vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-02 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My wallet was stolen on XX/XX/2019. I started receiving messages about potentially fraudulent transactions while I was driving home from work that evening. When I parked and checked my purse ( approximately XXXX XXXX. that day ), I found that my wallet was missing. I notified my credit card issuers immediately that evening. There were XXXX charges on my Citibank credit card that were initially reversed, but then posted again on XX/XX/2019. These were a charge at the XXXX XXXX in the amount of {$2600.00} and a charge at XXXX in the amount of {$220.00}. I did not incur either of these charges - they resulted from the theft of my wallet. 

I spoke with a fraud investigator from Citibank and also sent them a copy of the police report I had filed with the XXXX Police Department on XX/XX/2019. I was not informed that the charges would be reinstated but found this when reviewing my account information online. The " dispute '' function usually available for transactions was not available for these two transactions.

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 2019-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
The loan was taken out XX/XX/XXXX, in my XXXX XXXX says there is a balance of XXXX and also it says that the payment status is in collection/ charge off and that the last payment was made XXXX XXXX. The bank name is Santander Consumer USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE

Complaint narrative:
On XX/XX/2019 I attempted to buy a flight ticket from a company called XXXX from XXXX to XXXX XXXX. The amount was approximately {$320.00}. When I viewed my Bank of America Checking account it showed a charge to a company called XXXX. Bank of America thought this was fraud so they blocked the payment. However, the money still came out. I knew this because of the balance total in my account before the removal was Approx. {$2000.00}. An adjustment was made to the account in the amount of {$320.00} however the balance never changed back from {$1600.00}. Instead, all of my transaction histories scaled back to show a different amount going back months. So now the {$320.00} just magically disappeared from my account. When I attempted to reach out to them I was put on hold for over an hour 5 times and every time I would get a representative they would evade my questions and then just eventually start telling me that there was nothing they could do and hang up on me. Not once was I able to even address the issue due to the way their customer service would treat the call. Not a single individual in 3 days was able to even begin to listen to my issue because they won't even go that far. It seems as if they are aware that they have done something with the account and now will do nothing to rectify it. Furthermore, they deleted all transaction history related to this situation. Not only did this mess up my trip because the tickets are no longer available but now I have to rebuy the tickets for {$500.00} and I lost the {$320.00}. I am United States Service member stationed overseas I should not have to deal with this type of behavior from an American corporation. Completely ridiculous!

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 2019-11-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I never received a letter or email to have the chance to dispute or verify the validity of this debt.i started receiving phone calls and my family,, threatenting to have a person show up at my job to serve me papers.and was told a warrent for my arrest. Will be issued because i wrote a bad check .no options to make payment arrangments.had to close my checking acct.i had to change my phone number..i was never given to option to explain what happened .the reason that i was unable to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: Credit Bureau of Carbon County
State: CO

Complaint narrative:
Collection Center Inc of Wyoming took possession of a debt from XXXX XXXX XXXX  on XX/XX/2019 in the amount of {$6600.00} dollars. This account was approved for charity care and recalled by the original creditor with a XXXX dollar balance on XX/XX/2019. Collection center has verified they received this request from XXXX XXXX. 

A dispute was opened with XXXX  and Collection center inc. falsely verified the balance of {$6600.00} to be correct on  XX/XX/2019, when they had documented evidence the account was XXXX dollars and recalled on XX/XX/XXXX. This false information continues to negatively effect my credit score. 

As collection center inc has proof that this account was recalled on XX/XX/2019, I demand that this incorrect information is removed from my XXXX report immediately, or I will have no choice but to escalate to a higher authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In Q1 XXXX, I was informed that 'I ' defaulted on a private student loan taken out back in XXXX. The remaining balance was XXXX dollars. I paid the balance, but my credit report never reflected a paid-in-full status. I called the company multiple times, but they refuse to update the information. 

At the same time, they claimed I defaulted on another loan with a balance of about XXXX. This loan showed an origination date back in XXXX as well. The records they sent me indicated the loan was placed into deferment without my consent or knowledge when I went to XXXX  school in XXXX, and it was only after I graduated in XXXX that they approached me about the default status in Q1 XXXX. These documents also showed that they were not the real party of interest since they couldn't prove ownership after they purchased the loan from another originator. Yet, this item remains on my credit report after they closed the account with a collections/charge-off status, stopped reporting it, and sold it to another company that does not report this to the bureaus. The company refuses to remove the item. 

