vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have filed a dispute in regards to an inaccurate Account on my consumer report. It has been well over 60 days and I haven't received any investigation results.

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 2022-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I wish to file a complaint to CFPB AGAIN as my rights have been violated under the FCRA Law and fair credit and billing Act and HIPPA Privacy law. I have been trying to resolve these issues with Transunion and have not heard back. I have continued to receive unwanted call from this company. I have requested Transunion to disclose what right the companies have under the fair credit and billing act to collection. I have not heard back. On XX/XX/2015, I contacted the credit bureaus to request a full validation of these accounts the person was rude and not helpful, so I decided to file a complaint with CFPB. I have no knowledge of this account. XXXX XXXXXXXX Opened XXXX {$240.00} ) I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. Based on my research these accounts have been sold to 3rd party collection at a much lower rate. I need to see this contract too. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable. Please do what is necessary to validate these accounts in a timely manner.

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 2022-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: OH

Complaint narrative:
I sent Lexis Nexis a letter requesting a copy of my credit file they have of my and its been almost XXXX months and I havent received anything. I need this to dispute all alleged information they have of me. 
Lexis Nexis is furnishing information they have no permissible purpose to furnish. The court nor myself has given Lexis Nexis permission to take any information about me and furnish it with any credit agency. I also froze any alleged account Lexis Nexis has with me but somehow they are continuing to furnish alleged information about me and allowing other credit agencies to access this alleged information. Which is defamation of my character and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Repeated calls and letters have been sent to me from this company for years and I have told them repeatedly I have no knowledge of this debt. The debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Credit card or prepaid card — Store credit 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Monday XX/XX/XXXX I contacted My XXXX XXXX customer service about returning broken, unsafe furniture. The customer service representative said that I could not return the furniture because it had been past their three day return policy. I asked where this policy was stated and he said it was given to me and was clearly printed on the back of my deliver receipt that the delivery driver gave to me and all he could do was set up a furniture damage claim to have the furniture replaced. I told him I wanted to talk to a supervisor and dispute this policy since this was the first time I had ever heard of a three day return policy. I spoke with the supervisor and she pretty much said the same thing and started the exchange claim. 

I then checked my security footage of the day my furniture was delivered and the drive didn't give me a single piece of paper, and when I asked for a copy of what I signed, there is NOTHING on the digital delivery receipt about a three day return policy!!!! 

So I checked the website and sure enough there is NOTHING on the website about a three day return policy either!!! I then called the manager XXXX at XXXX XXXX location, and explained the situation to her and she gave me a completely different story about the policy being on a sales receipt the delivery drive gave me! I again explained to her that nothing was given to me and she said that there was nothing she could do that I would have to file a claim with the company! 

So then at XXXX on XX/XX/XXXX I get a text message from someone overseas requesting photos! I was livid about the time of day they were contacting me as I knew it was a violation of my consumer protections and rights, but I then get a completely different story from them about the how I supposedly agreed to a 3 day return policy. They then emailed me a copy of a receipt and email that I had never seen before, and the is when I decided to dispute the charge and fight this in court now! 

It is not okay for companies to lie about made up policies and then try to hold customers accountable for those made up policies! I signed and received no copies of anything that states there was a three day return policy, and I never received anything via email either!!!! 

I want my credit card company Wells Fargo to reverse the charge dated XX/XX/22 in the amount of {$1300.00} and hopefully the store will come pick up this broken and dangerous furniture! The furniture that was delivered not only has broken legs making the bed frame unusable, but there were chunks of varnish falling off, and the night stand wood was cut so crooked that the whole table wobbles making it completely unusable too!

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 2022-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: OH

