vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-31 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: PA

Complaint narrative:
I set up an account with Gemini over a month ago. Around XX/XX/XXXX. I have been waiting to get verified with them for over a month now and until i get verified I cant withdraw my money thats on my account with them. Ive emailed them numerous times and i get no response. My money is locked onto there platform until Im verified and they have given me 0 responses. Feels like Im getting ripped off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CHECKredi of Kentucky, LLC
State: WY

Complaint narrative:
Company failed to provide written notification of debt. Claims they " emailed '' a written notification but never received. Have included excessive predatory additional charges that they are attempting to collect outside of the fact they already collected the original amount. Representatives are abusive and abrasive via texts and phone calls, deny making excessive phone calls throughout the day even though excessive calls were made. Provides no means to dispute the debt and threaten to place this debt on my credit report with no means to dispute it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: WA

Complaint narrative:
XX/XX/2019 I bought a lawn mower from Home Depot. I was told by the clerk if I opened a Home Depot credit card account I would not be charged any interest for 6 months. When the 6 months was passed I was charged {$350.00} in interest. I had no idea that if I didn't pay the card off in the first 6 months I would be charged that kind of interest for the first 6 months. What a CON job! I '' m single, retired and on a fixed income and would never of opened this card if I would have known this would happen. It should have been explained to me. Maybe the clerks get a bonus for getting naive people like me to open accounts. I called Home Depot and complained but they just blew me off. I asked if I would get a responce from Home Depot and was told probably not. That was a few months ago.

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 2021-03-31 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: MI

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was advised months back that once I pay 6 consistent payments on time that my account would become unrestricted. I have made 8 on time payments and the account is still restricted. Upon calling in today I was advised that the account is currently open however it still restricted and they leave it to the customer to close the case. Which is inaccurate because Capital One unrestricted my business account as well as my sons card. I was also advised that I was unable to use my rewards points because of the account restriction. The representative was rude and unwilling to get to the problem of concerns. This is unacceptable and so was the representative attitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: AZ

Complaint narrative:
So last year XX/XX/2020 Is rep called harassing my XXXX old daughter who answered my phone while I was busy. A few days later they called back I answered and the rep was accusing me of false information said I needed to pay then, was laughing and saying she would keep calling. Got a call XXXX XXXX with a rep telling me to borrow money and its a shame I havent paid them off in 2 years

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: Patenaude & Felix A Professional Corporation
State: PA

Complaint narrative:
Back in XX/XX/XXXX, reached an oral settlement with XXXX bank over a credit card dispute. 
On the check was written payment in full as per settlement. However, instead of cashing check the check was converted to an electronic format by payee. 
In XX/XX/XXXX received an invoice from XXXX  bank so sent a certified mail letter advising this was disputed and asked them to check notes of phone settlement conferences that were held in XXXX XXXX and XX/XX/XXXX. 
In XX/XX/XXXX XXXX and XXXX, law office sent a letter regarding this debt and they ignored the written response and have filed a complaint in magistrate court which is scheduled for next week.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: FL

Complaint narrative:
Hi, I would like to tell you that I have a terrible situation because I found strange accounts in my credit report. For sure these accounts are not mine and I filed a report of identity theft because I was hacked by someone and they stole my personal information. In some time these accounts appeared so please I kindly ask you to apply investigation and check those accounts. Also it would be nice if you can take them away/ delete from my credit profile because its not fair to have them due to fraud. Its not my mistake or fault so please remove them and thank you for understanding. 

Have a great day!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: GA

Complaint narrative:
I had a dispute with XXXX regarding a My XXXX XXXX Visa credit card account ending in XXXX. XXXX filed suit against me in the State Court of XXXX County and the case was settled out of court before trial. XXXX agreed to remove this account from my credit report. I submitted a dispute with Experian and the supporting documents from XXXX XXXX attorney of where XXXX agreed to remove the account. I received the results back today and the item remains on my credit report and Experian refuses to remove the account from my credit report even though the creditor agreed to remove the account from 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 non-monetary relief
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Premier Auto Credit
State: CA

Complaint narrative:
This debt company XXXX XXXX XXXX is misrepresenting the amount owed, and this collection was resold by XXXX Premier Auto Credit XXXX after being closed. This was a lemon vehicle that was sold to me in 2015 and caught fire with me and my children in it due to problems on it the dealer wouldn't fix. thankfully we got out safe, but the finance company still charged me for the car that caught fire a year later. 

