vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-06 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
A XXXX Transaction is made on my Barclays credit card in XX/XX/XXXX. The charge was authorized and is supposed to be charged only one. But in my billing statement, the charge from the same merchant, XXXX is shown twice for an amount of $ XXXX. I opened a dispute with Barclays and they asked me to contact the merchant. So I contacted XXXX and they emailed me back on XX/XX/XXXX, that they made the charge only once and its the credit card company 's mistake. I provided the email proof from XXXX to Barclays. I did not receive any status update. So I called Barclays back again and they said the dispute was closed. So I opened the dispute again and provided all the proofs. This repeated multiple times till now, XX/XX/XXXX and now the last time I opened the dispute with the highest authority at Barclays, I got a callback and they told me it was too late to do anything now. That the transaction has happened a long time ago and there is nothing they can do about it. On asking why my dispute was closed so many times, they say its the merchant who is responsible and for charging me twice and it's not Barclay 's responsibility to take care of it. Now I can not contact the XXXX either because they will not keep all records from two years since its a big airline company and they have too many records to keep. Now both the parties are not taking responsibility and I as a customer have to end up paying such a big amount for nothing I used.

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 2019-06-06 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: OH

Complaint narrative:
These account below do not belong to me and they are reporting to all three credit bureaus XXXX XXXX # XXXX {$470.00} XXXX # XXXX {$220.00} XXXX # XXXX {$220.00}

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 2019-06-06 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: Professional Debt Mediation, Inc.
State: CT

Complaint narrative:
XXXX and XXXX will not delete collection account after i have told them constantly this account does not belong to me. 

Professional Debt ME

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: CITIBANK, N.A.
State: SC

Complaint narrative:
A while ago I received some correspondence from CITI and I don't remember ever having a CITI card. So I canceled that immediately. The card wasn't in my wallet and I didn't remember applying for the card. Move forward I am on the market for airline tickets. While shopping XXXX XXXX I see while checking out that I would get a {$250.00} credit on my first statement if I opened applied for a credit card. So I did. Purchased my tickets using the card and thought this might be a good card. However, when the statement arrives there is no credit. I call and they said because I had closed a credit card they couldn't give me a credit on the NEW account. Wait what? The first card wasn't even activated, no activity, nothing. The right thing to do would be to honor the advertisement. There was nothing stating if you had a previous account you are disqualified. Buying those tickets that way will have cost me other discounts because I have points to put towards that purchase. I just want this company to do the right thing and honor the advertisement. I am doing the right thing by paying timely they should do the right thing.

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 2019-06-06 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: CO

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a collection from CREDIT COLL on behalf of XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) I had a security system through XXXX. I have since left the residence and XXXX charged me an early termination fee. I never received any written documentation and any early termination fee was never explained to me. XXXX has refused to provide me any documents and/or a contract showing me where there would be an early termination fee. After several conversations with multiple representatives, XXXX told me they resolved the issue and that I did not have to worry about the termination fee. In XXXX, 2019 I was sent an email stating that I had a negative balance of {$93.00} and that XXXX had sent my account to collections. I paid the {$93.00} even though I didnt owe this amount hoping that XXXX then would take this account out of collections. I again began another round of telephone calls with multiple XXXX representatives and was told that XXXX would contact the three credit bureaus to have this negative item removed from my credit report. My credit report is still showing this line item. This is an unsubstantiated claim and I dont have any outstanding debt with XXXX. Please delete this line item from my credit report. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To whom it may concern : On or about XX/XX/19 I contacted CapitalOne to inform them of an issue regarding a refund that I was waiting for, in the amount of {$400.00}, from a total charge of {$440.00}, charged by : XXXX, CA XXXX Purchased : Tue, XX/XX/2019 Posted : Thu, XX/XX/2019 Purchased By : xxxxxx Appears on statement as : XXXX XXXX XXXX CA XXXX USA. I received the refund, in the form of a check, on approximately XX/XX/19. In the interim, Capitalone offered to redeposit {$400.00} towards my Mastercard, however they were remiss in disclosing that they would be contacting the merchant or withdrawing {$400.00} from the merchant 's bank. Had they done so, I would have declined to receive the credit. I contacted CapitalOne by phone and spent more than two hours with their representatives, attempting to cancel and withdraw the complaint, and reapply the {$400.00} charge to my account, however they refused to do so. They are forcing me to wait until the merchant responds, even though I have, as the account holder and consumer requested otherwise. This is absolutely unnecessary, and it is harmful to me, as I continue to do business with this merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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:
XXXX showing up credit please remove the ftc or fcra violation sent them this over months ago of the violation also inquires

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 2019-06-06 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: LA

