vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My Citi card was compromised. I called Citibank on Thanksgiving day XX/XX/19. Citibank refused to issue conditional credit or even send me a letter stating the amounts in dispute. They claim this is not the policy of their fraud department which is incredulous to me. This happened to me once before for a large number of small charges. I only received credit for roughly 1/2 of them after 3 months of calling them about it, I am not willing to do this again or pay for fraudulent transactions to my card. 

The amounts are : XXXX to XXXX XXXX XX/XX/19 XXXX to XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 TOTAL {$1200.00}

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 2019-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CARDPLATFORMS LLC
State: OH

Complaint narrative:
Received a {$150.00} promotional gift card due to a prior purchase. Attempted to use the card on-line and it got declined. Went to website listed on back of card https : //therewardcardstore.com to see account balance, states " There was an error, please try again ''. Looked up other phone numbers for the banks listed on the website to see status of card, goes to a non working phone number XXXX. Called the # on the back of the card XXXX and always goes to an automated recording. States call during business hours XXXX-XXXX M-F EST, even doing so, never goes to a live person ( have tried on multiple days ). 

Called the bank directly listed on the back of the card, XXXX XXXX, they state they only distribute the plastic and don't have access to the account or its funds. XXXX Please help

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CCS Collection company has reported a debt of XXXX to my credit report for and unpaid amount of from and insurance company called XXXX XXXX. I never have been insured with XXXX XXXX neither do I own a vehicle that was insured through XXXX a XXXX XXXX XXXX. I am highly upset after speaking to many representatives through this company and not being able to help resolve this issue. I have explained to this agency that this debt does not belong to me only for them to say, the person whom owes the debt will need the debt to be paid before it can be removed. I am filing a complaint for this matter of false information being reported on my credit without any of my knowledge.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. Additionally, Equifax has not responded within the 30-days per FCRA. 

ACCOUNTS XXXX XXXXXXXX XXXX XXXX never late XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX   XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX  XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I am filing a dispute through AMEX against XXXX XXXX. I have refused delivery and pickup of an item I supposedly won on some online auction. XXXX will not refund me even though they are in possession of the item ( and have been since XX/XX/XXXX ) and I continue to refuse delivery/pickup of the item. AMEX has all the evidence they need, but still has not decided the case in my favor, even though I have never had the item and I refuse delivery of it. XXXX XXXX. No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: Credit Plus Inc
State: VA

Complaint narrative:
XXXX XXXX and XXXX XXXX conducted hard inquiries on XX/XX/2019.  Credit Plus made two hard inquiries: One on XX/XX/2019 and one on XX/XX/2019.  I was told they did two inquiries because the company had misspelled my name, which was not my fault.  It is my understanding that if hard inquiries are made within 30 days of each other, they are supposed to count as only one inquiry.  That did not happen with either XXXX XXXX, XXXX XXXX, or Credit Plus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After the Experian 2017 breach I froze my personal credit reporting accounts with all three agencies. XXXX XXXX the best to work with and is always a simple matter to open and close freeze at will or view data. XXXX  in second best and not to bad to access. However Experian makes the matter of opening and closing a frozen account very, very difficult and recently I wanted to open a " my account '' with SSI but could not do so because I could not get Experian to unfreeze my account, albeit temporarily. They attempt to force you to buy their monitoring system 's instead of just making the matter of access easy to use, but rather they require burdensome and slow methods of mail in forms and other hurdles not required by the other two companies. In my view they are the worst and the CFPB should investigate their corrupt and dishonest business methods, after all they were the ones who allowed millions of consumers information to be breached an now instead of being consumer friendly EXPERIAN makes life more difficult.

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 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-12-03 00:00:00
Product: Vehicle loan or lease — Loan
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: EASTERN BANKSHARES INC
State: MA

Complaint narrative:
I paid of my car loan to Eastern Bank in XXXX on XX/XX/XXXX and i have not received my car title. I follow up with Eastern Bank on XX/XX/XXXX to see where it was. they stated they sent the release to the XXXX on XX/XX/XXXX and that it was no longer their problem. I still do not have my title and eastern bank is unwilling to help with this matter.

