vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is a complaint about my Citi Costco Anywhere Visa Card. This started when I made a late payment on XX/XX/XXXX. The payment was two days late, having been due on XXXX XXXX. I was charged a late fee, and an interest fee, totaling {$53.00}. That was expected, and I did not complain to the company. What was unexpected was an interest fee that appeared on my account on XX/XX/XXXX for {$9.00}. I was confused because I am only charged interest when ( as above ) I make a late payment, or if I only pay part of my statement balance. I never pay part of my statement balance ; I pay off the entire statement balance each month. When I made my late payment on XXXX XXXX I paid what they presented as the whole statement balance, and then on XXXX XXXX I made an early payment for the next statement balance. Today, XX/XX/XXXX, I started an online chat with a customer service representative at Citi to discover why this charge was made on XXXX XXXX. To the best I can understand the conversation, I accrued interest during those XXXX late days that attached to my statement balance, and because I was something like {$20.00} short on the total statement balance I had to pay interest on that {$20.00}, accruing each day, until XXXX XXXX when I made that early payment. I argued that I paid what Citi told me was my statement balance, and I can't pay off something I don't know that I owe. The rep just directed me to the company rules. I find this to be a manipulative, dishonest, and abusive practice. I can not pay what I don't know that I owe.

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 2021-01-10 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$8800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not 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 2021-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
I have a debt for going to the emergency department after a fall down some bleachers. They add the account to my credit report not once but twice and I reported it once or twice and the debt isnt being resolved. They have been adding XXXX x2 for the same collection twice. The first time they added the debt it was correct but they added interest fees and reported it to my credit a second time. They are hurting my credit every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ARS National Services, Inc.
State: CA

Complaint narrative:
ARS National Services was paid for Us by XXXX XXXX XXXX. 
They claimed they have not been paid the last payment but they were on XX/XX/2020. 
We faxed them all the information they said they needed. I want to say in XXXX of last year but they are reporting every month that we are a late pay again. This is hurting our credit. We have already contacted them though XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ladera Lending, Inc
State: CA

Complaint narrative:
I started an application to refinance my loan with Ladera Lending. I started going through process of signing refinancing documents when there was a document in the pack that I was not comfortable signing. I talked to the mortgage lender, XXXX XXXX, who told me the form was required to fund the loan. I cancelled the loan application by filling out a cancellation form and submitting it with the notary. When I go back from vacation, I found out that they ignored my right to cancel and processed the loan anyways. I was charged points and fees even though I canceled and submitted the cancellation with the notary. They will not give me a signed copy of my documentation nor are they responding to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I sent a dispute letter to Synchrony Bank regarding an account that appeared on my credit report. The company failed to validate my account within the 30 day time period provided by the Fair Credit Reporting Act. I sent another letter to the company notifying them of their failure to validate the account and that they are required to delete the account. Instead of deleting the account Synchrony Bank updated the account on my credit report and has now sold the account to a collection agency. I am reporting Synchrony Bank for failure to comply with 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 2021-01-10 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Saw a house to rent on XXXX. Set up an appointment to view the home at XXXX XXXX XXXX, XXXX, OH XXXX on Friday morning XXXX. He let us in remotely, stating he was out of town. We agreed to lease the house, he sent us lease, which we reviewed, made a few changes - paid deposit of {$800.00}. After changes were made, the lease was signed and we sent the first month rent Friday evening. XXXX XXXX said we would be able to move in on Saturday, the XXXX. The house is empty. On Saturday morning, we noticed the property was listed on XXXX for {$1600.00} through XXXX XXXX, we contacted them and they stated that the house was still available. They were shocked that we had been able to enter and view the property, but said we had been scammed. He is telling us that his locksmith was going to change the lock, but he was unavailable. He suggested that we have our own contractor go and change the lock. He still thinks we are moving in on Monday, the XXXX. 
He currently has my social security number, address, driver 's license and place of employment that he took from the lease application. Tried talking to my bank, but they have not helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
XXXX XXXX FOR {$240.00}? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
They took my entire stimulus money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
AmeriSave ran a credit report on myself & I never applied for a mortgage.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX was paid for Us by XXXX XXXX XXXX. 
They claimed they have not been paid the last payment but they were on XX/XX/2020. 
We faxed them all the information they said they needed. I want to say in XXXX of last year but they are reporting every month that we are a late pay again. This is hurting our credit. We have already contacted them though 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 2021-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
They have made illegal phone calls but they dont get the proper disclaimer about the information for a debt they lie to not give me a deferment. They state when I ask about doing a payment date change that they can do it but then dont apply it and wait till parentheses its past due and then lie and say sorry now you have to pay we cant do anything for you. I do have a recorded phone call that I asked permission or inform them that I am recording it the Friday amount of times they do illegal business practices as Ive seen there intentionally deceiving customers in order to fraudulently charge fees. I have images of my online account that show my last payment was the end of XXXX but a different part of the county also stateThe last time I made a payment was 90 days ago that was not 90 days of their illegally charging fees going to see for collection processes and making illegal threats

