vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-29 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: Burns Auto Credit, LLC
State: NC

Complaint narrative:
I have repeatedly disputed incorrect payment history on my account. It keeps reading every month and has been charged off since XX/XX/2014. Somehow they keep saying that I am making payment and then going in to collection in an effort to renew the debt and keep my score low. They refuse to remove the incorrect information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
RE : BANKRUPTCY ACCOUNTS NOT IDENTIFIED To Whom It May Concern : I received a copy of my credit report and the items listed below were included in a bankruptcy identified on my credit report. Please Remove the bankruptcy from my report and provide a copy of my court ordered bankruptcy. Please tell my how you are verifying this item belongs to me. 
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect discharge in bankruptcy. 
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at the address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Social Security # 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 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
RE : BANKRUPTCY ACCOUNTS NOT IDENTIFIED To Whom It May Concern : I received a copy of my credit report and the items listed below were included in a bankruptcy identified on my credit report. Please Remove the bankruptcy from my report and provide a copy of my court ordered bankruptcy. Please tell my how you are verifying this item belongs to me. 
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect discharge in bankruptcy. 
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at the address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Social Security # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX PROBLEM WITH BILLING CHARGES ON CREDIT CARD ACCOUNT ALSO XXXX XXXX HAS REPORTED THIS ACCOUNT AS NEGTIVE TO CREDIT BREAU EXSPERIAN WITHOUT DISPUTING OR FRAUDLENT INVESTIGATION THIS HAS BEEN REQUESTED BY CONSUMER

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 2019-01-29 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: CA

Complaint narrative:
I have tried to resolve multiple transactions disputes with Mastercard ( MC ) and the credit card issuer, Citibank ( Citi ). The resolution processes of both MC and Citi are inadequate - investigations are incomplete, do not address the correct issues nor consider relevant facts, and are designed to protect the merchants, banks and credit card issuers. I have pursued dispute resolution for more than 2 years, from XX/XX/2016 to the present. In XX/XX/2016, I conducted business with a merchant who conducted fraudulent sales, falsely representing his goods and breaching his own sales contract. Appraisal of merchandise has proved merchandise is not as represented. Merchant assured me merchandise could be returned, but then refused to accept a return of goods. Sales contract stated Certificates of Origin would be provided for goods purchased. These were never provided, despite multiple requests. Merchant intentionally contracted with customer under false pretenses.

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 2019-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
have been a victim of online fraud for the past 3 months and no one has been helping me in this process. 
A total of {$4300.00} was stolen from my bank account, using my debit card online. 
These charges were made using card number XXXX and XXXX. I bank with XXXX XXXX and they were informed of these charges. 
These charges were made, seemingly under the name Paypal. I called Paypal immediately following XXXX Monday and explained that I had noticed what looked like double charges or unauthorized charges on my account. They explained to me that I was going to be reimbursed and that these charges were going to drop. 
A very small number of these charges were put refunded and put back into my account, not all of them and then new charges started appearing. 
I've contacted Paypal multiple times and eventually, via XXXX one of their representatives told me to pursue my bank for these charges because they couldn't help me. 
I then contacted my bank. I printed and handed them the complete transaction list with all the unauthorized transactions marked out, a copy of all my Paypal activity page ( to compare with the authorize transactions ), a copy of my XXXX  activity and purchased Items page ( for comparison ), a cover letter explaining these charges. They kept all these documents for three days before calling me back to let me know that it was too much paper work and that they couldnt get it all done in time. 
I took the documents back and for the next four days I worked on completing out 114 dispute files and turned them in with my cover letter, another more recently copies of my Paypal Activity page, updated XXXX Purchased list, my police report information, a copy of the transcript of my communication with Paypal ( in which they tell me to pursue this through my bank ) as well as separate information and files about two other charges that were not Paypal related that I was disputing. and turned them in. 
After 13 days I contacted XXXX XXXX today and was told that my dispute was declined because the investigator had contacted Paypal and was told that they have been working with me on resolving this and that I would be refunded through Paypal directly. The XXXX XXXX representative also told me that I should receive a letter in the mail explaining that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have tried to order a Point of Sale device on on company 's website. At Check Out process they have an option get same device with Installment option which is about {$80.00} worth. In order to get that installment at same page it clearly says Fill in a few details below to confirm your identity. Instantly find out if your business can pay in installments. Getting your decision won't affect your credit score. And at the before Submit and Continue you have I have reviewed and agree to the Privacy Policy, E-Sign Consent, and Credit Authorization. So, believing their credit check will not affect my credit which is soft inquiry and i have moved on. Next morning when i woke up i have seen on my Experian Credit report a new inquiry as XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I have contacted with the company, they have stated to check eligibility is Soft Inquiry, if i am moving forward its an hard inquiry. I have not given them my consent to pull my full credit report. So the information they are giving is misleading. Applying and getting decision Soft Inquiry but when you get installment its hard inquiry. They have refused to remove hard inquiry from my report, i have contacted with Experian, they informed Consumer Financial Protection Bureau is in charge for these type of disputes.

