vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I request explanation of the personal information record Experian credit bureau had and the reason why they are selling my personal information without my consent to companies ( XXXX XXXX ) that solicit their services to me attacking me over and over with their letters. 

This information was sold to company outside financial sector. 

The XXXX XXXX refused to take my name from their list of Cremation Prearrangements excusing themselves that next time Experian credit bureau sells them the information about the people with the certain age my name might be there again and XXXX XXXX is NOT going monitor these lists.

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 2018-05-14 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 have not received a reply from Equifax as of today XX/XX/XXXX per my complaint filed with cfpb on XX/XX/XXXX. Also upon further personal investigation I have learned directl from XXXX XXXX that Ive been opted out of there system since XX/XX/XXXX. FULL OPT OUT. Meaning no one gets my information not even telemarketers. Therefore how was Equifax able to get any information on me from XXXX and per Equifax reporting date it says XX/XX/XXXX. Also why will Equifax not provide me with detailed verification information as to who they spoke with at XXXX, the method of verification, the day any time of the verification so that I may be able to check behind them myself without having to file suit against them being that this is my 4th request for this information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC.
State: NY

Complaint narrative:
XX/XX/XXXX - opened account XX/XX/XXXX - received email confirming digital banking enrollment XX/XX/XXXX - received email ( included ) confirming promotion enrollment XX/XX/XXXX - received phone call from Suntrust to review account and verbally confirmed eligibility for promotion on phone with banker XX/XX/XXXX - received voicemail from XXXX XXXX ( XXXX ) as part of a three week follow-up XX/XX/XXXX - escalated issue to XXXX at SunTrust about missing promotion XX/XX/XXXX - XXXX followed up stating I was ineligible for promotion due to having opened account on phone XX/XX/XXXX - followed up with XXXX with information to contrary showing I didn't have any outgoing phone calls to SunTrust, instead had incoming call from SunTrust XX/XX/XXXX - followed up with XXXX, he was escalating internally XX/XX/XXXX - followed up with XXXX, no reponse XX/XX/XXXX - followed up with XXXX ; received response later in day that not eligible due to state of residence XX/XX/XXXX - sent letter to Office of President at SunTrust ; never received a response SunTrust has deceived me with promotional terms to open an account, deposit funds for a duration and perform certain transactions, then never fulfilled promotion and then change terms to avoid payment, as is evidence by the initial denial for bogus reason, then denying with a new reason. The included email proves I was eligible, as they had my information for 3 days before emailing me on XX/XX/XXXX for confirmation of promotion. If ineligible, then should have been notified then, not misled for SunTrust 's benefit. Suntrust 's failure to state ineligibility based upon state of residence while confirming enrollment is implicit acknowledgement of eligibility based upon all initial terms of promotion, except transactions which would have to be performed thereafter, and were all performed as required.

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 2018-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BB&T CORPORATION
State: MD

Complaint narrative:
It has come to my attention that BB $ T Bank has provided information to XXXX XXXX XXXX as well as XXXX, I have no kmowledge of this information from the bank.

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 2018-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: OR

Complaint narrative:
Credence Resource Management has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
my citibank debit bank card ( linked to my checking account at that bank ) was stolen while i was on vacation in XXXX, when i realized my card was missing i went online to check my account, there was {$4800.00} in unauthorized charges debited from my account, the charges were as follows ... at XXXX, 1 transaction the amount of 4,000.00. 2 atm withdrawals 1 for {$300.00} the other for {$280.00} and one more transaction for {$200.00} done at some place called cgn. i immediately called my bank to report the unauthorized charges. next i went to the police station and filed a police report for the stolen card and unauthorized charges. the charges all took place in XXXX XXXX california, but my card was stolen while i was in XXXX which is only 30 miles from the XXXX XXXX XXXX border. the bank because the transactions took place in the united states the XXXX police could only include the actual theft of the card in the report because the card was stolen while i was in XXXX. citibank denied my claim stating their reaso as being that the charges were consistent with my normal banking habits. not true as i had just recently opened the account where i deposited {$5000.00} cash, and paid a phone bill via online billpay. there were no other transactions done by me with this account. in citibanks denial letter they state that they dont use video from atm machines or other places to conduct their investigations. thats like a homicide detective saying they dont use DNA while investigating homicides!. so i appealed that decision. only to be denied again. their reason was the same as before. they also froze my account right after i appealed the first decision.

