vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citi / AAdvantage Platinum Select-0011 Disputing membership fee and late fee charges due to terrible customer service. 

Issue : I called to dispute on XX/XX/XXXX - the customer service said that they can only waive one late fee in their system, not two. However, the late fee was never supposed to be posted in a first place, which they admitted because they have a note in their system. I request a full refund, including my membership fee of {$99.00} ( XX/XX/XXXX to XX/XX/XXXX ). 

Membership fee XX/XX/XXXX to XX/XX/XXXX was due XX/XX/XXXX Paid on XX/XX/XXXX - the late fee was waived, Citi has a note about it in their system Late fee {$29.00} and interest {$1.00} were charged on XX/XX/XXXX. I thought it was a mistake. 
Another Late fee {$30.00} interest {$0.00} were charged on XX/XX/XXXX. 

Citi indicated they can only waive one late fee, their system does not allow to waive both. However, it is their own fault for failing me as a customer.

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 2021-10-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE

Complaint narrative:
In XXXX I short sale my home due to the market crashed. It was short sake through the XXXX program they had for XXXX families. I had a Home Equity Line of Credit and USAA had agree to release the lien because they took the settlement of about XXXX dollars. However few months later they froze my bank account and said it was due to non payment on the HELOC. They wouldnt unfreeze my account until we agreed on the remaining balance to be transferred into a unsecured loan. I had filled few complaints before and was told they will put derogatory Information on our credit report. Being in the military you can lose your job. Now the loan has been paid in full. However I received a letter in XX/XX/XXXX due to a recent audit the previous agreement was honored and remaining balance will be waived and credit report will be restore. Since they did not honored the previous agreement she forced into a loan. I had asked for the money I paid after the original settlement agreement. I keep getting the run around with no answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I used my Citi credit card to purchase various in game items for an XXXX game. However, the game developer restricted my access to the account I used to play with and is not responding to any communication when trying to resolve the issue. I no longer have access to anything I paid for in the game. I tried to give Citi a call to dispute the transactions but there are so many charges they asked me to fax them a list. I am not sure how to fax so I am hoping I could deliver the list via CFPB and have Citi take care of the dispute.

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 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 2021-10-15 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: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
1. ) On my XXXX credit report it shows mortgage loan origination with LAKEVIEW LOANCARE as XX/XX/2021 ; when in fact, my mortgage was transferred from XXXX XXXX to Lakeview Loan Care on XXXX XXXX! 
XXXX does not show my XXXX nor does it show that XXXX transferred my loan to Lakeview Loan Care. IT ALSO SHOWS ON XXXX THAT I WAS DELINQUENT IN MY XX/XX/2021 mortgage payment which I paid to XXXX Mortgage on XXXX my XX/XX/XXXX! 
2. ) My XXXX credit report shows a Lakeview Loan Care Mortgage as origination date of XX/XX/2021 when it should be XXXX XXXX! 
3. ) My XX/XX/XXXX credit report shows a Lakeview Loan Care Mortgage origination date of XXXX XXXX when it should be XXXX XXXX. 
4. ) I have never been late in ANY MORTGAGE PAYMENT as proof from my account with XXXX XXXX who forwarded my payments to Lakeview Loan Care in what they say was a timely manner. However Lakeview didnt post my XX/XX/XXXX and XX/XX/XXXX mortgage payments until XXXX XXXX! Shame on Lakeview for reporting incorrect information to credit reports and damaging my excellent credit and doing it within 60 days of my mortgage loan transfer violating 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 2021-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion is reporting via 3rd Party ( reported to be XXXX ) a Chapter XXXX Dismissed Bankruptcy allegedly report to be in XXXX, XXXX. I contested this reporting directly with TransUnion in writing ( XX/XX/XXXX ) and they responded that it was reported by a 3rd Party ( XXXX ) to them. I then filed a Complaint ( XX/XX/XXXX ) in writing directly with XXXX after being told this was the reporting 3rd Party by TransUnion. Initially they gave me the " round around '' asking for identifying personal information that they had already been provided. I provided this info again as well as filed a Complaint ( XX/XX/XXXX attached ) against them with the NC Attorney General 's Office Consumer Protection Division. XXXX  then responded that the contested Bankruptcy information had been deleted from my file with them. I then in writing ( XX/XX/XXXX ) relayed that information along with another contest of the reporting to TransUnion and included the document ( attached ) from XXXX stating that the Bankruptcy filing had been removed from my file with them. TransUnion as a result started a " new '' Dispute investigation and on XX/XX/XXXX notified me that it was complete and the the 3rd Party had " verified '' the Bankruptcy information. That's not true or possible as XXXX themselves verified in writing that the information had been removed from their files just two weeks earlier. 

In addition the Federal Bankruptcy Clerk of Court as per US Bankruptcy Court Policy does not verify or report bankruptcy cases to any credit bureau 's or other such 3rd Party 's.

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 2021-10-15 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: GA

Complaint narrative:
I have been trying to get the following accounts removed from my credit report. I sent a certified letter requesting specific information on XX/XX/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 2021-10-15 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: GA

Complaint narrative:
I have been trying to get the following accounts removed from my credit report. I sent a certified letter requesting specific information on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I spoke with company to pay off this collection. They agreed to delete the paid collection once I paid it off. I have paid them but the collection is not deleted.