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 2019-01-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have repeatedly disputed incorrect payment history on my account. It keeps reading every month and has been charged off since XX/XX/2014. Somehow they keep saying that I am making payment and then going in to collection in an effort to renew the debt and keep my score low. They refuse to remove the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
hello. My name is XXXX XXXX. I'm calling in reference to a fraudulent activity done on my online banking with Wells Fargo. The amounts were {$1800.00} and {$700.00}. The date this happened was on XX/XX/XXXX 2019.an ex-girlfriend of mine somehow got into my online banking account and transferred herself these two sums of money to her own account through the XXXX  app . I called the bank the same day after I saw an email so that my contact information was changed to her contact information. She must have gained access through this method. Wells Fargo denied me the claim because they thought I gave her my online banking information which was not true. I waited many days for them to resolution to simply be denied.I followed all the correct steps as far as a fraud case goes where I called in a timely manner close my accounts change my online information reopen new accounts and also filed a police report. My Wells Fargo claim number is XXXX. Also the XXXX city police report number is XXXX. I am upset that my bank will not retrieve my money from an unauthorized user fraudulently accessing my account.

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 2019-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
LOANCARE bought our loan XX/XX/XXXX. 
They have sent out paperwork saying we owe our monthly amount PLUS PMI. They ADDED PMI back to our loan. 
PMI was removed by previous XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

Emails have been sent. Phone calls on hold OVER ONE HOUR have been placed. Not contact is easy with this company. And after looking online at the company- of which we had no choice in taking our loan- has hundreds of cases like this. Tax numbers being wrong. Escrow accounts withholding and not paying out excess, etc. 
PLEASE REVIEW THIS COMPANY The idea of stressfully dealing with escrow every year or incorrect tax information EVERY year with these people make my physically sick with worry. They should not have this much power unchecked.

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 2019-01-29 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: Kriya Capital, LLC
State: IL

Complaint narrative:
I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to CREDENCE RESOURCE MANAGEMENT, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX AND XXXX XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. CREDENCE RESOURCE MANAGEMENT, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX AND XXXX  continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: ME

Complaint narrative:
I closed a CD on XXXX XXXX, 2018. I never received the money from Ally Bank. Repeated calls, completion of lost check form has not made a difference. 

I have been lied to several times. On three occasions I was told the check had been overnighted. Most recently I was told the money would be returned to my account and reissued. 

Ally Bank owes me {$200000.00}. No one at the bank has taken responsibility. 

My case number with Ally Bank isXXXX

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 2019-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened a new acct with XXXX XXXX per their offer in XXXX when I bought things here. The total charge was {$67.00} and it was due XX/XX/2018. I paid off this amount of {$67.00} on XXXX, knowing that I was late therefore a late charge will appear later, I called XXXX and asked to have my late charge waive as a one time courtesy. The lady who answered my phone was very helpful and said will do that for me. I assumed things should be ok by then, but when I got back XXXX XXXX in XXXX, checked on my mails and notice no late charge has been waived but on top of it is more late charges adding up to today ( almost a hundred dollars ). I then called again and spoke to a lady, explained the whole thing, after that she hung up my phone? I was frustrated and disappointed because I do like XXXX  XXXX. Please help. Thank you very much. XXXX bless. 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 monetary relief
Consumer complaint received 2019-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I found a new credit card on my credit report that I did not authorize. It was with Citi bank. It was supposedly opened on XX/XX/2019 reported on XX/XX/2019 with a limit of {$5600.00}. I never signed up for this card and have not received a card in the mail. I am worried that it might be identity theft.