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 2018-05-14 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: VA

Complaint narrative:
Despite three written requests to Equifax, the unverified items listed below still remain on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, Equifax stated in writing that they verified that these items are being reported correctly? Who verified these accounts? Equifax has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore Equifax has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Started with buying a car ... turned my lease into a dealership. we called GM financial to get pay off you that information to the dealership! the dealer paid in full {$30000.00} except for {$400.00}???? GM contacted me and I explained the situation that I did not own the car anymore and that the dealership took possession of it MONTHS AGO .... THEN we had a 3 way phone call with the dealership and after arguing a few times they sent in the balance of {$400.00} .... but it took a few months and during this time I was totally in compliance and talking to GM with the situation! GM KNEW. I AND GM HAS DOCUMATION that is was out of my control and they ( GM ) still disregarded and reported my credit bad!!! now GM financial wants me to get a letter from dealership saying that they ( DEALERSHIP ) was at fault and GM will TRY take care of it.. I told GM they knew the whole situation why did they report my credit BAD?????????? they stated it was still always on me. and STILL TRYING TO GET ME TO TALK TO THE DEALER????? What are they ( DEALERSHIP ) going to do with the CREDIT REPAIR????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2018 Chase Bank indicated i made an inquiry regarding one of their cards which is false. I dont have any Chase accounts nor credit cards. I tried resolving issue over the phone and was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I took out credit in 2016. My dog was at emergency XXXX. I have been paying faithfully and then some. I noticed my bill jumped up almost {$500.00}. I have not used the card in months. When I called the company Care Credit, I was told by a lady that is the interest charged for the 18 months. I only still owed {$500.00} out of {$3000.00} ... ..come on {$500.00} interest ... ARE YOU KIDDING ME???? So I closed the account, will pay off remainder of debt. I have never heard of this scam before. I hope you can help me. This is robbery in the finest form.

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 2018-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Credit Bureau, Inc.
State: GA

Complaint narrative:
I contacted merchant CB XXXX XX/XX/2018 spoke with a representative and I gave her my name only to find out they don't have any account for me just my twin brother so she continued to place me on hold asking for more personal information I did not feel comfortable after giving her personal information twice to give more info after I was put on hold everytime I gave her info

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX took a refund from my checking accnt instead of my XXXX account and caused me to overdraft and Capital One said to me they only allow 1 OD waiver every YEAR. 

I have been with the bank for years, and one waiver a year, really? Especially if it's not your fault! I have taken countless OD fees, that were my mistake! 

The OD was on XX/XX/18 for {$35.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: CT

Complaint narrative:
Approximately 8 years ago I signed up for XXXX services at an indirect store which I later found out is not a corporate store. I had XXXX until last year when all of a sudden I found out that all these years this account was under someone else social security number and that they have added phones to my account. I contacted XXXX right away and they told me that they would get back to by email several times and that never happened. Then I see I received my first debt collector which was very rude and did not know what was going on with my account. I tried to explain to them that they are going after the wrong person and that my social security number is not matching with the one you have. They filled the claim to collections and I saw that in my XXXX report. I reported immediately and they were able to remove the claim to collections verifying that it was the incorrect social security number. For 8 years I been using this account to build my credit and got nothing out of it but this fraud case. So after that first debt collector I contacted the XXXX XXXX XXXX complaint # XXXX and a member of the XXXX Customer Service team got in contact with me. They apologized for what happened and then asked me for my social security number to look into what happened and credit me for the mistake. Instead I found out that they used it to file another claim now with AFNI to come after me for this debt of {$2100.00}. There was also another debt collector before them and I asked for the original copy of the contract to show that this is not my account legally. AFNI collections has called me once and said that they will send me a packet with a copy of the original form instead on XX/XX/2018 I received another bill from the collection company. I would really like help in solving this matter, I spent countless time with many phone calls and nothing seems to work. Please be aware that XXXX has many cases like mine and has not done anything to protect its customers information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OR

Complaint narrative:
Nissan Motor Acceptance has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have called spoke with multiple reps asked them to correct my personal information. I have requested the address XXXX XXXX XXXX XXXX, Mo XXXX removed from my credit report multiple times. Have been told it was removed to find out it is still on my credit report. This is not my address and I have never lived here. I am requesting this address removed immediately.

