vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have had a credit card with Best Buy ( Citibank ) for a long time and have used it and paid it back. I had a small balance left from a previous purchase but needed to buy a new refrigerator. I was going to pay cash but the sales associate at the XXXX XXXX, Illinois location kept insisting I pay with my credit card. I told him I had a balance that already had 0 % but he said I could have two simultaneous promotions. He said I could get the refrigerator at 0 % for 12 months so I accepted even though I really just was comfortable paying cash. When I got my first statement, I saw that the refrigerator was no at % interest. I made the payment and tried to call the store but the manager never called me back. Finally he called back after several calls and told me to call Citibank. At this point, another statement generated and it still had interest being charged. I called Citibank and they said they would look into it. I never heard back and got frustrated and paid it off. I understand with COVID, call centers were very delayed but I have been inquiring with store and customer service for months. On XX/XX/XXXX ( after I paid off ), I decided to send a message to them to voice my complaint and request a refund of the interest I paid on the refrigerator. I got a message back a week later apologizing for not " meeting my expectations '' and they appreciate feedback. Here is the exact email they sent me : We received your recent inquiry regarding the account. 


The time you took to let us know that we did not meet your expectations is appreciated. For this, we sincerely apologize and hope that you will continue to make us your choice for quality and value. 

Your business and feedback are very important to us and we will continue to improve our service to you. 

We regret any inconvenience or difficulty this may have caused you. 

Nothing about the fact they lied, ignored my previous calls, or a resolution on refunding me interest. I am so upset that just apologized but did not research the issue or refund 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 monetary relief
Consumer complaint received 2020-05-15 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: FL

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they  would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX

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 2020-05-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine.  None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX

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 2020-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made payments of {$1500.00} to pay down my balance on my XXXX CC so that my utilization would not show as high and raise my score. And what does chase do as soon as I pay off that amount?? THEY DROP MY XXXX CREDIT LIMIT SO MY UTILIZATION IS HIGH AGAIN!!! Im trying to buy a home in the next year and you are causing me financial harm not just now but FOR THE FUTURE!! Put my credit limit back where it was when I had this card!! Am I the ideal customer? No. But I called you all multiple times and told you my husband had lost his job and we were struggling to make payments. Even with that knowledge I made payments to you all anyway! You know what I couldve done with the money if I hadnt paid you all? XXXX XXXX! This is what the bailout money of XXXX did? Allow you all to crush the middle class working person who is down one income??? Had I known you would pull this XXXX I would not have paid that XXXX and would have just kept making the minimums!! Give me my credit limit back or give me my money back!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
Square 's product Cash App - would not allow me to transfer money out of the app or account via the fee less option. I checked with XXXX XXXX XXXX XXXX ( the bank the funds were going to ), they stated everything was okay on their side. Square refused to provide additional information needed to complete the transaction. 
- the only workable transfer I was left with was the fee based transfer. 
My funds were thus held and un transferable without a fee and I was unable to use the transfer option which took longer but did not charge me a fee. 
- I contacted square they refused to provide any support for the Cash App product other than directing me to a Q & A support page on the internet and within the App. 
- The feature to add a bank using the outing and account number did not work per their support page information and instructions. 
- The only option that worked was to have XXXX XXXX XXXX XXXX debit the account via phone which was limited to {$250.00} a day making it a lengthy process. 
- Cash App offers not interest on their money. 
- When I contacted Square regarding the issue I had no live person to speak to to discuss the problem via chat, phone nor e mail ... just the support page. 
- I am highly concerned as a consumer that this product holds and manages large sums of money without offering any support ( outside of a Q & A page ). They also have features that are without fees that do not work. The XXXX XXXX XXXX XXXX debit did not always work and sometimes required several calls and attempts before going through. Telling the XXXX XXXX XXXX XXXX employee that the card number was invalid despite the fact that the number was confirmed and worked on the next call? 
- Their accounting is also very unclear not giving a clear statement of your transactions and your balance in one place and in a clear manner. Pay Pal also has unclear accounting statements. 
- As a consumer I would like to see actual customer support by live people and better more clear accounting of credits, debits and balance in one place on one statement similar to banks. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IA

Complaint narrative:
I had called Carrington Mortgage on or around XX/XX/2020. Asked they why they have not reported my loan to credit bureau. Because I had disputed done complaint with CFPB ( XXXX ). They advised me they are not going to report mortgage from date claim for 120 days. I asked when will report he told me that did not know. 