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 2019-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc.
State: FL

Complaint narrative:
Today, XX/XX/19, a XXXX XXXX rip off scam company called me about a loan request I had made that they found online. They told me I was approved for $ XXXX {$10000.00} and I said I only needed the minimum amount of {$2000.00} which they then told me would be a fixed {$180.00} taken out of my account every month. I trusted that this was who they said they were and didnt realize until later that XXXX  XXXX doesnt actually give loans but sets you up with a lender instead. I gave these people my personal information and bank information but told them I wanted to opt out of the whole program. I told them that over the phone and through an email. I have both emails they sent me. I canceled my debit card since they asked for that information too and am not sure if I need to cancel my bank account. I am scared since my paycheck gets deposited twice a month and my taxes are getting deposited soon as well. I have the phone number they called me from as well : # XXXX Attached is the loan agreement they sent me and their emails with my replies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
Hello, My name is XXXX XXXX. I recently purchased a vehicle from XXXX XXXX of XXXX XXXX. They used TD Auto to help me finance the car. When I purchased the vehicle, I was informed by XXXX XXXX, the sales agent, that she would enroll me in a protection plan ( the XXXX protection plan ), and if I decided within several days that I did not want the plan, I could call back and unwind the plan. I did not understand the cost of the plan until later, and I did not realize that I really had no need for the plan until after purchasing the vehicle. So I immediately contacted XXXX to undo the plan - I have not been able to get in contact with her, and have not heard from her since. I need this expensive {$2900.00} protection plan undone and credited back to the loan. 

I was also charged a reconditioning fee of {$1000.00}. I was told by XXXX that this is a mandatory fee and the car could not be sold in Maryland without the fee. I objected, but did not have much of a choice at the time other than to accept the fee. After researching the fee further, there is no " requirement '' for such a fee, and the " reconditioning '' was not needed - I could have opted out. As such, I want this fee reimbursed as well and credited to my loan. 

I have been misled about these two add ons and I would like TD Auto to work with XXXX XXXX of XXXX XXXX to have these two fees reimbursed/credited to my loan. I have submitted a XXXX XXXX   XXXX complaint against XXXX XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2018 I opened a Citibank Account Package online. The terms for new account bonus were " Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : -Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
-Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. '' I fulfilled all the conditions above and left the funds in the checking and savings accounts for a couple months. However, until now I still have not received the {$400.00} bonus. Furthermore, on XX/XX/2018 I also contacted Customer Service via chat and submitted a dispute about this issue but also have not heard anything since then. 

Please look into this request and issue the {$400.00} bonus as promised. Thanks.

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 2019-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
We were in the modification process with XXXX XXXX  when it was sold to M & T Bank in XXXX of XXXX. The modification process continued with M & T Bank via XXXX XXXX XXXX. It took M & T Bank/XXXX XXXX XXXX an extreme amount of time to process this modification. The modification was completed on XXXX XXXX. The closing cost was {$14000.00}. The was no detailed breakdown of the closing cost given. The costs were identified as interest, costs an expenses. On XXXX XXXX a late fee refund of {$620.00} was returned to us. We called an wrote to M & T Bank & XXXX but could not get the details needed to explain what we were charged for processing this loan. 
A second modification was processed with M & T Bank/XXXX XXXX XXXX on XXXX XXXX. The closing costs for this modification totaled {$11000.00}. We had the exact same problem of not obtaining details of the closing costs of this loan. On XXXX XXXX, due to a " M & T quality review '', {$3100.00} and {$380.00} was returned to us due to an overestimation of fees and costs.Still, M & T Bank & XXXX refused to give us detailed information in reference to the closing of this modification. 
In XX/XX/XXXX, we filed a complaint with XXXX XXXX to get closing cost details of both modifications ( Case # XXXX ). XXXX XXXX could not obtain details of the closing costs. 
All settlement companies that I have ever delt with, supplied details of the closing costs. We have been trying for years to obtain this simple information. 
I suspect that the costs of the first loan were also overestimated. How would I ever know without M & T Bank & XXXX reveling the details of both loans?

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