vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 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: CT

Complaint narrative:
XX/XX/2020 Dear Sir / Madame : I am writing to contest the {$890.00} flight tickets from XXXX XXXX that I purchased with my Citibank credit card. The tickets in question were for two roundtrip flights from XXXX to XXXX, leaving XX/XX/XXXX and returning XX/XX/XXXX. Leading up to the departure date, we received a text message from XXXX XXXX indicating that either the outgoing or returning flights would be cancelled. XXXX then presented us an option to request a refund which we promptly did XXXX please see attached screenshot XXXX XXXX XXXX XXXX. 

Subsequent to this, we received an e-mail from XXXX XXXX on XX/XX/XXXX asking us whether we want to be refunded via travel credit in XXXX, Option 1. Or, to proceed with a reimbursement, Option 2. We chose Option 2 ( please see attached e-mail XXXX XXXX XXXX. 

Finally, on XX/XX/XXXX, we received another e-mail from XXXX indicating that they are processing our reimbursement request ( please see attached e-mail XXXX XXXX ). 

XXXX XXXX subsidiaries in XXXX have filed for bankruptcy and has curtailed operations in the United States as the result of the COVID-19 pandemic. 

Since we will not be able to fly on the purchased value of our tickets, we reached out to Citibank for a refund. Although it indicates on their website the issue should've been resolved in XXXX, it still has not. 

I wrote Citibank and called their office a number of times. They mentioned their office would get in touch with me, but they have not. As a matter of fact, they've charged me interest charges the last couple of billing statements because I've refused to pay the {$890.00} charge. Also, I contacted Costco who the credit card is co-branded with. 

Our concern is, with XXXX XXXX XXXX impending bankruptcy, we will not get the value for the flights we paid for. And thus requesting Citibank 's refund. 

We appreciate your support and understanding. 
Sincerely, XXXX XXXX XXXX XXXX ( mobile )

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 2020-08-18 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have a loan with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and WF CRD SVC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and WF CRD SVC with no successful resolution. There was definitely an error on their part.

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 2020-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems is listed on my credit report. Reported by XXXX XXXX XXXX in XXXX SC which I never lived there. I sent them a certified letter to provide me proof that this bill is in fact mine. I asked for copies of a lease agreement with my name and other items to provide me proof. I sent the letter about 3 weeks and no response yet. I want this removed from all three credit bureaus effective immediately. They are very rude and disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
all 3 credit bureaus reporting different account information about account. I have reached out to creditors and credit bureaus about getting the information 100 accurate because all 3 reports have different information so how would i know what is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I called Amsher collections who was reporting a debt against me from XXXX. It is reportedly to expire on XXXX, however I have had XXXX XXXX XXXX   since my son was born in XX/XX/XXXX. Ive never had a XXXX   account, so I called to inquire. I have never received an initial contact letter, no notice of my right to dispute. I told them I didnt know who they were I didnt have a XXXX account in well over 7 years now. When I called they informed me that they were going to sue me if I didnt pay this. I asked who the lawyer was and they named a lawyer not even licensed in Texas. 

They should not be reporting and should no longer make threats against me for legal action they know they cant take.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account.

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 2020-08-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I bought two sofa sleepers on XX/XX/XXXX for XXXX at zero percent interest for 5 years. I then bought a desk on XX/XX/XXXX for XXXX at zero percent interest until XX/XX/XXXX. They added some kind of account protection that cost a little over XXXX a month and that payment was paid from the monthly amount due for the promotional pricing. I set this up as an auto payment with electronic statements. I did not realize I was being set up for a huge 29.9 % finance when only half of the promotion was set up to be paid at zero percent interest. I chatted with XXXX and he said everything was calculated correctly and then said it was an error because of the exorbitant fee associated with the protection plan.He said I should ask for a refund for the protection plan. I called on XX/XX/XXXX at XXXX XXXX   CST and got hung up up and then called at XXXX XXXX  CST and finally got a manager who made fun of me for not catching it on the online statement. He then lied to me and said that the purchase would still carry at zero percent interest after the promotion ends because that is what I bought it for so it doesn't matter-this is not what is printed on the statement. He also told me that he can not add the protection plan costs to the balance because that would incur interest and cost more. So I am stuck with bad furniture that did not hold up and really dishonest financing. They intentionally set up my monthly minimum so that it would not cover the promotions.

