vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-07 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I had an issue with a company ( BEST BUY/CBNA ) not taking payments and then charging late fees. I called and asked for an online log in and they said they could not do that then I asked to make a payment over the phone and they said their system was down. I called back the next week or so and the company said that the promotional financing expiration date expired and that there was an added aprox~ {$200.00} to the account. I explained the situation then they said they would remove the interest. They then took my payment and told me the account would be at a zero balance. A few days later I go to check my credit and notice that there is still {$210.00} unpaid ( the amount that BEST BUY/CBNA had agreed to remove ). I went to dispute the charge and it came back that it was a valid charge. I called XXXX to talk about this and I got a hold of someone and they asked for my ssn. They had an accent and was curious where they where located as I just gave them my ssn. So I asked and was told the united states. I asked which state and they started to get defensive and told me the united states and that they where not allowed to tell me which state. I then asked if I could speak with a manager I got transferred to a line that said " welcome to XXXX  disputes center we are currently closed ''. Are my calls to XXXX  being routed to another country where there are no laws for prosecuting someone properly for identity theft. Another concern is that BEST BUY/CBNA is making it more difficult than necessary for me to make payments so that they can collect late fees to increase profit.  Thank you for any help you can offer!

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 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
My daughter booked a hotel for XXXX XXXX in XXXX XXXX on XXXX XXXX, XXXX. When my credit card statement arrived I had a charge for {$2200.00} to XXXX XXXX XXXX XXXX. I had no idea that was the charge for XXXX so I had a different daughter help me put that charge in dispute with Citibank. Later that day I realized that it was a legitimate charge and contacted Citi Card to  take the charge out of dispute, so they charged me back for the {$2200.00}. On XX/XX/XXXX when we arrived at the hotel, we were told we had no reservation, that the room had been canceled by XXXX when we put the card in dispute. My daughter, XXXX, who has been trying to help me get the money credited back to my account has made many calls to Citi and hasn't been able to get a straight answer on how to get the money credited back. She contacted them originally on XX/XX/XXXX and made many calls since, but because of the covid virus, now can not get through to anyone.

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 2020-05-07 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: VA

Complaint narrative:
This is a follow up from my earlier complaint, # XXXX, against Transunion. 
Transunion has failed to send the response they calimed to have mailed in response to my letters of XXXX, XXXX and XXXX, XXXX. 
Transunion is not copperative and refusing to furnish their resonse to my letters. 
Where is the actual response they calimed to have mialed to me? 
They claim to have sent it, but I never received it, so why can't they re-mail? 
I have contact TU twice by mail and now twice through this portal and still do not have the original complant response. 
I suspect the real reason I have never received a written letter though the mail is because TU failed to comply with the FCRA and never reinvestigated my complaint and never informed me of the results, Would it be too much to expect a copy of the letter or letters they calim to have sent 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 explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have to charge off on my account that I told him wasnt mine and they will not take it off my account because they say it was verified but it wasnt very far because I am a XXXX person and I never had those accounts in the first place so I was trying to get them off my experience and XXXX XXXX and it will XXXX report on my XXXX XXXX report it shows open and on my XXXX  and us. It shows closed I have twoN and when it discover and I am trying to get those off my report so I can move forward in life and possibly get a mortgage XXXX thank you for helping I have sent in my 609 laterLetters and I have gotten no response back yet thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: TX

Complaint narrative:
it Cards Inquiry date : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Tip 4 new inquiries have been placed on your credit report. 

all ftc violatons enclosed

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 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Account was opened XX/XX/XXXX, XXXX credit limit i was in hardship with losing job they continued to report the account late, after being told of this hardship. the account was closed, and i paid the account off now they are refusing to remove the account or late payments and they are not reporting the card or balance anymore last update was XX/XX/XXXX its XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
it Cards Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tip XXXX new inquiries have been placed on your credit report. 

all ftc violatons enclosed

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 2020-05-07 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: NY

Complaint narrative:
I did NOT authorize any loan service or SIGN for one, I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: OH

Complaint narrative:
I had unemployment in XXXX at which time I was issued a card. My unemployment ended sometime in XXXX and I discarded the prepaid card as it was no longer useable. The company US Bank then began depositing money back on the card due to my unemployment as a result of the pandemic. I have tried repeatedly to contact US Bank to report a lost card and order a new one. I have sat on hold for hours at a time. At the 3 hour mark their phone system automatically disconnects. I have called US Bank branches for help, I have contacted them on XXXX  and the representatives I talk to refer me to the phone number that is a dead end. I have been waiting on a new card for a month and a half. My credit score is being destroyed because I can not access the funds to pay my bills. This is greatly affecting my livelihood.

