vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I signed up for an XXXX XXXX credit card on XX/XX/2019. I signed up prior to booking a flight that day after noticing an ad that offers {$250.00} off for flights purchases along with interest free payments within first 6 months. The card is managed or financed by Citigroup retailing services. After getting approved for the card, I purchased the flight that same day using the newly card for {$900.00}. About a month later, I noticed that the {$250.00} credit did not apply ; I called customer service, and I was told to wait a little longer since it had not been long enough. I called again on XX/XX/XXXX to inquire about the {$250.00} credit. To my surprise the customer service rep told me that the {$250.00} would not be applied to my card since I applied to the " fly now '' program and not another program. When I noticed the ad on XXXX XXXX, I simply clicked it, followed the prompt to sign up for the credit card and got approved almost immediately ( the whole process took about XXXX ). It did not specify a difference between a " fly now '' or a different program to receive that {$250.00} credit. Even the customer service rep I talked to agreed that it was malpractice and a misleading ad. She agreed to file a complaint for my case since that's all she could do on her end. Until almost 2 months after getting the card, I found out that I would not be receiving that credit. 

I wish to file a complaint against XXXX XXXX and/or Citi credit card for posting this misleading ad, or simply as I see it false advertising.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-06 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: ERC
State: IL

Complaint narrative:
Enhanced Recovery Company collection for XXXX XXXX XXXX in the amount of {$100.00}. This account is years old. It was settled. It popped up on my credit report sometime after it was paid. I disputed it when I become aware of it and sent paperwork to confirm to XXXX. It was removed from my credit report for a period of time. I became aware that it was added back again when applying for credit and being denied. I again disputed and asked for dates, and payment history, which I never received. I have not received notice directly from Enhanced Recovery Company, it only keeps popping up on and off on my credit. It shows on my credit as if it was placed in collections on XX/XX/2018, even though I haven't had XXXX XXXX in more than 3 years, it was initially disputed prior to XX/XX/2018 and readded. The only other explanation is someone else fraudulently used my name because I have not had XXXX in years for any services. I have now been denied credit twice before of this false reporting. It is harassment. I have 24 credit accounts in excellent standing with credits of up to {$20000.00}. This one false negative reporting for {$100.00} has stopped me from getting credit. Enhanced Recovery Company placing this on my credit report without sending me notifications through mail, without providing an account history, it being removed more than once after being disputed to only show up again is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Original debtor was XXXX XXXX XXXX XXXX The last payment I was able to make to XXXX XXXX XXXX was of {$50.00} on XX/XX/XXXX. Before the my ex-husband and I became XXXX and lost our house to foreclosure during the economy crisis of XXXX!!! 
On XX/XX/XXXX Summons/Notice to appear for pretrial conference was served. 
On XX/XX/XXXX, Asset Acceptance , LLC filed a judgement for {$4800.00} On XX/XX/XXXX the above judgement was " Deleted '' from my credit report. 
On Friday XX/XX/XXXX ( 10 years from my last payment to XXXX XXXX XXXX XXXX ). I received an " Unofficial '' ( Continuing writ of garnishment against salary or wages from Asset Acceptance , LLC. ) for the amount of {$5200.00} On Friday XX/XX/XXXX I received a letter from my employer because " Asset Acceptance , LLC served them without my authorization. My employer provided a letter to me saying that {$320.00} will be withheld beginning XX/XX/XXXX per pay period which is bi-weekly. I am a head of household with XXXX minor children who are my responsibility to support. The amount the debt collection agency wants to collect from my paychecks is absurd and at no given time have I acknowledged anything with them. Plus 10 years have passed since I last made a payment to XXXX XXXX XXXX. and 6 years have passed since Asset Acceptance , LLC filed the judgement that has been removed from my credit since XX/XX/XXXX. I also currently have a XXXX plus debt in student loans that I am responsible for to whom I only pay {$100.00} a month because of my household size and income. Thank you for your time and understanding. What Asset Acceptance , LLC wants to do will cause great hardship to my family of XXXX. Since I am the head of household and only adult in the home. Plus this violates the statute of limitations in the state of Florida which is 5 years. All of the above is XXXX years old and older.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: CO

Complaint narrative:
My account with Capital One was opened on XX/XX/XXXX. This included a promotional APR of 0 % for what I thought was a minimum of 12 months ( possibly longer ). I received my first statement for XXXX with a due date of XX/XX/XXXX. Starting with that statement, no interest was charged. I had not been charged interest up until this month 's statement dated XXXX with a due date of XX/XX/XXXX, interest charge of {$57.00}. 