They are harassing me with this collection that should fell off my report after 7yrs, here it is 7yrs later and they are still harassing me and reselling it to other collectors to harass me. The lemon car catching fire with my family in it was traumatizing enough now they harass me more. Its stressful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: FL

Complaint narrative:
Good evening, Upon checking my credit report i noticed a handful of fraudulent accounts and inquires on my credit report. II have never had any contact with theses banks on my credit report. Also, I noticed my date of birth is incorrect. I was born in XXXX. I was not born in XXXX. I do not know who these account belongs to but it does not belong 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 explanation
Consumer complaint received 2021-03-31 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: FL

Complaint narrative:
Good evening, Upon checking my credit report i noticed a handful of fraudulent accounts and inquires on my credit report. II have never had any contact with theses banks on my credit report. Also, I noticed my date of birth is incorrect. I was born in XXXX. I was not born in XXXX. I do not know who these account belongs to but it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
They refuse to provide original documentation. I have disputed this debt with three credit bureaus. Specifically XXXX and they keep claiming this debt is accurate. It is not accurate. I went on XXXX in XXXX XXXXnd I settled all my debts. The original XXXX XXXX cancelled my debt due to XXXX. They can not legally resurrect a debt simply by assuming it. This debt was cancelled and are attempting to extort a XXXX veteran for money with the help of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent a dispute to Equifax by US certified mail ( received on XX/XX/2021 ) in full detail explaining that they are reporting information that is incorrect on my credit report. I included a copy of my XX/XX/XXXX. driver 's license ( proof of ID ) and a copy of my water bill ( proof of residence ) as required on Equifax 's website in disputing incorrect information. On XX/XX/2021, Equifax sent me a notice that they were unable to locate me with the information that they initially requested I send to them. Equifax is delaying the process of investigating my dispute within 30 days by requesting frivolous information that has already been submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: HI

Complaint narrative:
Last XXXX I received a bill statement regarding my credit card more than my credit limit which I never never use yet my card. I only activated in the computer. But all of the sudden I had bills already and the one who used my card was from XX/XX/XXXXXXXX so I called them right away to report and dispute this account but still nothing happened until this problem becomes worst that even my daughter was involved were she really said that she didnt order online but this companys one of the investigator keep on insisting that my daughter ordered online but to find out that those items that was delivered to us to our address was not being received. We verified to our manager of our building but he said no items delivered and noted. We also calledXX/XX/XXXX and USPS to verify everything coz I took the tracking numbers of the items being purchased but they said no building number but this companys investigator insisting that the same address was shipped. But all the item we didnt received. Then I keep calling them cause I was worried about my account coz its getting higher snd higher the amount. And I find out that they send me a new card but the question is I didnt receive that card. I closed my account but one of the staff said that someone is trying to reopen my account. I dont know what I gon na do. Honest to XXXX I didnt use yet my card. Thats why I need help coz this company especially that one of the investigator is not helping but rather hes putting me down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I have an american express XXXX XXXX XXXX card that was promised an companion ticket that I could use for any domestic flight anywhere in the USA that XXXX XX/XX/XXXX. There was no disclosure on the advertising on what if any restrictions applied to this companion ticket. I called twice, my wife also called before we purchased this card and talked with different representatives of american express both times and they all stated that there would be no restrictions on the companion ticket as long as it was used in the continental USA. They also all stated that we would get a companion ticket the first year that we had the card, which after we paid the XXXX dollars they stated that oh no, we get that companion ticket our second year. I stayed for a second year because they had refused to refund my money, after another XXXX dollars they sent me my companion ticket which come to find out is riddled with restrictions. You can only fly certain " grades '' of flights which are around XX/XX/20 flights that they offer. Its a joke and I would like to get all my monies back that I paid for this ridiculous scam of a card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/2021 Paypal deducted {$1300.00} USD from my PayPal account. 

With the following message : {$1300.00} USD ; PayPal Posting Date : XX/XX/2021 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 

But the problem is that I don't know what exactly Acceptable Use Policy I violated and they refuse to answer specifically what I violated that gave them the right to debit that amount of money from me. Without a specific explanation I am unable to see if I truly owed them this money or if it was stolen from me. PayPal refuses to answer questions with specific answers, instead the speak in generalities like " Acceptable Use Policy Violation ''. 

