vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XXXX XXXX I visited BestBuy store in XXXX XXXX and made purchase of two items total value {$68.00}. I used my Credit card to make the payment and the payment went through and was posted on my Credit card too. I didn't use my bestbuy credit card for that purchase. While reviewing the monthly statement of both card ( bestbuy as well as the card which I used to make the payment ), I see that in bestbuy credit card which is control by CITIBANK it should outstanding amount of {$68.00} whereas in my creditcard with which I made the payment, it shows the payment was made. 

Later in the month I started getting continuous call from CITIBANK managing the bestbuy card for the latefee plus the outstanding amount which I need to pay. I kept on telling them that this is the issue of double charge. This again started getting reported to all the 3 credit bureau and impacting badly on my credit score. I called the Bestbuy provided number every month starting deceber 2020, stayed on the call ~50 minutes telling multiple agent what happened but no resolution. One time they asked me to fax the statement copy which shows payment was made. I faxed the statement which reflect tht the payment of {$68.00} was made on the same day in store.

It has been 6 months now and there is no end to this. I stay on call for 50+min without any resolution. They keep on opening the dispute and later closing it without calling me and every month my credit score getting -ve impacted. I visited the store too in person but they say only CITIBANK Card team can help you not them.

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 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
XXXX XXXX showing up on credit report stating I owe them XXXX. This insurance was cancelled by XXXX XXXX on XX/XX/2021. 

I called XXXX XXXX in an effort to explain why I owed this amount of money when the insurance was cancelled by them. I was told that I am still responsible for the debt even though the insurance was cancelled.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
Payment was refused at check 'n go mailed in additional payment check date XXXX. 
Amount of Claim : {$550.00} Late Payment Amount : {$580.00} Account currently in collections XXXX XXXX who is also avoiding. 

XXXX Branch Closed XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST HOME MORTGAGE CORPORATION
State: MD

Complaint narrative:
My city property taxes remain unpaid and past due. I received a final notice from the city indicating plans for placing a lien on the property on XX/XX/XXXX. I have contacted my escrow company 's customer service department via email and telephone multiple times over the last few months to report the unpaid balance ( including on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) along with notices I have received from the city and documentation indicating the balance due, but the matter has still not been resolved. An escrow analysis I received at the end of XXXX shows a disbursement to the property taxes was supposed to have been made in XX/XX/XXXX, but no disbursement was ever made -- this seems to be the source of the balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
ACCOUNT HAS NOT BEEN VERIFIED WITHIN 30 DAYS

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 2021-03-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please pay attention to the fact that I have item reported in my credit profile. This item is reported only by Equifax that's super strange. I do not know this account and I ask you to check it and manage investigation. Somebody used my personal information or its just error in reporting but anyway I do no like it and I ask you to delete it immediately. Thank you for understanding

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
My complaint is against BMW of the XXXX XXXX in XXXX XXXX New York. I feel I was swindled out of my cars that I traded in to purchase another car, One was a XXXX XXXX with XXXX miles on it, and the second was a XXXX XXXX XXXX ( which was my Daughters car ) and it also had a low mileage. However, By misleading advertising and showing me copies of other cars that were going for that price .... ( scamming ) but it was a figfetent car, and werent my car I wasput under stress with two people tryigtoconvince me theywere doingme a great service ..., and they did this to convince me that what they were offering me was the correct price. I didnt recognize the problem until after I made the purchase and I have not been able to communicate with them. They are refusing to answer my phone calls and to set up a meeting to discuss this issue. I have the documents that show the price of the cars that I sold to them well way undervalued. They sold me a car for {$41000.00}. Yet they gave me {$14000.00} for a XXXX  that was only 2 years old, and I paid almost XXXX when I purchased it for my daughter. 
I was showed a false advertisement of another car that value was that amounts. Which they put off on me as if it was my car. They still have it on all mystatements as a XXXX XXXX XXXX, with over XXXX miles on it. And thats where they came up with that number. I was confused, I was rushed, I didnt read everything through because of the pressure I felt I was under. And when I went back to swap back out the deal they refused to even speak to me at that point. I felt I was scammed, swindled, information was ' mis represented t to me. Yet I feel now they are avoiding and ignoring me and refusing to discuss it. So I have tried everything to settle this matter I still have the car I wanted to back out the deal with ; the XXXX. They refused to speak with me in regards to this. So Im asking you for help ... XXXX XXXX telephone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I sold a XXXX XXXX XXXX XXXX on line through XXXX  and the customer paid {$3500.00} for the machine and {$100.00} for the shipping of the machine. The customer paid through PayPal and took out {$100.00} for their fee. Which left a total of {$3400.00} which I had not received any part of to date. On XX/XX/XXXX I sold through XXXX  a XXXX  XXXX XXXX machine for {$3500.00} and {$190.00} for shipping. Again the customer paid trough PayPal and PayPal took out {$100.00} for their fee. Out of this second transaction PayPal released to me {$2500.00} which leaves an outstanding balance of {$4500.00} which is being held.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: TN

