vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-21 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: CITIBANK, N.A.
State: WI

Complaint narrative:
In early XXXX I opened a XXXX credit card account which was serviced by XXXX XXXX. I made purchases and paid my bill on time. In XXXX, Citibank took over some of XXXX credit accounts. I did not make any purchases after Citibank took over my account. I continued to make payments through the same portal I had been using for months, through XXXX. In XX/XX/XXXX, I paid the remaining balance in full. Ive been contacted numerous times by Citibank saying that I owe hundreds of dollars that Ive already paid off through XXXX. These charges include multiple late fees and interest charges. Ive tried contacting Citibank, but was told I have to get my money back from XXXX so I can give it to Citibank. From a consumer point-of-view this is very confusing. It was very hard to get in touch with a representative as they only offer a customer service phone number, no other way to solve this miscommunication. I dont think this is an error on my part. I owed money to a company that I borrowed from, and I paid it back. It seems that Citibank and XXXX do not have an effective plan in place for how to professionally handle the accounts transition. Citibank is now reporting to credit bureaus that I owe money. I never even made any charges on the account since Citibank took the account over. These two companies need to get together and share information. Citibank is now harassing me and incorrectly reporting a balance due which is devastating my credit which Ive worked for the past three years to rebuild.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I received money on PayPal from my friends. They were just helping me out and PayPal assumed I was conducting business on their platform and I wasn't. I'd like my account to be restored as I need it now and cant wait 180 days it's too long. My PayPal account email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I was the co-buyer on a XXXX XXXX purchased on XX/XX/XXXX from Santander Consumer USA. I had a high interest rate of XXXX the truck was financed for {$29000.00} and I put down {$3500.00}. And was to pay {$640.00} a month for 72 months. Totaling {$50000.00} if paid in full. I believe my application was manipulated and an internal score was used instead of my credit score because there was never an inquiry on my credit report from Santander which I find very strange. I paid {$160.00} weekly for 14 months straight with no late payments. The buyer then decided to take the vehicle from me in XX/XX/XXXX for her own selfish reasons and fell delinquent on the account I tried countless times to resolve this matter with Santander, but they wouldnt allow me to do anything on the account. They allow the buyer to keep the vehicle for a whole year without making any payments and also allowed her to get an extension without my consent. The vehicle was finally repoed in XX/XX/XXXX and auctioned off leaving a balance of {$4500.00} of which they say I owe and I dont think its fair to me as a consumer to have to pay this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Andrews & Cox, P.C.
State: IN

Complaint narrative:
XXXX XXXX XXXX a financial institution has violated the following U.S codes U.S.C 15 U.S. Code 6801 - 6809 and did not adhere to the FDCPA ( Fair Debt Collection Practices Act ) guidelines. 
by providing my personal and private information to a third party debt collector Bleecker Brodey & Andrews who has filed suit against me in the county I reside without providing me a validation of debt per my request, intentionally providing false, deceptive documents to the XXXX County courts in order to legally obtain a judgment against me for a debt that has not been established as my own and differing amounts requested to resolve the debt. I have received a document requesting an amount with the addition of {$190.00} USD in filing fees which does not coincide with the balance stated to be owed after speaking with the agency which contacted me, I have been unable to receive any documentation/ paperwork from the third-party debt collector XXXX XXXX is using, the accounts listed in the court summons I have received are not that of my own. As of XX/XX/2021 I have still not received any literature from my validation of debt request and have since disputed the alleged balance owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21 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: TX

Complaint narrative:
I have attempted to dispute the claim for XXXX XXXX XXXX. It is listed on my credit report without an original creditor and it lists terms. I did not have contract with this company and I have not been provided documentation showing how I owe this company. It is reporting a past due amount in which I found out is a violation of the metro 2 standard reporting due to this and no original creditor. No other information has been provided about this company. I have sent a letter once and another response to their updated response twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I purchased an appliance from Best Buy on a 3 yr no interest contract agreement. Best Buy did not fulfill the contract because the appliance broke and they were unable to replace it in a reasonable amount of time. I went 6 months without being able to wash my clothes. Best Buy didnt accommodate me at all for the amount of funds spent to do laundry in those months. While I still had no appliance Best Buy added interest to my account and raised my monthly fee although I was still making on time payments. After they raised the fee they reported late payments to my credit file. I have never been late in three years on this account. My credit report took a hit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Direct Recovery Services, LLC
State: DE