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have been a CAPITAL ONE AUTO FINANCE customer since XXXX and during that time, I have one late payment on the above referenced account that date back to XXXX. Since that time I have been an exceptional customer paying every month on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2021 I went into the XXXX XXXX XXXX of XXXX in XXXX Alabama. A salesman greeted me and I told him that I just had my car refinanced and cut my interest rate in half, etc., but had noticed {$3500.00} incentives for a new XXXX XXXX, which I am interested in and the incentives ended in 2 days. We did the usual looking at my car and what they had available. I told him that my credit wasn't the best, have really been working on it ; I was out of work over 9 months because of a workplace accident, and workers comp isn't much. I knew that XXXX XXXX XXXX has a program to help, and the {$3500.00} incentive would really help. The salesman was XXXX. XXXX. He took my car keys to value it as a trade then when he came back said he would give them to me later. I was curious. I only wanted him to try XXXX XXXX and told him so. Quite a while later he came back and said that he couldn't get it financed. I asked for my keys back and he had to get them. I kept hearing notifications on my phone, and angrily told him that my XXXX  credit report, that I monitor, had " hard pulls '' for credit checks at least 5 times. I was LIVID. There were XXXX total, the only activity on all 3 reports for that day, XX/XX/2021. Equifax had 9 ; XXXX had 5, and XXXX  had 5. I found this out the next day. Two things are happening because of that ; my score is greatly lowered and the inquiries stay on there for TWO years. And if I apply for any other type of credit product, it looks as though I'm being irresponsible and just applying for anything ... not a good credit risk as they would see it, and it affects my ability greatly to try for another vehicle any time soon. I was just approved for a refinance loan! Furious. Only gave permission to check XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: AL

Complaint narrative:
On XX/XX/2021 I went into the XXXX XXXX XXXX of XXXX in XXXX Alabama. A salesman greeted me and I told him that I just had my car refinanced and cut my interest rate in half, etc., but had noticed {$3500.00} incentives for a new XXXX XXXX, which I am interested in and the incentives ended in 2 days. We did the usual looking at my car and what they had available. I told him that my credit wasn't the best, have really been working on it ; I was out of work over 9 months because of a workplace accident, and workers comp isn't much. I knew that XXXX XXXX  XXXX  has a program to help, and the {$3500.00} incentive would really help. The salesman was XXXX. XXXX. He took my car keys to value it as a trade then when he came back said he would give them to me later. I was curious. I only wanted him to try XXXX XXXX and told him so. Quite a while later he came back and said that he couldn't get it financed. I asked for my keys back and he had to get them. I kept hearing notifications on my phone, and angrily told him that my Experian credit report, that I monitor, had " hard pulls '' for credit checks at least 5 times. I was LIVID. There were 19 total, the only activity on all 3 reports for that day, XX/XX/2021. XXXX  had 9 ; XXXX had 5, and Experian had 5. I found this out the next day. Two things are happening because of that ; my score is greatly lowered and the inquiries stay on there for TWO years. And if I apply for any other type of credit product, it looks as though I'm being irresponsible and just applying for anything ... not a good credit risk as they would see it, and it affects my ability greatly to try for another vehicle any time soon. I was just approved for a refinance loan! Furious. Only gave permission to check 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 2021-01-10 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020, I was contacted by Bank of America to inform me that suspicious activity was detected on my account. When I checked my account, I found that someone has managed to hack into my account and take out {$14000.00} from my debit card and transferred it to another credit card. I informed BoA right away of the unauthorized transaction and asked them to stop the transaction. They said they are unable to stop the transaction but will investigate and refund the money to money soon. I also found out that my other accounts were compromised as well, such as XXXX and XXXX, and had to change passwords for everything. I contacted all the websites which my accounts were compromised, cancelled all purchases made without my permission, and asked for my money back. I eventually got my refunds, but none of them wanted to contact the authority for an investigation. Bank of America, however, refuses to refund my my money despite what they promised when I called them. They have denied my claim twice and never bothered to inform me by mail or email. They have contact information all correct and I verified this with the associates I spoke to. I had to keep calling the bank to ask about the status of my claim. This is blatantly illegal, since by laws, they were supposed to refund me my money within 10 days and inform me of their decision by mail or email. I spoke to the bank again the day before XXXX and was told that the bank can only reopen my claim 3 times before they abandon the case. I am furious with this incompetence and currently looking for a lawyer who specializes in cases like this. I reported all of this to the police, but they have yet to give me a response. This is infuriating and it shows the bank and the police do not care to investigate my case. Worst is how the bank handled this because they simply let someone else take away my money and not even bother to stop or investigate who did it. I couldn't even talk to someone in the investigation team. The ones I spoke to only reopen my claim or tell me the status, and that's it. They know nothing and can do nothing. I am at a loss and don't know what to do besides waiting for the deadline in XXXX before calling a lawyer.

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 2021-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been a XXXX XXXX XXXX XXXX customer since XXXX and during that time, I have one late payment on the above referenced account that date back to XXXX. Since that time I have been an exceptional customer paying every month on time.

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 2021-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been a XXXX  XXXX XXXX XXXX  customer since XXXX and during that time, I have one late payment on the above referenced account that date back to XXXX. Since that time I have been an exceptional customer paying every month on time.

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 2021-01-10 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: PA

Complaint narrative:
I have been a XXXX  XXXX XXXX  XXXX  customer since XXXX and during that time, I have one late payment on the above referenced account that date back to XXXX. Since that time I have been an exceptional customer paying every month on time.

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