in showing absolutely nothing other than an " APPLY FOR A LOAN '' button.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: TX

Complaint narrative:
Using the annual credit report website, I attempted to obtain my report from Experian and XXXX. XXXX was successful, but when I got to the other two, they asked 4 questions to verify my identity. None of the questions applied to me at all and I answered them " none of the above ''. They then said they ca n't verify my identity and I ca n't get my report. This has happened twice in a row with both of these companies. None of the identifying questions apply, yet they say they ca n't verify my identity and I must mail in a bunch of stuff. If XXXX can ask me correct questions, so can they. I 've spoken to many people who have had the same problem. It asks about a car loan and how much my payment is, a credit card I allegedly have, and a mortgage. I have NONE of the above, yet it asks me those things, then shuts me down. I feel they do this on purpose in order to get around giving the free credit report online. It 's an ongoing issue and I 'd like my credit report from these agencies without the hassle of having to answer questions that do not apply to me.

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 2017-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are 2 account being reported inaccurate on my credit report the first is and old XXXX account that was a fraud case. I have sent information to Experian repeatedly about this account but they refuse to delete account even though I have repeated documentation showing that I was a victim of fraud. The account in question was settled with XXXX and suppose to be removed. The account was remove from the other 2 CRA 's after submitting documents but Experian reuses, even after filing a prior dispute with CFPB the lied and said account no longer appears on credit report. That was a complete lie and false statement to me and CFPB the account still appears and in fact the made it worst by stating account not paid. Which is false statement. The account was paid and settled. In 2014 during a purchase of a home the loan officer ask for my documents in response to that account. He submitted them and account was changed to paid/written off, but the account was suppose to be removed per letter from XXXX for forgiveness. Documentation has been attached to prove case. There also is a medical collection account that was paid by workers comp XXXX XXXX I sustain at work. I am not liable for this since account was workers comp and paid by workers comp. I have attached 2 statements one a bill showing bill paid and another showing insurance paid because workers comp reimbursed insurance payments. Somehow this keeps coming back as verified even though I have repeated asked for Experian to show me documentation that the investigated and who verified 2 inaccurate accounts. I have still to date not received that information from Experian and they refuse to remove inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
coinbase are asking for a sms code but my phone is not receiving a code since they updated my number but the wrong number was updated so i want it to be reupdate to the System as XXXX im only XXXX that 's why my account was shut down i want to acsess my fund to another adress please update the number i want to acsess to my bitcoins i left and they are not responding or helping in any way

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I have spoken with support online with Best Buy Credit Card services and over the phone to try and negotiate a lower interest rate as mine is 26 %. They have refused to help me in any way. I always make my payments on time and I have been a member of their credit card company for at least 6 years. I feel I deserve a change to have my interest rate lowered. I do n't feel valued at all.

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 2017-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I received a bonus offer from Bank of America to open an account and they would give {$300.00} bonus if {$4000.00} was paid in dd 's over a 90 day period. I opened the account online using the bonus code from their correspondence and I followed the terms needed to receive the bonus. I called Bank of America and they said I was n't signed up for the bonus. When I joined bank of America a message came on the screen saying eligible for the bonus ... during the steps of opening the account. The only reason for opening an account with this bank was for the offer they gave me. I made a complaint to BOA but have n't received a call and nothing has been done to honor this 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 explanation
Consumer complaint received 2017-08-23 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: VA

Complaint narrative:
On XX/XX/XXXX, I filed a dispute with TransUnion regarding a federal tax lien being reported. Their system would not allow me to upload documentation, so I had to mail it in, which I also did on XX/XX/XXXX. OnXX/XX/XXXX at XXXX XXXX, I called TransUnion and spoke to XXXX informing him that I could n't upload my documentation, that I mailed it, and I requested that it be noted in my file so that a decision would not be made until they receive the documentation. Today,XX/XX/XXXX, I received the results of the investigation, which was " updated. '' I called TransUnion this evening only to speak to a young lady in which it was very difficult to understand what she was saying. She kept telling me that it was updated and correct. So the end result was that TransUnion made a decision on my dispute without my documentation. According to the XXXX XXXX XXXX XXXX ( XXXX ) rule of XX/XX/XXXX, " the CRA will remove any public record, judgements, and liens that do not have all the required information. '' My Notice of Tax Lien, dated XX/XX/XXXX from XXXX XXXX County Circuit Court.  displays a redacted Social Security Number and " no '' date of birth. Based on XXXX rules, I am disputing the federal tax lien that is reporting on my TransUnion report and request it be deleted accordingly.