The company is XXXX. I've disputed this with Transunion and XXXX  multiple times, but they refuse to update the information.

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 2019-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: GA

Complaint narrative:
Greetings. Happy Holiday Season. Thank you very much for taking a little time to perhaps help assist me on this matter. Since XX/XX/2019 I have been diligently taking care of my personal financial obligations with respect to credit. I have been successful at taking care of my priorities. While taking care and finishing up things on my credit I come to learn that there were a couple of companies that I honestly do not recognize as mine and do not know who they belong to. I sent a each one of them all certified letters that is a formal notice that their claim is disputed. I requested Verification of debt or any proof for that matter. They all sent me the same type of letter suggesting the debt was mine without any real proof. I diligently sent a second letter asking how did they come about with that fallacious claim and by what method did they use to verify the debt or accounts being claimed in my name. They again failed to do this after 60 days of sending letters. So I tried another way to see if XXXX XXXX XXXX  or XXXX could help me look into the matter. I am humbly shocked to see that they are claiming this is mine without proof. I later learned that not having my signature binding me to any type of contractual agreement to pay them is in fact a violation. So Here it is XX/XX/2019. I am willing to take them into court for this however I am a humble somewhat modest individual who simply is seeking help from you guys now. 

Company 1 : XXXX XXXX XXXX saying I owe {$130.00} Account number XXXX**** XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX Company 2 : Bay Area Credit Service saying I owe {$860.00} Account number XXXX**** BAY AREA CREDIT SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: MI

Complaint narrative:
In XX/XX/2019, I called my mortgage company because I was starting to fall behind. They informed me that they could not offer me any options to help me. I asked them whether or not they had heard of XXXX XXXX Michigan ( my state 's hardest hits fund program ). They stated that they had not heard of this even though they are one of XXXX XXXX  's approved lending companies that they help with. They also told me that they frown upon me receiving outside help and it could hurt me in the future. Therefore, I was led to believe that a foreclosure was guaranteed and that because I had some late payments ( 10 days or less ) they were going to use that against me in the foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: CA

Complaint narrative:
I opened an account with Synchrony Bank ( through Guitar Center ) in XX/XX/2018. I never received my card in the mail, so I called to inquire and was told that I would be sent another one. A few months later, I noticed that this account was reported as " closed '' on my credit report. I have started a dispute twice with Synchrony, who insists that they were correct in reporting my account closed because they had to send me a second card. I don't understand how this could possibly be correct. Even if a lost card was tantamount to a closed account, THEY are the ones that lost my card, so I don't understand why I should be punished for that. My credit score went down because of this inaccurate reporting and I'm very frustrated by the fact that they don't seem to actually be doing any investigating.

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 2019-11-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I never received a letter or email to have the chance to dispute or verify the validity of this debt.i started receiving phone calls and my family,, threatenting to have a person show up at my job to serve me papers.and was told a warrent for my arrest. Will be issued because i wrote a bad check .no options to make payment arrangments.had to close my checking acct.i had to change my phone number..i was never given to option to explain what happened .the reason that i was unable to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: TN

Complaint narrative:
my granddaughter and I rented an apartment at XXXX XXXX   XXXX. in XXXX  as she was going there for college. We trusted the girls that showed us a one bedroom apt , as they did not have a 2 bed 2 bath open at the time. We paid and put one on hold as we had to get back to XXXX. We were notified that apt , was  ready for move in on XX/XX/19 and they suggested we sign lease etc.online. we did what was asked of us when we arrived I signed more papers for them without seeing the apt . the girl then took us to a filthy apartment that had not been cleaned and smelled terrible. ( I have pictures ) We were told the cleaners were on vacation. As I tried to give her the keys back I was informed that we would have to buy out of the lease which would be $ XXXX.if paid that day. Now I check my credit and they have said we owe them more.I had given them over XXXX already. I reported them to XXXX consumer protection division fraud department They sent me a notice on XXXX XX/XX/19 letting me know there was no response from XXXX  XXXX  and I would have to contact small claims court with an attorney. I am a sick XXXX year senior on a fixed income trying to help my decesed daughters child get to go to college and we were took advantage of by these girls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
new car loan XX/XX/XXXX. Usurious rate of 26 %. Interest on top of interest penalties for late payments. After 30 months with this loan, I have PAID {$12000.00} on a {$17000.00} loan and the loan principal has been decreased by {$1500.00}. I have spoken to numerous reps over the years and no one has done anything other than give me a few months no-payment to catch up but of course added those months onto the end of the loan. 

