vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-22 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX I made a purchase on the internet of {$37.00} on XXXX XXXX. My billing statement for XXXX arrived with a charge of {$100.00} which was entered as a sales account adjustment with no previous balance. I tried several times to contact the vendor where all I could leave was a voice-mail and an assurance they would call back. None of my calls were returned. I contacted XXXX XXXX, explained the situation, and wast told they would file a dispute for the overcharged amount of {$66.00}. In the meantime I submitted a payment for the purchase I made in the amount of {$37.00} ( XXXX ) and given confirmation # XXXX. The due date for the payment was XXXX ( on time ). The next statement I received from XXXX XXXX was now {$100.00} with interest of {$2.00}. All statements since, have crazy fees deductions and additions. I have regularly called trying to settle the overcharge, sent explanations to their XXXX XXXX XXXX South Dakota ( no phone for office ) and have spent hours on the phone trying to resolve the issue. XXXX XXXX is now harassing me for payment, and has immediately reported a non-payment to the credit bureaus. My XXXX XXXX dropped about a XXXX points from them, and this fraudulent charge has been constantly under dispute. I am starting to think XXXX XXXX is committing this fraud. Before this happened I had to dispute another charge which was resolved back in XXXX of XXXX. I have not used their card since then. XXXX XXXX not talk to me ( their logo on the card ) as XXXX XXXX is a LLC management company. I have always maintained an exemplary credit rating through the years and my available credit has been especially high. I need help with this company to get this resolved. Thanking you in advance. I wii not pay this charge until XXXX XXXX can provide proof of purchase, which they cant..

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 2023-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC
State: TX

Complaint narrative:
I have received 7 calls since XX/XX/XXXX to my personal cell for a family member that has been Deceased since XX/XX/XXXX. On XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX CT I actually answered. They asked for the person to which I informed them they were no longer alive and the date of death and asked politely for them to stop contacting me. Every single time someone calls asking for my mom it brings up all of these horrible emotions ( was a horrible house fire that cause her AND my step father 's death ) and my XXXX XXXXXXXX XXXX XXXX  all day and I keep rehashing what happened. They need to STOP CALLING ME!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Unemployment funds from mother was being posted to my account. PNC subsequently closed my account and refused to tell me any information regarding the security review. I told them my mother would be able to state both verbally and in writing that she had been receiving her funds and did not have an account which the funds could be deposited to at that time. My mother subsequently got a XXXX XXXX XXXXXXXX card from the unemployment office and all of her future funds were sent there, however, all of my funds were locked in the account and the bank refused to give me any information. Two years has now passed and I looked in the account and all of the money is gone and the bank does not know where it is. It states there was an adjustment made on the XXXX of XXXX and then the account was closed. The balance was over {$4000.00}, so not only were funds of my own stuck in that account, funds from my mothers unemployment were also stuck there. I called the bank and they stated they will call me back in 3-5 days because they dont see where the funds went.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been a bank of america credit card holder for almost 7 years. In 7 years i have been late for TWO MONTHS, and they were back to back, and they were due to life threatening circumstances, and Bank of America could care less. In XXXX of 2021, i got a life threatening case of the XXXX XXXX virus. It was actually my SECOND time. Recovered thankfully but i was out of work for a month. When i got back to work, my company cut my pay by 20 %. I was unable to pay my Bank of America credit card on time for two months, first time in 7 years and i have been perfect since then. I was unable to pay a lot of things at that point but other companies have worked with me and i have since caught up on everything and everyone is taken care of. Bank of America told me, harshly, in the letter i will attach, pretty much tough XXXX, its my fault and even though we got our money, you will suffer. Well i am suffering. I am trying to purchase a home for me and my wife and my XXXX kids, and these two late payments are crippling my chances. I am begging for mercy. I am asking that bank of america removes these two late payments as mercy. Me and my family would be forever grateful.