I looked at my account information online and could not locate information regarding the terms of the promotional APR. I called Capital One 's customer service today, XX/XX/XXXX at XXXX XXXX to ask if the interest was charged in error. They could not verfiy if the interest was charged in error, because they also were unable to find information regarding my promotional APR. I reviewed my credit card agreement online, but it does not include any information regarding the promotional APR. 

If Capital One can not provide me with information regarding the promotional APR, there is no way for me to verify if I'm paying interest in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ERC
State: FL

Complaint narrative:
On XX/XX/2019 @ XXXX XXXX I received a call from ERC in XXXX Florida. They asked for my personal information without stating the name of their company or the fact that they were a collection agency. They asked for information without even stating the name of their company. Also they threatened me and harrassed me on the phone telling me they were going to file a lawsuit against me and their team of lawyers would take action against me before even telling me what the debt or call was even regarding. This company should be shut down due to their illegal collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
I contend that real time resolutions ( rtr ) illegally recorded an assignment of mortgage beyond the Florida statute of limitations. On XX/XX/XXXX, I received a transfer notice of this alleged debt from XXXX   XXXX XXXX. By their own admission, rtr recorded the assignment with the Clerk of the Circuit Court of XXXX XXXX XXXX on XX/XX/XXXX. After a consultation, it's determined that this action IS beyond the five year statute of limitations in the State of Florida. This includes both promissory notes and written contracts, as well as open-ended accounts. Therefore, I request that rtr vacate the lien and release both the lien and me from another further harassment. They never bothered to report any of this with any of the credit bureaus. The fact that the alleged debt never showed on any of my credit reports does make me suspicious. Their, rtr, latest statement indicates this account originated from XXXX XXXX XXXX. XXXX may have been the company, a few times removed, prior to XXXX XXXX XXXX. I request that rtr release the lien an me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Got a Call from Portfolio Recovery Services about a debt no longer owed the original creditor written it off years ago I texted them that the Statute Of Limitations for Consumer Debt in Tennessee is 6 Years and I know they ain't nothing but bottom feeding junk debt buyers that buys old debt for pennies to a dollar and asked them to cease and desist calling and cease and desist sending further letters and the money they scam out of people don't go to the original debt owed but instead into their own pockets and that they pose as fake debt collectors and have very shady business practices told them also any further phone calls will be reported to the FTC for harassment also told them they're violating the Fair Debt Collection Practices Act by calling multiple times a day because that's what they do is harass people calling them all day til people loses their sanity and I've read consumer reviews about their shady practices how they call harass people all day because they along with other bottom feeders count on the consumers ignorance of their rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I am writing to dispute a report made by TD Auto Finance to the creditors regarding a late payment on my account made on XX/XX/19. This was a result of a technical issue on their website with the setup of autopay which Im still attempting to get resolved with TD Auto Finance customer service. 

I've encountered what appears to be a technical issue on their website while when applying a payment, the payment is applied to the Principle only and not my monthly payments. This resulted in a late payment being applied to my account for {$5.00} on XX/XX/19 which was reported to all credit agencies essentially lowering my score some XXXX points. 
From XXXX -> XXXX ( XXXX/XXXX  ). 

I've tried several times to resolve with TD Auto Finance yet they still only apply my payment to the principle and not my monthly payment. I'm then forced to call customer service and then have then manually reverse and reapply to my monthly. 

At the time of the reported late incident I had both the funds in my account and every intention to pay to avoid incidents such as this. As this was the results of some technical issue with the site, I'd like to submit this complaint. 

Thank you for reading. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
Weve been swindled by builders and lenders before, basically lying to get our personal information. XXXX   XXXX took our deposit in 2007 and sold the house to another buyer, no explanation. I had to demand my money back. Now we are trying to just buy a small condo in Florida. My husband is a XXXX contractor making $ XXXX a year. Quicken loans gave us a bad time, and asked for the password to our bank account, then accessed the camera on our XXXX, and was secretly video recording us without our knowledge. We caught them red handed when the agent asked who he was speaking to. I told him he was speaking to my husband, and he said no Im speaking to you. He was watching me. Im sick of the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I had a credit card payment to bank of america visa was applied three times, which was twice more than necessary. Three times the withdraw precipitated overdraft fees on my other bank account from which the payment was withdrawn. 