Complaint narrative:
EQUIFAXisaXXXXcompanywhoconstantlyviolatestheFCRArules!!IhavebeenthevictimofIDTHEFTandhavesentpolicereportsandtrovesofsupportingdocumentsintoEQUIFAXshowingthistobethecase.IhaveseveralfraudulentaccountsthatwereNOTopenedbyme!TheseaccountswerelistedonallthedocumentsI'vesentin.Theywereallblockedandremovedatonetimeandnowtheyarere-reportingandEQUIFAXrefusestodoanything,AllIkeepgettingtoldisthattheywereverifiedasbelongingtome!!!Thisis100%false!!IftheybelongedtomethenwhyisEquifaxnotsendingproofofthistomeormyattorney?EvenwithaAttorneyinvolvedEQUIFAXWillnotdoanything!!!Howcanyouoperatethisway?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
There are two judgments against me. Both debts are old.

1 ) Date of Judgment : XX/XX/XXXX Amount of Judgment : {$11000.00} Current Balance : {$15000.00} I was out of the country from XXXX until XX/XX/XXXX. By the time I got the letter for the offer of final payment for {$4800.00}, it was too late. I called the law firm that sent me the letter that this bill is more than 8 years old. They said I was obligated to make payments. 

2 ) Date of Judgment : XX/XX/XXXX Amount of Judgment : {$30000.00} For Judgement # 2, Citibank cleared out my checking account back in XX/XX/XXXX. I wasn't aware of the judgment against my bank account until I got a phone call from the law firm XXXX XXXX XXXX. They wiped out the money I saved for my rent and car payment. At that time I had just moved to XXXX, Ca to move my mom in with me and have been supporting her because she's not working due to her poor health. 

In XXXX my mom went into retirement due too her health, I lost my job in XXXX due to the recession and since then it was challenging to find work. At the time we all lived in XXXX XXXX. In XXXX we were out of the country and in XXXX we moved because we couldn't maintain the rent, with only me working and mom only getting XXXX income. I moved to XXXX. Then in XXXX I moved to XXXX. I just learned about these judgments as of XX/XX/XXXX becuause my checking account was emptied out by Citibank. 

I am still the head of the household and am still supporting my mom. I can not afford to pay these judgments. Is it past the statute of limitations for them to try to collect debt?

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 2019-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Borrower is requesting the help of the Consumer Financial Protection Bureau to assist him in having his mortgage company correct several accounting errors in their ledgers, that do not conform to the Loan Agreement Agreement. On XX/XX/XXXX, the Borrower, had a Mortgage loan held by Bank of America ( BOA ) with a beginning principal balance of {$430000.00}. On XX/XX/XXXX, BOA transferred the loan to XXXX XXXXXXXX XXXX  ( XXXX ) for servicing, which at that time of the transfer had a balance of {$420000.00}. On XX/XX/XXXX, XXXX entered into a Loan Adjustment Agreement ( LAA ) with the Borrower. 
Shortly after receiving XXXX first monthly statement, Borrower noticed that the statement did not accurately reflect the terms of the LAA. Upon noticing the inaccuracies, Borrower contacted XXXX numerous times to ask them to correct their monthly statements to no avail. On XXXX XXXX, the loan was transferred back to Bank of America. Borrower also contacted BOA on numerous occasions to ask them to correct their ledger to no avail. 
Contrary to the LAA, XXXX reduced the original unpaid principal balance of {$420000.00} by only {$24000.00}, and therefore incorrectly calculated the new principal balance as {$400000.00}. Pursuant to the LAA, the original principal balance of {$420000.00} should have been reduced by {$27000.00}, and the new principal balance should have been correctly reflected on XXXX statements and ledger as {$400000.00}. 
Also, contrary to the LAA, XXXX statements indicate that XXXX added {$51000.00} to their incorrectly calculated new principal balance, and that XXXX intends that the {$51000.00} be paid as a balloon payment on the maturity date. But, according the LAA, interest should be waived on {$51000.00} of the XXXX XXXX, and if the Borrower fails to make timely payment on the final {$51000.00} of the principal, then the waived interest on the {$51000.00} becomes due as a balloon payment on the maturity date. 
Also, XXXX statements and ledger incorrectly show a 4.5 % interest rate on the loan, but the LAA clearly states that the interest rate on the loan is fixed at 3.5 % for the remaining life of the loan. 
Because of XXXX deviations from the LAA,  XXXX ledger shows that, for the 28 months that the loan was with XXXX, the original principal balance was reduced by {$24000.00} and that the Borrower made total principal payments of only {$8800.00} ; for a combined total reduction of the original principal of {$32000.00}. Therefore, at the time the loan was transferred back to BOA for servicing, XXXX miscalculated the principal balance as {$390000.00} instead of the actual {$370000.00}.