I want someone from PayPal to call me at XXXX and explain to me specifically what I did to authorize them to deduct {$1300.00} Paypal has ZERO real customer service and I have the documents to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XX/XX/XXXX vehicle was repossessed and kept unattended with windows left down during rainstorm then immobilized due to improper business practices. Ive requested for Santander to dispute this claim with their tow vender & have simply stated that they deny. If damage is done to the vehicle then they should pay compensatory damages to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: HI

Complaint narrative:
FedLoan Servicing is undercounting my payments toward Public Service Loan Forgiveness. I have been trying for nearly FOUR YEARS to have this corrected and it still has not been. 

My federal student loans, which were originally being serviced by XXXX XXXX, were removed from deferment in XX/XX/XXXX XXXX because I graduated in XX/XX/XXXX ). On XX/XX/XXXX, the loans were transferred over to XXXX from XXXX XXXX without my consent. At the time of transfer, the loans were on an Income Based Repayment Plan with a payment amount of {$0.00}. 

The loans were subsequently transferred from XXXX XXXX to FedLoan Servicing -- again without my consent. At some point after this, the {$0.00} payments that had been recorded and previously counted toward PSLF from XX/XX/XXXX through XX/XX/XXXX were converted from " eligible '' to " ineligible '' payments on XXXX of my loans. The denial reason listed in the PSLF payment tracker is " You Do Not Have A Bill Due For This Payment Period ''. However, I did have a bill due ; the monthly payment amount required was {$0.00} under the Income Based Repayment plan ( due to how low my income was XXXX. 

Per https : //studentaid.gov/manage-loans/forgiveness-cancellation/public-service/questions : " If my scheduled monthly payment under an income-driven repayment plan is {$0.00}, does each month during which my payment is {$0.00} count toward the required 120 separate, monthly payments? 
Yes. Any month when your scheduled payment under an income-driven repayment plan is {$0.00} will count toward PSLF if you also are employed full-time by a qualifying employer during that month. '' All loans have always been paid in one single auto-debit from my bank account and PSLF loan counts for all should be the same. I provided a verification letter from XXXX on XX/XX/XXXX stating that my loans were on an Income Based Repayment plan with a {$0.00} payment at the time of transfer, and the counts still have not been corrected. Loans # XXXX, XXXX, XXXX, XXXX, and XXXX in my account need to be reviewed and the payments that are currently being counted as " ineligible '' from XX/XX/XXXX through XX/XX/XXXX need to be updated to " eligible ''. 

I have called and emailed FedLoan Servicing over 20 times in the past four years trying to get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 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: GA

Complaint narrative:
I had a dispute with Citibank regarding a My Best Buy Visa credit card account ending in XXXX. Citibank filed suit against me in the State Court of XXXX XXXX and the case was settled out of court before trial. Citibank agreed to remove this account from my credit report. I submitted a dispute with XX/XX/XXXX and the supporting documents from Citibank 's attorney of where Citibank agreed to remove the account. I received the results back today and the item remains on my credit report and XX/XX/XXXX refuses to remove the account from my credit report even though the creditor agreed to remove the account from 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 2021-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have been a TD bank customer for several years, and held both checking and savings accounts with them. On three separate occasions since XX/XX/XXXX, my checking account was broken into, and the account was closed and flagged by the TD Bank fraud department. I was required to obtain new bank cards each time. 

On XX/XX/XXXX, I received a " spoof '' call from a TD Bank number stating that once again my account had been compromised. I was asked verification information, and believing the individual with whom I spoke to be a bank employee, I provided requested information. Somehow the perpetrator was able to obtain access to my phone through this information and transferred {$10000.00} via XXXX to an unknown individual ( named XXXX XXXX in XXXX XXXX, California XXXX. This was not authorized by me- rather someone broke into my phone. I discovered that I had been a victim of fraud/identity theft after I went to a local TD branch and found out they had never called me. 

I timely filed a complaint, but TD Bank refuses to refund my money stating that I authorized this transaction. When I said I was a victim of fraud, a customer service manager told me that the bank does not provide protection to fraud victims. She refused to provide her name or the name of anyone above her. I have never heard of a bank treating their " valued customers '' in such a callous manner.

Company response to consumer: Closed with explanation