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 2017-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
I answered a phone call after being called 9 times in a 24 hour period. It belonged to sunrise credit services, stating they are collecting a debt on behalf of XXXX XXXX XXXX. I told them that they have violated FDCPA guidelines. They said they have only called us once. My phone records show otherwise. They also called from different numbers.

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 2017-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC
State: LA

Complaint narrative:
XX/XX/XXXX, Loan # XXXX, Case # XXXX, CFPB Case # XXXX Property Adress : XXXX XXXX XXXX XXXX, XXXX. XXXX Dear XXXX XXXX, Thank you for responding to my concerns. According to the account information I received from attorney XXXX XXXX, dated XX/XX/XXXX, it states within the foreclosure document my note was in default XX/XX/XXXX and a notice was mail. Furthermore, in order for XXXX XXXX XXXX to mail me out such an notice of default I wouldve have to miss two monthly mortgage payments to be considered in default of the note. Please note my first date of delinquency should be XX/XX/XXXX. When four miss mortgage payments occurred is when any foreclosure proceedings can start on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I 've had an absurdly high interest rate of 24 percent on my 2 cards from this company. The only offer I 've received is for 19.9 percent variable apr for a 7 month period. I have not missed a payment on any payments on my overall credit for 3 years! My credit score is bordering on good at XXXX. I would love to pay more than the minimum payment each month but this outrageously high and unjust apr is making decreasing my balance a unfair challenge. Please assist me in this matter. Thank you kindly

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XXXX/XXXX/XXXX I bought a small 3 drawer chest from XXXX XXXX - as part of a promotion - they offered me an additional 20 % of the purchase price if I opened a credit card account with them. I had no idea that the credit card was with Comenity Bank - if I had known, I would n't have bothered. Anyway - the item was not in the store - so I had it delivered to the house. Upon delivery, I went online, printed off a payment coupon and mailed XXXX XXXX/Comenity Bank a check in the amount of {$270.00} ... this was done on XXXX XXXX and the check cleared on XXXX XXXX, XXXX. The account number was written on the check ; the check was written to XXXX XXXX - and, Comenity Bank applied the payment to my mother 's account - which has no balance and the account numbers are not even vaguely similar. I tried talking to these people ( XXXX/XXXX/XXXX - XXXX @ Comenity ) and she advised to mail my proof to Comenity Bank in Ohio. I mailed the info to Comenity - certified mail - and then another invoice came thru advising I owed even more money - some sort of late fee. I called Comenity on XXXX/XXXX/XXXX - they passed me around until I landed with someone called XXXX '. At first - he tried to tell me that Comenity had not received my info ... I advised that the certified tracking number XXXX indicated that Comenity received this info on XXXX/XXXX/XXXX ... he then said " Aha! Yes! It had been received '' and then proceeded to tell me that someone would get back with me and straighten this all out ... in the meantime ... I got ANOTHER late notice adding MORE late fees. If I do n't get this cleared up - I 'll end up owing them {>= $1,000,000} for a {$240.00} dresser. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I received a letter from the law firm of XXXX and XXXX in XXXX Texas stating that my mortgage with Nationstar Mortgage was past due and near foreclosure. This information was not accurate and immediately faxed a request for them to validate the debt information as per my rights under FCRA and FDCPA. The fax was sent on XXXX/XXXX/XXXX ( fax confirmation attached ) and I have yet to hear a response from the company. They continue to report the mortgage as past due and in foreclosure despite the account being paid in full in XXXX. I was recently denied a car loan because of their false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Oliver Adjustment Co.
State: MI