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 2020-08-18 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: OneMain Finance Corporation
State: MI

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
As I was furloughed in XX/XX/2020, I applied to Wells Fargo Mortgage for a forbearance. I applied for a three month forbearance. As I did not receive a reply before my XX/XX/2020 mortgage payment was due, I paid my XX/XX/2020 mortgage payment in full. I did not pay XXXX or XXXX. In XX/XX/2020 I received a letter stating I needed to take a decision on my mortgage forbearance. I spent over an hour on the telephone with Wells Fargo Mortgage on XX/XX/2020 and concluded with them that I would pay one of the two months that I had not paid and the other would be moved to the end of the loan. I paid the full monthly mortgage payment while on the telephone with Wells Fargo Mortgage and they informed me that when it posted the following day, only one monthly payment would be moved to the end of the mortgage. I received a letter dated XX/XX/202 stating that 2 past due payments were deferred. 
This is erroneous as I made my XX/XX/2020 mortgage payment in full on time and my XX/XX/2020 XXXX payment in full on time. 
I wasted 47 minutes on the telephone with Wells fargo Mortgage on XX/XX/2020 trying to get this matter corrected as my mortgage statement is indicating the incorrect outstanding balance. I was told that they would have to investigate and review the tape of the XX/XX/XXXX telephone call, despite the fact that they could see in my mortgage account that only one payment was outstanding. WHen I requested that I be allowed to tape record my conversation, they told me this was not allowed, despite the fact that they advised me that they were recording the conversation. 
I request respectfully that you look into this as my Mortgage Balance is recorded incorrectly.

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 2020-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account.

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 2020-08-18 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this  information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18 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: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
On CHEX SYSTEMS REPORT there is a bank account that is reporting and is not mine and is very noticeable and verifiable because it show the last 4 digits of the social security to NOT match mine. This bank account has the same name and DOB but of course different social security numbers because we all have our own social security numbers. I disputed with Chexsystems and they claim that the negative reporting of the bank is accurate, because the bank CLAIMS that when this negative bank account was opened, the social security number they are reporting on my Chex systems report is what was used to open the account. They are claiming that just because we have the same name and DOB that this account is mine, which I CAN'T UNDERSTAND why if the bank is showing a total different SOCIAL SECURITY NUMBER than mine. Last 4 numbers are all different. So here I get stuck on my Chex systems report, reporting a FALSE account which you can clearly see that the ss number is different reporting on my report. If Chex systems can VERIFY themselves and clearly see that those numbers are incorrect why don't they remove that information? That is against the law to report something that is not yours on your credit report. Chexsystems refuses to remove it just because the bank says that it is the social security number that was used at the time the account was opened. I clearly understand that but shouldn't it be reporting on the person who has my same name and same DOB but DIFFERENT SOCIAL SECURITY NUMBERS? This is how people are different from every person who has the same names and same DOB and same addresses is by our SS Numbers. Remove this account Please.

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 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian allegedly provides free credit report for XXXX == unfortunately, its a simple table with zero information. I require a full credit report so I can dispute an item. When I try to dispute an item, after logging in, changing passwords ( because the passwords stop working ) I ended up at an error page on the internet, or " page not found. '' Or a pay site. I'm tired of this. I tried to access the disputes, but end up going no where. So frustrated. I need the full credit report to dispute an item that is causing me great credit hardship.

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 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
When will this bank give me proper accurate information their customer service keeps giving me wrong information I just want my debit card to be contactless tap to pay as they offer on their credit cards I just dont understand why they dont yet have them on the debit cards and they tell me its offered but when they send me a replacement it has a boring chip its time for them to upgrade their technology espicwlltnwith pandemic

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 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX of 2020, my account at BBVA Compass was closed in retaliation after I filed several CFPB complaints alleging that the bank had mismanaged their PPP loan application process in a manner that violated their Lender Agreement with the US Small Business Administration. Unfortunately, the retaliatory actions did not stop with the account closure. I was subjected to hate speech by a bank employee, hung up on by the bank, told that my only communication with the bank could be an email address which would routinely take several days to email me back. I was also told by a bank employee named XXXX XXXX, who has also engaged me with hate speech, that I would be able to retrieve my funds from the bank via an outgoing wire transfer if I dropped my complaints and released all claims, but I said I did not feel this was fair and wished to reserve my rights. At this point, the bank further punished me by issuing a cashier 's check via XXXX  to return the funds, which they are legally allowed to do. However, the check that was issued was a " bad '' cashier 's check without any funds to back it, which did not allow it to be deposited. This check contained the entire balance of my small business 's account and I could not access it for weeks. Writing a bad check is a crime. Between the account closure and XX/XX/XXXX, I made over 50 phone calls to BBVA USA and was constantly hung up on and told that my only form of contact with the bank could be via email. I emailed the address they gave me constantly throughout this period to attempt to locate my funds, and was never told their whereabouts. On Friday, XX/XX/XXXX, I sought help from the XXXX XXXX Police Department who took over the case. A detective there, XXXX XXXX, took statements from both BBVA USA and XXXX XXXX, where I was attempting to deposit the check. BBVA USA played XXXX, stating they had no idea where the funds could be and calling the situation " bizarre. '' XXXX XXXX, on the other hand, provided a very clear picture of what had happened -- a crime. A senior VP at XXXX XXXX, XXXX XXXX, made a statement to XXXX 's Detective  XXXX clearly stating the check was " bad '' and did not have funds to back it. This is a criminal offense. After several corrective conversations with a high-up employee at BBVA,  Detective XXXX was able to get the funds released and I was able to deposit my check on XX/XX/2020. The full value of the check, due to its complicated history, was not available to me until XX/XX/2020.

Company response to consumer: Closed with explanation