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 2020-05-07 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: NY

Complaint narrative:
The accounts listed I had nothing to do with.

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 2020-05-07 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
I recently pulled my credit and noticed that Knight Adjustment Bureaus is reporting a debts on my credit file that I no longer owe or have a balance. Knight adjustment bureau is still reporting an active balances. Also, they are double reporting with XXXX. XXXX. I've done some research and per the FCRA regulations listed on their site, it is a violation for two companies to report the same debt on my credit report. I am requesting Knight Adj bureau to remove this debt off my credit file Knight Adj Bureau Account # XXXX - XXXX XXXX. XXXX Accounts # XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: NC

Complaint narrative:
Equifax drop my score 75 points for no reason after starting a reed investigation for no reason. XXXX  continues to post the XXXX XXXX   account on my report as Equifax has.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I received an email from someone impersonating my boss at work on XX/XX/2020 and the email was sent to my work email. My boss ' information had been compromised and I was sending money under false pretenses. He requested my help with sending money to a vendor via Cash app and stated that I would be reimbursed afterwards. His email had the name of my boss and he had a photo of my boss in the email. I have email correspondence that I can provide to prove that this was impersonation. I believe there were multiple people involved as I was requested to send money to two different people. I filed a dispute to my bank ( XXXX ) and now it is under investigation. I emailed CashApp and they denied my request as they are unable to refund " completed '' transactions. I sent someone named XXXX XXXX {$1700.00}. CashApp told me I should file for fraud under my bank but I would like CashApp to cooperate with the fraud investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: CO

Complaint narrative:
My services were cancelled at XXXX XXXX XXXX XXXX # XXXX XXXX CO  XXXX on XX/XX/XXXX. I requested a final bill be sent to me. XXXX never sent a final bill and they abruptly place a negative collection mark on my credit reports with XXXX XXXX and XXXX. That has seriously damaged my credit and is in direct violation of FDCPA laws. Furthermore it appears my account may have been transferred again to another collection agency who i have never heard of. ( Southwest Credit ). That is a double FDCPA violation because not only didnt XXXX  not send me a final bill and damage my credit, Southwest Credit never contacted me in anyway to send me any collection notice and took away my right to dispute. I am asking for XXXX   and its collection agency to immediately remove any reporting to the 3 major credit bureaus and send me a final bill. The amount showing on credit reports is {$210.00}. Online account shows a different amount and there are no bills available to view online so there is no valid proof of debt available to me. I am unable to view any bills online and last bill i received was XX/XX/XXXX. In addition I spoke to XXXX XXXX with Southwest Credit on XX/XX/XXXX to advise my concerns with them damaging my credit by placing this alleged debt on my 3 credit reports. I also indicated to Mr. XXXX my intention to file my complaints to the proper agencies and I would not make any payment without their removing the erroneous negative trade lines on my credit reports AND send me proof of debt to include the accounting on how the alleged balance was calculated. I previously open complaints against XXXX / XXXX in which they never answered to and Mr. XXXX revealed that XXXX noted the account instructing to continue collection efforts even though they ignored to answer to the official complaint and to provide me with final bill breakdown. This is a violation of my rights to dispute a debt. 