Complaint narrative:
XX/XX/2022 - I opened my email to several emails from the company MoneyLion saying that I had completed my signup and a phone number that was not mine was in the profile. I contacted the company but have heard no response nor have I received any response from the chat message feature on their website. I am trying to cancel this fraudulent account before any transactions are made in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have filed a dispute in regards to an inaccurate Account on my consumer report. It has been well over 60 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
I have received vehicle financing for a XXXX XXXX XXXX back in XX/XX/XXXX, within a few weeks of driving home with the vehicle, the car has a mechanical breakdown, after about a month of checking in with the repair shop and XXXX XXXX, the repair shop stated it would be about {$800.00} to take the car home but severe engine issues needed to be repaired asap, I was given an estimate close to {$6000.00}. Due to not having enough to repair the vehicle, I told the vehicle financer that I wanted to do a self surrender, they agreed to but because I lived in WI, they have to send a notice for me to sign Andi have to mail it back to them. I was not given the notice and the financer arranged to have the car picked up, after months of trying to negotiate with the lender about the car was not legally self surrendered because of the signed notice requirement. They told me that I can have the car back just pay the back months and repossession charge it which I couldnt afford at the time, they do charged me for an additional month when the car was in their possession, not to mention by law what they did was illegal in state of Wisconsin, stated by the DMV requires the notice and anyone who is facing a repossession has to have a chance to avoid it and come up to terms. 

In addition to this I constantly told this company to update the SSN on the account because it was inaccurate, they have not updated the number even when I sent documents. 

I complained over and over about the service, I have been treated unfair by this company and it's representatives, they are rude and disorganized that no one is on the same page, the executive office says one thing but the repossession team does not take orders from them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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: Nelnet, Inc.
State: TX

Complaint narrative:
Hi : My name is XXXX XXXX I attended XXXX XXXX back in 2005 I was enrolled in there plumbing program. The school was uneducated about teaching students I didnt learn anything the addmission rep didnt even ask me for a copy of my high school diploma. I graduated with zero knowledge or understanding about the trade they didnt even give me a certificate of competition at my graduation day that was very embarrassing to me and my family but they left me with a {$25000.00} loan it has been hard me and my family my credit score I need help getting this removed from my credit report from the department of education of XXXX XXXX so I can get my life back Im looking for a loan forgiveness my wife has medical issues there is no way I can make any payments please please please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Receivables Group, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX complaint # XXXX was filed on Healthcare Receivables Group and submitted to the CFPB. 

On XX/XX/XXXX XXXX XXXX XXXX receivables stated they are deleting their accounts from the credit bureaus and returning it to their client. 

As of XX/XX/XXXX Healthcare Receivables account remains on my XXXX credit file and this account was updated on XX/XX/XXXX ( attachments provided. ) Healthcare Receivables addresses will receive a notice from me via priority mail no : XXXX XXXX XXXX XXXX US. I will keep the CFPB updated with their reply. 

No further action is required once this account is removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
With my BestBuy Citi Credit Card ending ****, I have made a purchase at a BestBuy store on XX/XX/2021 for {$800.00} to be paid in 24 monthly installments with no interest or fees. My next statement in XXXX included the whole amount, but I didn't suspect anything wrong as it was the true amount I owed, and it showed in my promotional purchases section of my statement. However, the total amount was not spread over equal payments, and somehow, I paid not all but most of this purchase along with the remaining expenses on my account for the period. 

The total statement balance of {$970.00}, including the purchase in dispute, was paid on XX/XX/2021, because I had my instructions to make full statement balances on due date. On the other hand, I still owe {$160.00} on promotional balances, which should be only 1 ( one ) installment less than the total purchase, around $ XXXX I contacted various customer service representatives, and until the last one, they all argued the system withdrew all the money owed from expenses because I had Full Statement Balance pay instructions, and Citicards didnt have an option to separate and calculate installment payments from the rest of the balance, which sounded meaningless. Multiple CS representatives told me that I should calculate how much I wanted to pay on each month and put that into payments or change my monthly payment instructions to Minimum Payment, which would create interest charges on my expenses outside the Best Buy promotional purchase in dispute. 

Getting into an installment pay plan and then having required to calculate your next payment each term is not making sense, and there is obviously a mistake here that customer service doesnt want to understand. Unfortunately, there is no available authority fully comprehensive at BestBuy or Citibank to reach out for the dispute, so I have no other option to report this promotional delusion on all levels of complaint departments.

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 2022-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have filed a dispute in regards to an inaccurate Account on my consumer report. It has been well over 60 days and I haven't received any investigation results.

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 2022-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian keeps updating my credit report to show an address I have not lived at for almost 20 years on my credit report. Secondly, they have reported 20 different variations of my name. I have repeatedly provided documents to correct this matter however, the issue just keeps coming back.