Complaint narrative:
Today I checked my credit and discovered that this agency says I owe them money for an unpaid debt. This debt should have been paid thru my insurance company XXXX XXXX XXXX. I have XXXX/XXXX  of TN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
The Condo I own has their own insurance and Shellpoint was sent those documents ... ..they claim they didn't receive it so charged me for escrow which I refused to pay. Once the mess was corrected they gave me credit for the escrow charge except they charged me {$940.00} for late charges even though I NEVER missed a payment and was NEVER late. I want to pay off the mortgage ( the correct amount ) and have my credit score restored. Neither has been answered by Shellpoint. How long must this go on before I have to file a lawsuit? And the compliance manager, XXXX XXXX, did not help the situation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I have been disputing items with the three major credit bureaus : XXXX, Equifax, & XXXX and they have not provided me with anything. I have been disputing negative items for months now and they have yet to send me a single letter stating they have received my disputes or that anything was done for that matter. I understand that with Covid there has been a slight delay but its been over 8 months now and I still haven't received anything?! If they could do their job they would know that there is a double reporting account on my credit that is seriously affecting me. This is a violation and it must be fixed and you have done nothing to help. These negative items need to be taken care of and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
This ridiculous. I submit one complaint and your respond to it with something that doesn't have to do with the complaint I sent you. I submit another complaint to address the first one and the response that made no sense, but you shut my complaint down say you need my authorization. I call in and the rep had no clue how to help me. This is straight up illegal. I sent a letter disputing inaccurate items on my report on XX/XX/XXXX and still no response. i send another letter on XX/XX/XXXX demand that status of the results still no response. 
you have everything you need. in my first letter i sent a notarized letter with the dispute as well as my identification. If this can not be resolve i will report to XXXX  and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: UT

Complaint narrative:
I have been disputing items with the three major credit bureaus : Transunion, XXXX, & XXXX  and they have not provided me with anything. I have been disputing negative items for months now and they have yet to send me a single letter stating they have received my disputes or that anything was done for that matter. I understand that with Covid there has been a slight delay but its been over 8 months now and I still haven't received anything?! If they could do their job they would know that there is a double reporting account on my credit that is seriously affecting me. This is a violation and it must be fixed and you have done nothing to help. These negative items need to be taken care of and removed.

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 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jana Ferrell & Associates LLC
State: TX

Complaint narrative:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: Colony Brands, Inc.
State: NJ

Complaint narrative:
I have contacted all 3 credit bureaus and the individual creditors involved in this identity theft with a police report. These accounts are still reporting on my credit and I have received no satisfaction or response regarding this from the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My PayPal account was permanently suspended for no apparent reason. When I called and asked for a reason they refused to give me one. I have {$800.00} in my PayPal account which I refuse to get to me until 180 days. Its been two months and due to Covid I am in need of that money since I have not been working very much. I expressed this to them and they could care less. Its caused me and my family A lot of stress that was unnecessary since I have that money sitting on. I dont think it is ready for them to pick and choose when I can access my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: AZ

Complaint narrative:
Someone please help! I have reached out to Transunion multiple times and they never get back to me. on XX/XX/XXXX I sent a letter disputing all that was wrong with my report. Along with it like recommended o their site i sent a copy of my Id and a notarized letter confirming the dispute. I never got a response and they couldnt tell me anything over the phone. That's 51 days! A month later onXX/XX/XXXX I send another letter demanding the investigation results. Still nothing! CFPB please step in and help with this. I understand covid may delay things but this is ridiculous and I doubt its legal.

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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. BANCORP
State: WA

Complaint narrative:
I filed a complaint with CFPB in XX/XX/XXXX - your report # XXXX I heard nothing else from this company until I got a notice early this year on my credit report saying it was 120 days past due which made a big difference in my credit score This account was written off by the company and when doing that they decided to file this negative past due payment information So everything they say is not true. They have not been able to prove to me that this was a joint account by providing my original paperwork that I signed in XX/XX/XXXX They have not sent me any of these 120 days notice of late payments by mail or email

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 2021-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Bureau of Jamestown, Inc.
State: NY

Complaint narrative:
On XX/XX/21 at XXXX I requested to be put on a do not call list and to be no longer contacted. On XX/XX/21 at XXXX I was illegally contacted by the third party creditor XXXX who I previously requested to have my number put on the do not call list. On XX/XX/21 after being contacted XXXX failed to read me my mini miranda warning that is legally supposed to be disclosed to me within the first 90 seconds of right-party conact as a resident of New YorkXXXX XXXX XXXX. The creditor then failed to disclose the company address which is legally required to be given to the valid party when asked/requested, and also refused to give information regarding their supervisors and was told I would not be transferred to talk to one. A supervisor then contacted me on a 3rd phone call 30 minutes later and refused to provide company address, or resolve the issues of the above offences for violating the FAIR DEBT COLLECTION PRACTICES ACT. This is an abusive of state/federal law and Debt Collector Harrasment which has caused me distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
on XX/XX/2020 i apply for a new credit card and was approved and they send it via mail during the course the card was stolen and i received a billing stating congratulations for activating your new card and was used at a XXXX store in XXXX NJ some 10 miles away from my home, so icall the comapny to report i never received the card but it was activated and used the representative made notes and said they will cancel the card and will issue me a new one in which i did reveiced 10 days later. Now they still attaching that {$400.00} dollars used from the stolen credit card. I have spoken and e-mail the company since last year to no results. I am not going to pay for merchandise i nerver bought or a credit card that i have not received.

Company response to consumer: Closed with explanation