Complaint narrative:
I am having an ongoing harassment issue with XXXX XXXX XXXX doing business as DRS. they have repeatedly called family, friends, relatives, ex employers and current employers. Every number they have in their database they have called. i spoke with them, a woman who gave her name as : XXXX XXXX and a man who gave his name as simply " XXXX XXXX '' who refused to give me a first name. I asked them not to call my family or my employers, they told me they had the right to do so and would continue to do so. They have left messages in detail on answering machines and have caused me problems with family complaining about it to me. My ex supervisor called me to play the messages, which are insulting and humiliating. Worse of all i have no idea what they are collecting on. i have disputed information with them and the disputes go nowhere. When I call i am told they will continue to call because they have the right to do it and if I want to make the calls stop I have to pay them. 
This has gone on even after I called them on a recorded line on 3 occasions and asked them to stop harassing me and my family members,. I asked them not to call my job and definitely not to leave messages on any machines. All to no avail. 

XXXX has even called people in other states. Totally disheartening. I am looking into legal recourse, because not only will they not copy me on information in dispute now they are disregarding my numerous requests to have my privacy respected. my employment respected. 

I am asking this agency for oversight to this matter and nothing more. i am in need of assistance and have absolutely no confidence that this company will do the right thing. They have already shown me enough with their rude employees and worst practices to continue to navigate this problem on my own without outside assistance. Thank you kindly.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: WI

Complaint narrative:
In early XXXX I opened a XXXX credit card account which was serviced by XXXX XXXX. I made purchases and paid my bill on time. In XXXX, XXXX took over some of XXXX credit accounts. I did not make any purchases after XXXX took over my account. I continued to make payments through the same portal I had been using for months, through XXXX. In XX/XX/XXXX, I paid the remaining balance in full. Ive been contacted numerous times by XXXX saying that I owe hundreds of dollars that Ive already paid off through XXXX. These charges include multiple late fees and interest charges. Ive tried contacting XXXX, but was told I have to get my money back from XXXX so I can give it to XXXX. From a consumer point-of-view this is very confusing. It was very hard to get in touch with a representative as they only offer a customer service phone number, no other way to solve this miscommunication. I dont think this is an error on my part. I owed money to a company that I borrowed from, and I paid it back. It seems that XXXX and XXXX do not have an effective plan in place for how to professionally handle the accounts transition. XXXX is now reporting to credit bureaus that I owe money. I never even made any charges on the account since XXXX took the account over. These two companies need to get together and share information. XXXX is now harassing me and incorrectly reporting a balance due which is devastating my credit which Ive worked for the past three years to rebuild.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I attended XXXX XXXX in XXXX. I didn't attend the full 2 years of schooling due to me already having college credits that were transferrable. The school charged me for the full 2 year of tuition with outstanding interest. This school is now close, and I don't have any contacts to get anything resolved. I was wrongfully charged and severely defrauded by this institution. I can not advanced the way that I want to, or make the money that legitimate college graduates make. I still owe as much money for student loans as a person that went to a four year university. This is highway robbery and so unfair to innocent people like myself. I have struggled for years trying to make payments on these loans, and I haven't made a small dent in anything. The interest is so high that I'm paying pennies on the dollar on the principle of the loan itself, and the bulk is going on interest. The total loan that I still owe is over {$38000.00}, in which I have been paying since the year of XXXX until now. The interest on this loan is just that much! This is outrageous! This school has been closed down for years now, so there is no one who I can contact to try to resolve this matter. I have tried making all kinds of arrangements with my loan officer, but nothing is working for the betterment of me and my family. I believe that I should be forgiven for these loans completely, because I have been mislead, taken advantage, and completely defrauded by this unprofessional for-profit institution. I know that I'm not the only person that is in this situation with the same institution. Please help me with this major situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
I have two negative collections accounts on my credit report from Simons Agency Inc. One in the amount of {$520.00} and another for {$690.00}, both said to have been from XX/XX/XXXX. I sent a request to Simons Agency Inc to validate this alleged debt through certified mail on XX/XX/XXXX. It is now XX/XX/XXXX and I have not heard from the collection agency or received and form of validation for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: EQUIFAX, INC.
State: KY