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 2022-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have a credit card with Chase I only used on business trips. They waived the annual fee in XXXX due to COVID. The card has not been used since XXXX to make personal purchases. In XXXX they again charged a membership fee {$85.00}. I totally forgot about this card since it hasn't been used and for every month they charged late fee of {$40.00} dollars + interest on membership fee. 

Why are they allowed to charge a late fee on membership fee only when the card is never used? 
How is this any different than stealing money? 

I was charged late fees for 6 months and they told me they could only waive fees for 3 months. This is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On the XXXX of XXXX, I submitted the following complaint against Citibank theough concumerfincance.gov : " To whom it may concern, On or about the XXXX of XXXXXXXX XXXX, I opened online checking account with Citibank as I was switching from XXXX XXXX. On the XXXX of XXXXXXXX XXXX, I attempted to deposit XXXX XXXX closing check in the amount of {$910.00} to my Citibank account ( check number XXXX ). On the XXXX of XXXX, Citibank blocked my card and access to any information online. I called the bank and was advised that the check was flagged as fraudulent, and the account is now in " the process of closure. '' However, the check was deposited - after many hours on the phone with Citibank they verified the check. Therefore, for absolutely no reason, Citibank cut me off from access to all the money I had including that of " fraudulent '' check. As of XX/XX/2021, I have not heard from Citibank and have not received the money - neither do I have an opportunity to check the status online. The situation significantly affected my holidays plans and caused me to lose my car. I would appreciate any advice and help on this matter. '' On the XXXX of XXXX, I received a response form Citibank representative that was not of any help- it was the same statement that I could receive from robotic customer service representatives of a call center : it stated that the account must be closed within 60 days and the close out check will be sent to me then. 60 days expired on the XXXX of XXXX, and the account was not closed. I called Citybank on the XXXX, XXXX, and XXXX of XXXX requesting a callback from a supervisor. Every time I called, the representative stated to call back in XXXX hours and the account will be closed. 
As of XX/XX/XXXX, MY ACCOUNT IS STILL OPEN.

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 2022-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
XX/XX/2021 I was told by PayPal that my account had been limited. The {$6500.00} that was in the account will be placed on hold for 180 days. After the 180 days if there are no chargebacks PayPal will allow me to deposit the money into my checking account. XX/XX/2021 just days before the XXXX day, PayPal takes all of the {$6500.00} from my account and claims damages. This is ludicrous. I am pursuing legal action against PayPal immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: IA

Complaint narrative:
Phoenix Financial Services is reporting two accounts on my report that are not mine. States they are medical bills from another state. I have lived in iowa for 40 years. The account opening date keeps changing but are all sometime in the last year. I have not traveled out of state In years. Ive asked them to provide me proof this debt is really mine and have been ignored. These two collection accounts are the only negative marks on my credit report and its infuriating that they are allowed to damage peoples lives in this way without validation that the debt is actually owned by the person they are negatively affecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was reviewing my consumer report and noticed information that isn't fair and or accurate. based on the fair credit reporting act consumer reports does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Transunion is violating my consumer rights.

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 2022-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Since then, Portfolio constantly calls me multiple plus times daily with different numbers each time which I block. Holidays and early and late... I can't take it any longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I've been battling with this company for months sending letters after letters certified mail consuming my time and energy. My stress level is through the roof I've been sick to my stomach because they have been putting me though. My lively hood is my credit and that have been running over me fraudulently with no regards on how I'm effect getting though daily life. 

Dates Of letter XXXX ( three letters ), XXXX, ( four letters ) XXXX A total of 10 attempts to rectify the issues And it all boils down too My consumer rights being violated numerous of times and my letters have been disregard with no explanation or proof of being validated Violation of my consumer rights to privacy 15 USC 1681 ( a ) ( 4 ) accusing me of having debt 15 USC 1692B ( 2 ) acquisition of location saying I owe a debt without proof documenting transactions of my credit card ( ssn 15 US Code 15 1681a ( 2 ) ( b ) Adverse actions 15 US Code a ( k ) ( iii ) and most of all this have been happening without my written consent 15 US code 1681b ( a ) ( 2 ) Until I discovered who I was a natural person.

and 120 days later I'm ready to take charge I'm tired of being harassed and accused of these reports and nothing should be reported without my written consent nor being properly validated

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