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 2023-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit Collection Services is attempting to collect an erroneous debt issued to them by XXXX XXXX. I have two insurance plans and XXXX XXXX has not billed either and sent it to Credit Collection Services. Credit Collection Services has failed to follow the law after being informed that the debt is not mine. They refuse to contact the original billing company for guidance on the bill. The total amount of this erroneous bill is {$1800.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX XXXX {$4600.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$400.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} 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 non-monetary relief
Consumer complaint received 2023-02-22 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX XXXX {$4600.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$400.00} XX/XX/XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was scheduled to make my first payment XX/XX/XXXX in the amount of {$770.00}. 
I opted for a new due date. I wanted to change the date from the XXXX to the XXXX of the month. 
In order for this to happen, I had to make a payment {$230.00} to carry me over to the XXXX of XXXX. I made a {$250.00} payment. When the XXXX of XXXX came around they were stating I was late. I called back. I explained what I did to change the date. The representative did not seem to understand. To avoid arguing, I made promise to pay the remaining {$530.00} before the XXXX of the month in order to setup the new due date. I made a payment of {$530.00} on the XXXX of XXXX. Today I received notification that my account had been drafted in the amount of {$530.00} again. I feel like I'm being taken advantage of and they are not trying to listen and properly resolve the matter. I only want to make my payments on time and pay on the XXXX of the month. I am upset right now because the took {$530.00} from that I do not recall authorizing, plus stating I was behind on my payments. I wanted my money back but I'm not sure this matter will be resolved accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I submitted a letter from XXXX XXXX XXXX to Experian stating the following : RE : Paid in Full on Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Dear XXXX XXXX. XXXX XXXX XXXX : This letter is written confirmation that the above referenced account was paid in full and closed on XX/XX/XXXX. We are in the process of updating this data with the credit reporting agencies which will take approximately 45 to 60 days. 
We value your membership and ifwe can be offurther assistance to you please call us at XXXX or XXXX exlension XXXX, Monday lhrough Saturday XXXXXXXX XXXX. lo XXXX. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX A charge of effecting my report negatively has continued to remain on my credit report since this time and Ive submitted numerous disputes since then. This morning after submitting a complaint through CFPB about this matter, I received yet another dispute response from Experian informing me that the charge off remains as investigation info from XXXX states the info is valid. I just spoke with XXXX and confirmed that they have not provided any such information to Experian and there is NO INFORMATION that indicates I have a charge off or negative account with their institution and will be sending yet another letter for my records. 

THIS IS ILLEGAL TO CONTINUE HINDERING AND HURTING MY CREDIT BY NOT PROPERLY REPORTING ACCURATE INFORMATION!!! My score has dropped a great amount due to this issue!!

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 2023-02-22 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: MOHELA
State: CA

Complaint narrative:
Mohella student loan is reporting that they could not locate me. On XX/XX/30 they asked me to update my information. I promptly logged into the website and updated my information. last week, I received an email from credit journey and I called XXXX and they indicated that Mohella has flagged my account and stated I am unable to locate. This is all untrue, my score has dropped from a XXXX to a XXXX. I have never missed a payment and this is a student loan and all loans are currently on forbearance. Furthermore, regardless of if you can locate me or not, the only thing that should be reported is missed payments. I have contacted Mohella several times to get he run around, long hold times and as of yet it is still not corrected. They have confirmed that they have all the payments, yet they have done nothing further

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I contacted Experian bureau and requested that there were inquiries on my credit that I wasnt aware of & they wasnt removed. The inquiries were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and according to the FCRA unverified & unrecognized items must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I leased a 2020 Honda Clarity PHEV from Honda financial services ( HFS ) in XX/XX/XXXX. My lease is ending soon, so I decided to buy the vehicle on XX/XX/XXXX for {$17000.00}. I was informed that my title was mailed on XX/XX/XXXX. The title was mailed to a different address than the one I requested on the title release form I sent to Honda Financial Services. 

After two weeks of not receiving the title in the mail, I contacted Honda and was told my account was closed as the title had been mailed and all I could do was wait for the title to arrive in the mail. 

It has been over 45 days since I was told the title has been mailed and I still have not received my title in the mail. I spoke with a representative at Honda Financial Services ( XXXX ), who said HFS will send some documents to request a duplicate title. I am still waiting on those documents. 