Complaint narrative:
I received an alert on XXXX XXXX that I had a collection account on my XXXX, XXXX, and XXXX credit report. The company is called OAC and the amount is {$170.00}. I have never heard of this company and have not received any notices in the mail pertaining to this debt. I was not given the option to dispute the validity of this debt before it was placed on my credit report. I demand this account be removed immediately from my credit report. At least let me have the opportunity to dispute this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ROC Asset Solutions, LLC
State: CA

Complaint narrative:
I ( and my family ) received several phone calls from a company called API stating theh were hired by XXXX  and that they are going to sue me for over {$13000.00}. However, I contacted LoanMe said they sold my account to a third party collection agency ( that agency is not API ) and the amount sold was {$4000.00}. A woman named XXXX first contacted me ( and my family members ) on XXXX and she proceeded to tell my family members that I had a legal matter that could effect me financially for up to 10 years. I called her on XXXX ( details are explained in a complaint I filled last week ). Yesterday she called me again stating I was going to be sued and then today she called me again threatening to call my employer. She also called my family members today as well, calling one two times in a row, leaving the same message as before ( that I had severe legal matters that need to be taken care of ... so on ). I have not once received any written notification that they now own this debt, not have I received any written letters that would allow me to properly validate this debt. She stated they were hired by XXXX, which I have verified with XXXX is false information. At this point I would consider this harassment of not only me, but my family as well. This is also a violation of FDCPA policies, by calling me ( and my relatives ) and  threatening me before ever sending any written notification of them owing the debts and of my rights for validation and by stating that they were hired by XXXX to fulfill their legal acctions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG HOLDINGS INC
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX, I purchased an XXXX washer appliance from XXXX XXXX store, XXXX, California. The customer service representative who served me stated I could pay a portion of the purchase price in store and the remaining balance on an installment plan with a XXXX approved outside financing agency. I agreed to said promotion and paid {$260.00} in store with the agreement I would then be charged 5 additional payments of {$44.00} per month for the remaining balance, with the total amount paid equaling {$480.00}. The 5 monthly payments were paid in full. However, the month succeeding the 5th payment XXXX XXXX XXXX, I was charged a sixth payment of {$44.00}. Upon contacting the leasing company ( WhynotleaseitXXXX ), I was informed my lease was not a lease to own and that if I wished to purchase my appliance, I would need to pay the residual balance of {$140.00} in addition to the next installment payment of {$44.00}. This would bring the total paid to {$710.00} for the appliance with a cash price of {$480.00}. In addition, I was informed I could continue to pay the lease fee for an additional 12 months, after which time, I would need to return the item to the creditor. In total, I will have paid the company 147.16 % of the retail purchase price of the appliance. I believe this company is engaging in deceptive practices by not explicitly disclosing that you are agreeing to a lease without ownership at the point of purchase. Furthermore, the company does not inform you of the option to purchase your item at the end of the 5 payment period, instead opting to continue automatically charging your payment account without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP
State: KY

Complaint narrative:
My XXXX who is a XXXX XXXX was taken advantage of by The American Advisors Group. His living room floor sunk on 1 side and he asked for a reverse mortgage. They promised money to pay for all of his debts. The floor was never fixed. the company sent a work crew out to fix carport and paint storage building and he did not want these things done. the money for these repairs was taken out of the {$22000.00} promised. XXXX received roughly XXXX dollars. Now he had to make insurance payment and they are large like a loan payment. The loan has jumped up to {$22000.00} most of this is interest. How is he suppose to pay this? Then there is the matter of his eventual death, they promised that I the XXXX child would have the house which sits on XXXX areas of land. I am afraid They will still the house from me. Like they did in the XXXX XXXX XXXX court case which they lost and it is so close to our complaints. I need this matter resolved and I strongly advisor others to be very cautious about this company and there outrageous claims, lies and theft

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