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 2019-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was sent {$1000.00} from my attorney using Cash App. I never heard of it and used it first time. This app collects way too much information than needed. Worst thing - it's only mobile. Not at all easy or good compared to XXXX or XXXX. Moreover there is absolutely no human being available to deal with. It keeps on redirecting to phone or email but there is no human being. There is a phone # XXXX but no human being there also. 

This app is pretending to work with person to person money transfer without each other knowing each other 's account number etc ... So it ask the recipient to provide Debit card # with all the details - expiration date, zip code etc ... 

But even after that - there is no idea where the money is went? 

And there is no human being hired by this cheap folks in XXXX from this company called Square.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: AmeriCollect
State: FL

Complaint narrative:
Americollect agreed to send a letter to all credit reporting agencies to remove and they have not stood by that agreement. 
I have filed a complaint before on this company. 
I have a copy of the letter from Americollect agreeing to remove the debt. 
It has been over 30 days since I received the agreement to remove from the collection agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX  XXXX never late XXXX XXXX XXXX XXXXXXXX not mine XXXX XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine XXXX  XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX  XXXX not mine

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 2019-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XXXX  XXXX is saying that I owe them money on clothes they say they delivered, and left outside my apartment. However I told them that they can not leave clothes outside of my apartment. I am a XXXX  XXXX  and I am gone multiple days at a time throughout the month. I live in XXXX IL and in my neighborhood if you leave boxes or any mail outside for more than a couple days it is highly likely someone will steal it. Which is what happened multiple times. 

XXXX  XXXX is saying that they put a credit hold on my credit card because they believe I owe them money for purchases that I never received. 

I talked to them multiple times and told them that I can not get clothes delivered to my address because I am not home half the time. I have been using their pick up at store option or signed delivery and that works fine. 

However now they just informed me that I owe them money on the clothes that I never received because they left them outside my house. This is preventing me from using my XXXX credit card, and also they say they will not let me order from them. 

I need them to not charge me for the clothes never received and to let me continue the option of using the credit card at the store, or with a signed deliver confirmation, or pickup option.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
Brock & Scott , PLLC sent me a Notice of Foreclosure Sale dated XX/XX/XXXX that I received XX/XX/XXXX. In it claims I owe XXXX XXXX XXXX XXXX and that XXXX XXXX  XXXX is the party with full authority to negotiate. 

Brock & Scott , PLLC did not provide any proof of the alleged debt to me in response to my notice of dispute and demand for validation. The materials it provided were incomplete, inconclusive, and confusing. The materials did not identify the alleged original creditor or the the alleged current creditor. The materials were received sometime in the first week of XX/XX/XXXX. 

On XX/XX/XXXX the alleged debt was sold to two debt buyers and collection was of the alleged debt was assigned to a third party. I received this notice XX/XX/XXXX, too. 

The debt buyers confirmed the purchase of the alleged debt and XXXX confirmed it was no longer attempting to collect the alleged debt from me. Brock & Scott , PLLC has yet to confirm that it no longer has the right to collect the alleged debt from me and continues to list a scheduled foreclosure sale on its site. 

I can provide documents as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
My mortgage company are being deceptive. I grouo emailed my insurance company and mortgage company my pictures and invoice of my roof being replaced. Almost {$2000.00} out of my pocket. Water has been getting into my roof. The insurance company verifed recieving the documents. Vanderbuilt said they have not recieved it. I have proof that they received it. They are very mean to me. The manager XXXX and a few others are unfair when it comes to handling my claim. Paying out of pocket has put me in a financial hardship. Vanderbuilt mortgage out of Tennessee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: PR

Complaint narrative:
National Credit Services failed to comply in removing collection account from my credit reports ( XXXX & XXXX ). Per their response to my previous cfpb complaint they stated that the collection will be removed. 