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 2018-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OR

Complaint narrative:
One Main has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have recently contacted XXXX XXXX regarding some late payments that I do not think is right. I was making all my monthly payments on time for the 12 month period and the creditor still reported me as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
My payment is due on the XXXX of every month to Nissan Finance. On XXXX, XX/XX/XXXX, their system told me that I owed not the {$450.00} monthly payment, but twice that - {$900.00}. They claim that because the XXXX was a Sunday and because they do not process on the weekends and because I had not paid by the preceding Friday, their system told me that the current payment - due XX/XX/XXXX - was late and then included the payment for NEXT month and so it claimed I owed {$900.00}. Again, this was on XX/XX/XXXX for a {$450.00} payment due XX/XX/XXXX and it was doubling what I owed to {$900.00}. So in the " Amount Due '' they were including a payment not due until XX/XX/XXXX. None of this is hard and I actually have a 10 day grace period on each payment, so they should not be acting like my next payment - due in 30 days - is part of the amount I currently owe. In fact, I believe it may be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I signed up for the Delta Skymiles rewards card through American Express. They advertised XXXX bonus points for spending {$2000.00} in the first three months, plus an additional XXXX bonus points for spending an additional {$1000.00} in the first 6 months. I met these requirements within the first month of opening the account. The points were never deposited into my Delta Skymiles account. 

I opened my first chat message through their Amex app on XX/XX/XXXX asking about the bonus miles. I was told on XXXX that it would be credited to my account 6 - 8 weeks after meeting the requirements. 
Then on XX/XX/XXXX I messaged support again to get a status on my promised rewards. I was told they were going to open an inquiry for me and that I should check back after 2 to 3 weeks for the status. 
On XX/XX/XXXX I messaged again for an update. I was then told I need to wait 6 to 8 weeks for the investigation to complete and have the points deposited into my account. At that point I asked to be escalated to a supervisor who could see that I certainly did meet the requirements for the card. But was also told that sue to the immense response to the offer, there has been a delay awarding the rewards points and they need to research all submissions. I told them their shady business practice was unacceptable and I needed a date to expect the rewards. I was not given one as they can not fix it on her level. 
I followed up several times in XXXX through chat and was told the MAXIMUM time frame for the investigation is 2 billing cycles and I only escalated my case towards the end of XXXX. 
Today I called them and spoke to a supervisor who told me they are having an issue with a " handful of accounts '' ( I have seen that this is the term Amex uses a lot with other people that have raised concerns like this_, and they do not have a date they can tell me when I can expect a resolution. 
I am at almost 9 months with this card and no resolution or even a feeling that this will be resolved. This is an unfair business practice and this company needs to be exposed for what it is doing to consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Caliber Home Loans sent me the attached letter dated XX/XX/XXXX proving that they violated the FDCPA by sending out signed Notices of Trustee Sales and posting them on my property without any individual taking responsibility for trespassing on my property. It is clear evidence that a company called XXXX XXXX allegedly signed a CERIFICATE OF POSTING without a real human being signing it violating the FDCPA. Also, in their extensive letter Caliber fails to address how I had a balance of {$920.00} plus {$1100.00} and paid them {$4900.00} in taxes, as shown on my XXXX XXXX IRS Form if as they alleged in the Chapter XXXX BK I filed I did make the payments as agreed during XXXX? Also they violated Federal BK Laws by not applying my post petition payments correctly and charging my at least {$410.00} in late charges and other fees of {$350.00}. I would like an Accounting done on all regular payments made during my BK in XXXX asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I singed up for a Navy Federal XXXX XXXX XXXX. The promotion was for XXXX rewards points if I spent {$3000.00} in 90 days. I completed my portion of the agreement and continued to contact them about the reward. Finally on XX/XX/2018 I was told that I would receive the reward as the promo code was for 0 APR. I told them that they switched my code and I would never carry a balance and would not need 0 APR. 
I was on the Navy Federal website when I did this and the promotion is still on the website. There wasn't any promo that I clicked on for 0 APR. 
They switched my code and refuse to honor the promotion is signed up for, XXXX reward points.

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