I had a bounced check in XX/XX/XXXX that I was unaware of, and even though I was making monthly payments every month, on time, they charged me late fees every month for many months going forward because I did not realize there was one missed month so they considered all those months late. 

AGAIN, I have paid Santander {$12000.00} on a {$17000.00} 72 month loan and they have reduced the principal by exactly {$1500.00}, which still leaves me after 30 months with an outstanding loan of {$16000.00}. Which means I am being ripped off for outrageous amounts of interest. Since XX/XX/XXXX I have paid on time every month, even made additional payments to catch up, and now I am in serious financial hardship and will have no choice but to go bankrupt, almost completely because of this bank 's practices. 

Special thanks to Santander 's partners at the XXXX dealership who took advantage of a naive first-time car buyer with a weak credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent letters out several times letting each credit agency know that they are reporting inaccurate information on my credit reports. They are reporting names and address that need to be deleted or removed from my report. 

my full legal name is XXXX XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX. XXXX CA XXXX my birthday is XX/XX/1982 please update and remove all inaccurate information from my report. 

Please remove all other names and addresses that I have never lived at. XXXX XXXX XXXX  XXXX CA XXXX. I have never lived at this address.

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 2019-11-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I was never notified to verify to verify the validity of this debt..My insurance policy was up for renewal i decided to go with a different insurance company.and never should have been billed for new charges.and i still today have the same insurance company that i changed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent letters out several times letting each credit agency know that they are reporting inaccurate information on my credit reports. They are reporting names and address that need to be deleted or removed from my report. 

my full legal name is XXXX XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX. XXXX CA XXXX my birthday is XX/XX/XXXXplease update and remove all inaccurate information from my report. 

Please remove all other names and addresses that I have never lived at. XXXX XXXX XXXX  XXXX CA XXXX. I have never lived at this address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: MI

Complaint narrative:
I have disputed three ( 3 ) accounts with XXXX   Experian and XXXX  on four ( 4 ) different occasions. Each of these accounts are false/inaccurate and each credit bureau has not corrected the issue. 

1. XXXX 2. XXXX XXXX 3. XXXX XXXX  These are multiple violations of the fair credit reporting act.

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 2019-11-02 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: MI

Complaint narrative:
I have disputed three ( 3 ) accounts with XXXX   XXXX and Transunion on four ( 4 ) different occasions. Each of these accounts are false/inaccurate and each credit bureau has not corrected the issue.

1. XXXX 2. XXXX XXXX 3. XXXX XXXX These are multiple violations of the fair credit reporting act.

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 2019-11-02 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: MI

Complaint narrative:
I have disputed three ( 3 ) accounts with Equifax, XXXX and XXXX   on four ( 4 ) different occasions. Each of these accounts are false/inaccurate and each credit bureau has not corrected the issue.

1. XXXX 2. XXXX  XXXX 3. XXXX XXXX These are multiple violations of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: MI

Complaint narrative:
XXXX XXXX and Transunion have been sent 3 three disputes about the inaccurate accounts : 1.  XXXX XXXX 2. XXXX These inaccurate items do not give me a fair and accurate credit report according to the Fair credit reporting act.

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 2019-11-02 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: MI

Complaint narrative:
XXXX, Equifax and XXXX have been sent 3 three disputes about the inaccurate accounts : 1. XXXX XXXX 2. XXXX These inaccurate items do not give me a fair and accurate credit report according to the Fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: MI

Complaint narrative:
Experian, XXXX and XXXX have been sent 3 three disputes about the inaccurate accounts : 1. XXXX XXXX 2. XXXX These inaccurate items do not give me a fair and accurate credit report according to the Fair credit reporting act.

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