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 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
From Macys Furniture on my Macys American Express card. Original purchase of XXXX XXXX XXXX XXXX XXXX set including Queen size bed, nightstand and dresser. Sales check # XXXX for a total of {$2100.00} on XX/XX/2021. On XX/XX/XXXX, Macys had XXXX of XXXX sale on this bedroom set and the price was adjusted to {$1300.00} for the queen bed, nightstand and dresser plus tax and s/h. Currently Macys is charging me {$790.00} for a dresser {$1200.00} for a bed, and {$920.00} for a chest which I did not receive. Furniture delivered Around XX/XX/XXXX. I have spent hours on the phone with Macys and each time they have assured me that this situation was resolved. I just received my new Macys statement and they are still overcharging me by {$1500.00}. I just spent another 45 doing a chat and he then dropped my chat.

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 2021-10-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FC HoldCo LLC
State: GA

Complaint narrative:
I noticed this company reporting a debt on my credit report. I don't know who this company is or even engaging in any business with them. I asked them to verify who they are, which contract I signed for what good or service which they provided to me and dates. They have yet to send me any valid information or method of such.

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 2021-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
I have been a customer of Navy Federal Credit Union ( NFCU ) since about XX/XX/2021. I have had minimal issues until XX/XX/2021 at which time a representative thought I was a female attempting to access my own account and I had to prove my identity. On XX/XX/2021, I attempted to purchase food at a restaurant and was unable to as my debit card and NFCU issued credit card were both declined. I assumed there may have been a fraud alert that placed a hold on my account. I attempted to login to see if it could be resolved via the app and it could not. I spoke to a representative regarding the issue and she stated the notes said that the account was opened fraudulently and they will be closed. I was unsure of what would have caused this, so I asked to speak to someone regarding this and I was advised to call back at between XXXX and XXXX ET. I called back on XX/XX/2021 and spoke to 'XXXX ' in the 'Security Operations ' department. She stated that the accounts were put in a permanent restricted status due to the fact that the accounts were opened by means of Identity Theft. This is not the case as I am a victim of identity theft, so much so that my Social Security Number was cancelled and reissued in XX/XX/2021 as a result of identity theft. I had explained this around XX/XX/2021 to the representatives. I believe there is no logical reasoning behind the closure of the accounts, Further I was advised that they may hold the active funds in the Checking, Saving, and Security for the Secured Credit Card up to 2 years which seems illegal. I have exhausted all attempts to resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
XX/XX/2021 CAVALRY PORTFOLIO SERVIC Collection were started from XXXX which i disputed and also sent letters that this account was fraudulently opened along with a signed police statement letter that this was also fraud. Company said that this account was verified which they were unable to send proof that i signed anything or proof that anything was sent to me that was purchased. I want this removed as well as the collections company they sold that debt too removed from my credit report asap because i disputed this multiple times and at this time it is credit harassment. 

Credit company has addresses that I have also never lived at on my credit report like 1. XXXX XXXX XXXX XXXX XXXX has wrong name. 
1.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: OH

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been trying to get the following accounts removed from my credit report. I sent a certified letter requesting specific information on XX/XX/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 2021-10-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
During the beginning of the COVID-19 pandemic, I was paying my loan, as I was receiving the federal plus-up for my XXXX-induced unemployment. Once the federal plus-up ended, I was no longer able to make payments, So I went back to school to get my XXXX, and XXXX XXXX XXXX ( XXXX ), my former loan servicer, told me I could get it deferred while I was in school. They continued to lead me on until they placed the loan in default, and then told me they could no longer defer it, and then sold it off to another company ( Transworld Systems ), who is now asking for the payment in full, and harassing my XXXX year old grandmother for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I purchased optical equipment that turned out not to be compatible with my equipment. After several discussions with the vendor, he agreed to issue an XXXX and I returned the equipment. I have proof that the gear did indeed go back to him in that I have the XXXX tracking number and the receipt showing that the delivery was insured. 

My bank, Chase, has come back after 5 months and rebilled me for the equipment and wants me to pay for the gear because they say the vendor 's bank is refusing to issue the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: GA

Complaint narrative:
I contacted Discover to get my account current and up to date on XX/XX/XXXX. Was advised by first agent that he needed to transfer me over to another agent to have a new card sent. This is after I had placed a XXXX payment. Then the next agent advised would have to contact next day after payment post to get new card. So of course I reach out on the next day XX/XX/XXXX and speak to another agent who advises that my account is closed and a new card can not be sent. This clearly could have been shared by the first two agents on XX/XX/XXXX. But instead they chose to take my money and not advise me of account closure and led me to believe this would make my account current and I would be able to get a new card sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have disputed for 4 months with no results XXXX rights being violated as a consumer. I found multiple inaccuracies and FCRA violations which i brought to each bureau 's ( Transunion, XXXX and XXXX ) attention and Not only did they not delete these accounts but they never sent me a response at all within 30 days after receiving my disputes. 

I have attached the accounts with all the violations listed with pictures of these as well. 
According to THE FCRA these accounts must be deleted but for some reason these companies think that they're above the law and dont do what is required of them. 
These accounts are creating damages in my personal and financial life due to their false reporting and I need it fixed immediately please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: PA

Complaint narrative:
As of today the collection is still showing on my XXXX report as open and active. I contacted XXXX and they said they have not received anything from the collection agency that the debt was reported to them on XX/XX/XXXX as open. I have attached the proof of documents.

Company response to consumer: Closed with explanation