When I go to credit karma looks they have charged off the my mortgage. Something is not correct. I tried calling trans union there office are reduced hours because of the covid. The hours they open I am working. When Carrington reports to the credit bureau my credit score does not update. I need everything report correctly from XX/XX/2020 to current. 
I have included screen shots. If notice the home loan has a black dot just like the auto loan that is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XXXX of XXXX, my wife and I opened credit accounts with Park West Gallery ( Synchrony bank ). Although I did not use my account to make any purchases, my wife at the time purchased several pieces. The agreement in place at the time of my wife 's purchases was that no remittance would be issued until she received the last piece of art. The last week of XXXX, she received the last piece and in the first week of XXXX, I found that Park West had made a derogatory report to the credit bureaus in MY name. When contacted, Park West acknowledged their error and corrected it. 
In XXXX, XXXX, I discovered that park West had once again made a derogatory report to the credit bureaus. 
I corresponded with Park West on numerous occasions over the next several years, and even retained an attorney to work on my case. Despite several written notifications from my attorney, Park West failed to correct their error and restore my good credit.Park West 's continued derogatory reporting resulted in my credit history being tarnished, a freeze on my HELOC account, and higher  interest rates on new vehicle purchases. 
In XXXX Park West charged off the account, further damaging my credit. 
Today, XX/XX/XXXX, I received a XXXX alert regarding my credit. Upon investigation, I saw that Park West has initiated some type of suit or judgement against me, but I was unable to find out more details since it was after hours. I have a number of documents to attach to this complaint which will show that I made extensive effort over a span of several years to communicate with Park West and resolve this issue, all to no avail. 
I am not adding any more data to this text block, since I am attaching the previously mentioned documents.

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 2020-05-15 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed when it is being disputed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork status update date proves that this account wasn't even investigated. 
Contacted creditor and was told it was charged off yet credit report shows balance still owed as well as a past due amount of {$10000.00}. I contacted the company who they claim they sold the debt to yet no one answered and phone just rung. 
There are several FCRA violations associated with this account and though I have disputed the validity of this debt several times, I have yet to see any PROOF of amounts. 
XXXX  states late 120 days. No other agency is reporting this XXXX  show no data on 2 yr pymt history XXXX show no data on 2 yr pymt history Account has been charged off since XX/XX/XXXX yet past due amounts and balance owed are still reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: MN

Complaint narrative:
This car was declared a charge off but I never got any documents. 
Under the laws of the State of Minnesota UCC UCC Article 6 :336.9-608,336.9-615,336.9-616, Subpart. noncompliance with article 336.9-626 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I am requesting but until today I dont have any documentation any paper for how much was sold the car, but they still reporting a information is unverifiable, I sent just this year 3 letters I understand everything is slow, but this is completely unacceptable.XXXX, XX/XX/21 and no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: Nelnet, Inc.
State: CA

Complaint narrative:
Unfortunately my identity was stolen I need help one bureau, XXXX  has saw fit to delete the derogatory information from nelnet. But XXXX & XXXX  are giving me a hard time I'm a XXXX single mother of XXXX, I dont even have a XXXX. Below is the information & proof of who stole my identity & almost got me pur in jail, XXXX XXXX was my Care taker. Until she broke into my house & stolen my rent money, & now I'm almost homeless. Please help my family!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on my account I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to 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 non-monetary relief
Consumer complaint received 2020-05-15 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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
In XX/XX/2018 I paid my auto loan of {$620.00} through Ally Financial 's bill payment app. The app crashed upon my submission of the payment. I did not resubmit because of the chance of a double charge and I believed the payment went through.The payment did not get posted and I was given a 30 day late on my credit report. Once I realized the money never left my account and the payment was not received I called to fix the error. Ally said they would put a dispute in and let me know the result. They contacted me and said their app didn't receive my payment and they couldn't remove the late payment. I spoke with managers and they said they would try to help me. I was sent to several people and none helped me resolve the matter. I pay my bill consistently. Still no one would see my side. I kept being told that the tech team said there was no issue with the app. How would I know if that is true or not? On top of that, the late payment is being inaccurately reported on my credit report. XXXX  has it for XXXX, while XXXX  and XXXX  has it reporting late for XXXX. Attached is the payment history from my credit report showing the inaccuracies.

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 2020-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed when it is being disputed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the XXXX on the account. I didn't receive this paperwork status update date proves that this account wasn't even investigated. 
Contacted creditor and was told it was charged off yet credit report shows balance still owed as well as a past due amount of {$10000.00}. I contacted the company who they claim they sold the debt to yet no one answered and phone just rung. 
There are several FCRA violations associated with this account and though I have disputed the validity of this debt several times, I have yet to see any PROOF of amounts. 
XXXX  states late 120 days. No other agency is reporting this Transunion show no data on 2 yr pymt history XXXX  show no data on 2 yr pymt history Account has been charged off since XX/XX/XXXX yet past due amounts and balance owed are still reporting on my credit file.

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