Complaint narrative:
On XX/XX/2021 I filed a dispute with equifax and as of today, XX/XX/2021 they have yet to update or send any verification letter. Confirmation number of dispute with Equifax is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I recently received a letter saying I owe {$770.00} to XXXX. I settled this as outstanding amount about 4-5 years ago with this company that is trying to recharge me again ( Convergent is the company ) Im not paying them a dime when I have all the evidence I need I paid this amount and Its cleared. This company should be closed for good trying to steal peoples hard working money!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
The Treasury/IRS sent {$1400.00} stimulus money to my Wells fargo checking account XXXX on XX/XX/2021. Wells still has not credited my account. I would take this directly to OCC but they say their site is down ( possibly inundated with Wells complaints ). 
Thank you, XXXX XXXX XXXX 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 2021-03-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Texas Guaranteed
State: TX

Complaint narrative:
Continues to report inaccurate information to the credit bureaus, which is effecting my ability to get credit and forcing me to pay higher interest rates ( up to 23 % auto loan ) I've ask for validation of debt owed which should include a signed contract between me and the company. they sent two unsupportive document that date 9 years apart. Would like to see the original instrument of indebtedness in its original form, along with the amount owed. To make things even worse, you can see that the account numbers are different across all credit bureaus. along with the original amount being different on each Bureau. It states that if You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
The bank is reporting to the credit bureau that my account has been affected by a natural disaster. I have not applied for nor received any assistance on my account and when I reached out to the bank they said that status would not affect my credit score. I feel the bank has received federal funds fraudulently and I have not divvied out any of those funds to its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2020, I mailed a letter about inaccurate accounts showing on my credit file and asked for an investigation. It has been almost four months and I still haven't received a response in the mail. This is way past the time that the FCRA allows!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
on XX/XX/XXXX at XXXX XXXX EST I returned a new unopened item at the XXXX store in XXXX XXXX Florida the return was uneventful with original receipt merchant issued credit and gave me a receipt verifying the same bluebird card bt American express is still holding my refund claiming they would credit the account yesterday XX/XX/XXXX XXXX calendar days they have not given me my money i called them 2 times they blame XXXX XXXX is not to blame and released the finds for the credit on the day of the original return XX/XX/XXXX bluebird is playing games with the law here

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-21 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: MS

Complaint narrative:
On XX/XX/2020, I mailed a letter about inaccurate accounts showing on my credit file and asked for an investigation. It has been almost four months and I still haven't received a response in the mail. This is way past the time that the FCRA allows!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: MS

Complaint narrative:
On XX/XX/2021, I mailed a letter about inaccurate accounts showing on my credit report and asked for an investigation. It has been 2 months and I still haven't received results of an investigation and these unverified accounts are still showing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: MS

Complaint narrative:
On XX/XX/2021, I mailed a letter about inaccurate accounts showing on my credit file and asked for an investigation. It has almost been two months and I still haven't received a response in the mail. This is way past the time that the FCRA allows!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: NE

Complaint narrative:
I, XXXX, a federally protected consumer has been abused during this unfortunate time of the pandemic by Chex Systems Credit Reporting Agency. Chex System has repeatedly tarnished my name and destroyed my reputation over and over again. I have attached exhibit A green return receipt showing that I have tried to resolve this matter with them. According to 15 USC 1681 ( a ) ( d ) ( 2 ) ( a ) ( i ) a consumer credit report shall not include transactions or experiences between consumers and furnishers. Chex System has quite a few transactions between myself and different furnishers clearly violating this federal law and destroying my family. The Federal Credit Reporting Act was put in place because the banking system is depending on fair and accurate credit reporting. Chex System has breached my privacy by sharing unfair and inequitable information about me to different companies without my written consent pursuant to 15 USC 1681b. I am seeking justice and my remedy to be answered and acted upon accordingly with my direction. This is a warning.

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