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 2019-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
COMPANY CONTINUE TO SEND DEMAND NOTICE FOR FRAUD ACCOUNT NOT MINES, ACCOUNT OUTDATED OVER 6YRS OLD ( CALIFORNIA STATE STATUE OF LIMITATION HAS EXPIRED TO COLLECT 4YRS OPEN ENDED CREDIT CARD ACCOUNT ), COMPANY VIOLATES " FDCPA, FCBA AND FCRA '', FORMAL COMPLAINT FILED WITH " XXXX '' CASE # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
Have been charged high interest rates and have always paid more than minimum due. 
Bank of America has been charging me 28 percent interest! Have always paid on time.

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 2019-06-06 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: LA

Complaint narrative:
Experian is reporting fraudulent info on my credit report. I have been a ID THEFT victim and they have been wonderful with helping to fix all the fraud. There is now a account that is re-reporting that was once removed due to it begin fraud. This account needs to be re removed ASAP as it is fraud. Supporting documents have been sent in. Thank you

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 2019-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: GREAT WESTERN BANCORP, INC.
State: IA

Complaint narrative:
The dates are not exactly clear because we've had different responses from Great Western Bank. They've refused to work with us. They also sent us a letter saying to stop contact with them, and accused us of harassment. In mid XXXX of XXXX our bank account was levied for a unpaid credit card. I had deposited my check on a Friday and Monday morning my card was declined. The XXXX county sherrif department issued the XXXX. Great Western Bank honored the XXXX putting account at XXXX balance. Then they charged us {$90.00} for a XXXX fee causing account to go negative. There were bills pending prior to XXXX XXXX XXXX XXXX XXXX XXXX, causing account to go further in debt we were unable to do anything at that point. On XX/XX/XXXX the account was charged off, and by the end of XXXX was sent to collections. My wife 's grandmother had passed away in the beginning of XXXX. We believe there were possible funds that were to be deposited into that account. The manager of Great Western Bank in XXXX XXXX Iowa knows all of us personally. There is a great conflict of interest concerning this matter. My wife was a signer with her grandmother who also had a account at great Western Bank. They refuse to give us any information. The XXXX county sherrif deptmart XXXX was supposed to last 4 months. We had no chance of recovering the account, and the XXXX left us financially ruined. Also we found out there was a great Western bank account set up in XXXX with my wife and her mother in there maiden names. They both did not have there maiden name in XXXX. We inquired with the bank about this account and they told my wife she wasn't entitled to any information about the alledged account. My wife had that account since she XXXX years old her grandmother set it up for her. She later added me to account and the XXXX was my responsibility. There were pending child support payments as well.

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 2019-06-06 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Syncb/Ashley Homestore is reporting a late I do not have. I paid the account off in XXXX and I should not have a XXXX late. They called me and said it was a mistake and that they would fix it however they have not done so. I should not have a late on this account it was paid off and it is their mistake.

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 2019-06-06 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a collection from XXXX XXXX on behalf of XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) I had a security system through XXXX. I have since left the residence and XXXX charged me an early termination fee. I never received any written documentation and any early termination fee was never explained to me. XXXX has refused to provide me any documents and/or a contract showing me where there would be an early termination fee. After several conversations with multiple representatives, XXXX told me they resolved the issue and that I did not have to worry about the termination fee. In XX/XX/2019 I was sent an email stating that I had a negative balance of {$93.00} and that XXXX had sent my account to collections. I paid the {$93.00} even though I didnt owe this amount hoping that XXXX then would take this account out of collections. I again began another round of telephone calls with multiple XXXX representatives and was told that XXXX would contact the three credit bureaus to have this negative item removed from my credit report. My credit report is still showing this line item. This is an unsubstantiated claim and I dont have any outstanding debt with XXXX. Please delete this line item from my credit report. This incorrect reporting is harming my credit score.

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 2019-06-06 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: CO

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a collection from XXXX XXXX on behalf of XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) I had a security system through XXXX. I have since left the residence and XXXX charged me an early termination fee. I never received any written documentation and any early termination fee was never explained to me. XXXX has refused to provide me any documents and/or a contract showing me where there would be an early termination fee. After several conversations with multiple representatives, XXXX told me they resolved the issue and that I did not have to worry about the termination fee. In XX/XX/XXXX I was sent an email stating that I had a negative balance of {$93.00} and that XXXX had sent my account to collections. I paid the {$93.00} even though I didnt owe this amount hoping that XXXX then would take this account out of collections. I again began another round of telephone calls with multiple XXXX representatives and was told that XXXX would contact the three credit bureaus to have this negative item removed from my credit report. My credit report is still showing this line item. This is an unsubstantiated claim and I dont have any outstanding debt with XXXX. Please delete this line item from my credit report. This incorrect reporting is harming my credit score.

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