I do not know what else to do. I have purchased the car but am missing a very important document, the title. Please assist me with getting the title from Honda as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: TN

Complaint narrative:
I went to XXXX back in XXXX of 2022 to become a customer with them. XXXX was advertising free phone with new service, so I went in to pick out a phone and they told me I had 14 days to try it out. Well I called them a couple days latter to tell them the phone was getting hot and 11 days later I took it back and told them I didn't want it. It cost me XXXX to get out of the store with supposedly a free phone. They never told me about all the hidden charges. Now I've got a debt collector months latter for a bill that XXXX can't provide me with a brake down on how this bill occurred 5 months later and they tell me the account has been closed since XX/XX/2022. I'm wondering how I can get a bill from a closed account?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/2022 XXXX became XXXX XXXX. When the changes were made I had no knowledge that the payments posted would not be to the original account. I contacted the company via email asking if they would give me a reprieve since I had been a customer for two years and never had a late payment previously ; in fact, this would not have occurred if it had not been for the company account changes beyond my control. They emailed back that the late payment would be reversed ; the credit bureau never received updated information and my report and credit score reflect this negative mark. In XX/XX/2022 I paid off the account in full and was due a refund. The company did not return the funds within the 7-10 day timeframe. 

My concerns are the following : 1. The company has the ability to positively or negatively impact the consumer 's life via credit reporting. It is imperative that this reporting is done accurately to reflect as promised.

2. Since accounts are to be reported accurately ; negative balances ( i.e. overpayments ) are returned to the customer 's closed accounts and refunded within 7-10 days.

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 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On the XXXX of XXXX, XXXX. I deposited a check in the amount of {$400.00} to my chase account. My deposit cleared 48 hours later to which my account was randomly restricted. I was told by the fraud retention group, after 7 days this account restriction would be removed. They were hoping during this time, the check would return. But, a legitimate check has no reason to return. They have me in financial strife currently due to me being unable to access completely cleared funds that I am entitled to. As of XX/XX/XXXX my deposit has still not returned and I am unable to access my account. I have no online access to my account either. Chase Bank has tried to reach out to the check maker, and still will not kindly release my funds after promising a release date of 7 business days from my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: VA

Complaint narrative:
I signed up for a Self secured credit card. They are holding {$200.00} of my money as security. I never received the card, it was never active yet they charged my bank account a {$25.00} minimum payment. The balance was XXXX and they charged {$25.00} and do not show a credit. This is in addition to an annual fee of {$25.00}. ( Two separate charges ). I spent XXXX minutes on the phone explaining this to them but the agent tried to convince me for XXXX minutes that the minimum payment deducted was actually the annual fee. I called them back later to close the card but i was bounced around from department to department, but no one would close the account and refund the {$220.00}. I tried again later and it was the same situation. 
I do not have the card number because i never received it. In my opinion self.inc is a business acting fraudulently and should not be allowed to operate a credit card company. I am sure that you had many other complaints. I would like to get my money back and hope you will restrict them from operating a credit card scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: MOHELA
State: TX

Complaint narrative:
I had received XXXX emails on XX/XX/XXXX regarding potentially negative activity on my credit report. After reviewing my credit alerts, my student loan lender, MOHELA, reported they had attempted to contact me and were unable to reach me. These seven reports brought my credit score down XXXX points. I contacted MOHELA explaining that I had not received a phone call, letter, or email from MOHELA. I was informed by MOHELA that they in fact did not attempt to contact me. I have no past dues and I am still on my grace period with this lender and therefore should not have been reported negatively. They admitted that they will send multiple credit alerts to ensure people will contact them. 

MOHELA 's use of false credit reporting has lowered my score as low as it has ever been. The alert mentions they were unable to contact me and had been attempting to when in fact they never had. If they had called, emailed, or sent a letter, I would have willingly cooperated. This hinders my ability to finance my car, pass credit screenings with employers, and continues to cause unnecessary distress. MOHELA will not remove the alerts and claims my score will " fix itself in time ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Fraudulent accounts and inquiries appearing on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: SCA Collections, Inc.
State: FL

Complaint narrative:
The original creditor : XXXX XXXX XXXX shows the debt was opened on 2 different dates, XXXX on XX/XX/XXXX and also XXXX and XXXX on XX/XX/XXXX, amount {$2500.00} and it was charged off. A company, SCA Collect, that I did not know of placed an charged off account on my credit report without my consent or knowledge. They reported it on XXXX and XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. That is a deformation of character. I am trying to purchase a newer car for transportation for work.

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