DEBT. SOUTHWEST CREDIT  XXXX XXXX XXXX XXXX TX XXXX Reference /Account number with Southwest Credit XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
Mr Cooper committed fraud when they charged for a payoff quote request that was neither requested nor provided. I paid off my mortgage on XX/XX/2020. XX/XX/2020 I sent an email requesting a return of over-payment or an accounting. After several emails they finally returned partial over-payment, but kept a fee for Payoff Quote Fax Fee. I have repeatedly demanded proof of a quote request and a copy of the fax, or refund that amount. They have refused to provide and are now ignoring any requests for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
While reviewing my credit reports from Experian, XXXX  and XXXX  I noticed inaccuracies across all 3 in regard to account XXXX XXXX XXXX. After I noticed the error, I filed a dispute with Experian and sent a letter stating what was wrong along with a side by side comparison of all three credit bureau agencies. Experian then sent me a response stating the account was accurate, but I noticed the changed the date of first reporting along with deleting two years of history from the account. If the account was accurately reporting the first time according to Experian, then why did they update to the terms they have now, which are a clear violation of my rights as a consumer due to discrepancies on my report. To aid with my complaint I attached two different credit reports to assist with my complaint.

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 2020-05-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Ongoing problem with Target Credit Card and and TD Bank USA. I've had this payment set up on automatic payments for the last couple of years. The first problem occurred when they changed the minimum amount due and the payment fell slightly below the minimum. This time, the automatic payment failed to execute at XXXX XXXX 's BillPay for whatever reason. 

This credit account has been an ongoing problem due to a scam perpetrated by the creditor to collect additional fees by not properly applying credits to the account and changing the minimum due to be a moving target. Here is what they fraudulently charged me : XX/XX/XXXX {$38.00} XX/XX/XXXX {$38.00} XX/XX/XXXX {$28.00} XX/XX/XXXX {$28.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Wells Fargo has been reporting inaccurate balance history information to the credit reporting bureaus and I am having no luck getting this information corrected. This incorrect information hurts my ability to secure increased lines of credit because I am not able to demonstrate a history of paying off larger balances with the current incorrect information. I contacted XXXX  and tried to dispute the information on that end but they explained that it was Wells Fargo that supplies the information. Additionally, WF has not updated my credit card balance for the past two months, even though they reported inaccurate monthly payments. I would like updated information to be supplied to the reporting agencies. 

For example, XX/XX/XXXX, WF reported a {$25.00} payment, actual payment was {$320.00}. XX/XX/XXXX, WF reported {$25.00}, actual payment was {$250.00}. XX/XX/XXXX, WF reported {$25.00} ( actual payment {$150.00} ). XX/XX/XXXX, WF reported {$51.00} ( actual payment {$150.00} ).  XX/XX/XXXX, WF reported {$49.00} ( actual payment {$100.00} ). XX/XX/XXXX, WF reported {$53.00} ( actual payment {$100.00} ). XX/XX/XXXX, WF reported {$57.00} ( actual payment {$200.00} ). XX/XX/XXXX, WF reported {$56.00} ( actual payment {$150.00} ). XX/XX/XXXX, WF reported {$53.00} ( actual payment {$150.00} ). XX/XX/XXXX, WF reported {$53.00} ( actual payment {$400.00} ). XX/XX/XXXX, WF reported {$56.00} ( actual payment {$300.00} ).

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 2020-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TN

Complaint narrative:
I have been in the PSLF  program for years and am still having difficulty getting FedLoan to count my years that I have been employed in public service toward my loan forgiveness count. Today I called to inquire about the discrepancy between several of my loans being calculated for different amounts of time. The customer service representative was rude, and unhelpful as has been my experience many times. I was told that my loans had not been consolidated by XXXX even though I was led to believe I had followed the process for that to happen initially when I began repayment through XXXX. I'm honestly unsure of who mishandled my account, but I do know I have been given misinformation by both parties which has led to my PSLF forgiveness being miscalculated. There have also been times where I was informed that I was under a qualifying income based repayment plan only to later find out they were calculating as under forbearance. I have been employed under a PSLF qualifying job for almost 10 years and they are only calculating 65 months towards certain loans and 35 for other they say I had not consolidated. Both companies told me I had completed the process to consolidate and FedLoan took nearly a calendar year to process moving my loans from XXXX which has also negatively impacted my months towards PSLF loan forgiveness. There is no reason that some of my loans should be calculating for a different amount of time than others and I should have at least 7 years paid in by now.

Company response to consumer: Closed with explanation