On XX/XX/2019 I manually paid a credit card bill of {$11.00}, which was due on XX/XX/2019. This was the total balance outstanding. On XX/XX/XXXX, another {$11.00} payment was automatically withdraw due to my auto-bill pay settings, but this should not have happened because on XX/XX/XXXX I had already paid. Then on XX/XX/2019 another {$11.00} was withdrawn automatically, precipitating more overdraft fees from XXXX XXXX. These two extra payments totally {$23.00} should not have happened and cost me {$36.00} in overdraft fees from my other Bank. 
I called Bank of America credit card services to complain and they said they would refund the extra {$23.00}, but it would take 5-8 business days. They said they would not refund my overdraft fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-06 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: TN

Complaint narrative:
I submitted the court documents that show the case from XXXX XXXX was dismissed for improper billing practices ... .and still shows on my credit report ... .I sent the same info to XXXX   and XXXX and they removed the error ... .Equifax refuses to remove for some reason

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I noticed on my credit report there was a new derogatory mark added to collections from Phoenix Financial Servic. Phoenix Financial Servic has not contacted me in anyway to inform me about this debt that is owed. This debt was reported on XX/XX/2019, and was opened XX/XX/2019. The amount due to this collection agency is {$1400.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: MS

Complaint narrative:
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: PR

Complaint narrative:
In XX/XX/2019 I summitted a dispute to Equifax because in my credit report appear an account with XXXX   XXXX. They express me that they dont have record with my security number with a negative account and for this reason they cant removed this. 

At day to date Equifax dont respond to this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
In XX/XX/2019 I summitted a dispute to Transunion because in my credit report appear a credit inquiry from XXXX. XXXX express me that they dont have record with my security number for a credit inquiry and foe this reason they cant removed this. 

At day to dateTransunion dont respond to this dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: MD

Complaint narrative:
I received credit report alert on XX/XX/2019 that Capital Accounts LLC put collection notice of {$190.00} ob behalf of XXXX XXXX XXXX to my credit report in three credit bureau. 

After I obtained Capital Account LLC contact info from XXXX  on XX/XX/2019, I contacted it for the reason why they never contacted me about debt collection before they put it on my credit report. They responded that they did send a letter on XX/XX/2019 to my current address. But I never received it. I asked them to send a copy of that letter to my email. They then sent to my email with a bill amount and doctor office name on XX/XX/2019 but this bill is not the original letter they claimed. The odd thing is that this bill shows that Capital Account LCC is not a debt collector ( see attached files ). 

I asked them why they did not send me the copy of their original letter dated on XX/XX/2019. They refused to answer. I asked them if the amount they collected was substantiated. They did not answer. I asked them to provide me with their license/permit number as debt collector in my state, they did not answer. 

In fact, I paid all my bills to the XXXX XXXX XXXX and my insurance paid their portions too. My insurance said that I overpaid XXXX XXXX XXXX already. The doctor never sent me the unpaid bill for collection too. 

My concern is that if any company can pretend as a debt collector and put any bad things on people 's credit report without justification/substantiation, this will disturb peace and ruin people ' life. 

Therefore, I am complaining Capital Accounts LLC to CFPB for investigation. 

Thank you very much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I submitted a notarized dispute with my social security card and Drivers license ( original color copies ) to Transunion. I certified mailed my dispute that Transunion received on XX/XX/19. Transunion failed to respond to my dispute within 30 days and did not respond. I sent Transunion a second dispute letter certified mailed that they received on XX/XX/19. Transunion has had more than 60 days and continue to report unverified items on my credit report. I have attached photo copies of my records. Original color copies were mailed to Transunion. 

Note : Part of my SS # has been hidden in the attachment for security purposes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
On XX/XX/2019 I suspected that unauthorized trades for bitcoin purchases were made from my bank account. I immediately called coinbase and they locked my account so that they would invistigate. they said it would typically take 10 days. I was able to speak to a person after two weeks. they sent me an email stating my case was escalated but because on the surging bitcoin value they were busy. It has now been over 5 weeks and coinbase will not unlock my account until the investigator handles it. customer support cant unlock my account and now I cant even speak to a human any time I call, coinbase just automatically hangs up on me. This company has about a thousand dollars of mine held hostage for 5 weeks and I am growing impatient and frustrated.

Company response to consumer: Closed with explanation