Company responded on XX/XX/2019 RESPONSE TYPE Closed with explanation Company 's Response NCS has closed the account and is requesting the removal from the credit report. We will no longer be pursuing based on the information provided does not match what we have on file, we apologize for any inconvenience. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear CFPB Staff, Transunion has failed to remove an erroneous Alert from my address ( XXXX XXXX XXXX XXXX Fl, XXXX ) on my Credit Report stating it is " temporary '' and not residential. 

My address ( XXXX XXXX XXXX XXXX Fl, XXXX ) is my family 's house which I have lived in for over 10 Years. 

I sent Transunion the documentation they requested early this year ( 2019 ), and they failed to fix the problem. 

I just got off the phone with a Transunion at around XXXX on XX/XX/2019. The Transunion Representative lied and did not know what he was doing! First he stated the problem was that the bank statement was not recent. I asked him " Was it recent when I was told to and sent it in? ". The Transunion staff member Transunion is poorly training to help us American Citizens with our crucial life determining credit files then immediately " Oh. The problem is the license scan is not readable. ". Not only was that a pathetic lie that contradicted his own previous sentence, but I made certain the license was legible. Us American Citizens ' welling being is at risk due to Transunion 's carelessness! 

I am included updated scans in this complaint.

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 2019-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arete Financial Group
State: NC

Complaint narrative:
Arete Financial Freedom ( Debt Pay Gateway ) had agreed to pay our credit card debt and take out a monthly payment plan to pay our creditors back. All was good until the debt had all been paid back and the company keeps taking money out of our account. We have fully paid Arete back ALL the money for our debt and a settlement was made on all our accounts and paid FULLY on XX/XX/XXXX. 

We have made a lot of phone calls to the company, there is never an answer and we have left a message every time we have called. NO ONE calls us back. I have even sent an email message through their online portal requesting the money back, again, no answer. 

Money was taken out after final payment again on : XX/XX/XXXX for {$670.00} ( monthly payment they owed us back for over payment ) XX/XX/XXXX for {$25000.00} ( which was to pay the debt-amount above should not have been taken and they agreed to give it back to us ) XX/XX/XXXX for {$670.00} - monthly payment that should NOT have been taken out because debt had been fully settled and paid. 

I have documents showing on their online portal that our account holds a positive balance of {$1200.00}, which is the amount they OWE us. It looks as though their is an FTC Restraining Order on the Company as of XX/XX/XXXX. PLEASE help us get our money back!

Company response to consumer: Untimely response
Consumer complaint received 2019-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: MN

Complaint narrative:
My truck was taken sometime during the night of XX/XX/XXXX-XX/XX/XXXX, it was dragged down my driveway leaving marks, hopefully the truck is not damaged, I attempted to make payment on the loan on XX/XX/XXXX but was unable to do that because the system was not allowing me to. I contacted XXXX XXXX via email to notify him I would call him on Monday XX/XX/XXXX to make a payment he responded asking if I would call him XX/XX/XXXX I told him I was unable to as I was working XXXX-XXXX  that day, I take full responsibility for the payment being behind but I have made late payments many times in the past and only once in XX/XX/XXXX did I receive a notice to cure the default which I did. I spoke to GM employee # XXXX on XX/XX/XXXX from the recovery department that stated GM sent me a notice to cure in XXXX. I am very good at checking my mail and would never have ignored such a notice, I never received XXXX. I was told you have until XX/XX/XXXX to recover the vehicle, as the gal was so nice as to put a ten day hold on the vehicle, dont they have to give you a chance to get the vehicle back anyway? I take full responsibility for the past due amount of XXXX which I can pay. 
Then another XXXX for the repo and storage fee. I cant pay that, I questioned them why they would cause such a hardship on someone who is already struggling to make payments when I had an agreement with XXXX XXXX to make payment on XX/XX/XXXX I was told that GM doesnt accept email as a form of communication. Well then why was XXXX XXXX responding to me via email. I need my vehicle back for transportation to work, I work two jobs but have only been able to get a ride to one so Im losing income and that XXXX is my XXXX payment which I would not be able to pay if I have to pay the fees which should never have happened. As well today is day two since they took the vehicle and I do not have a statement from them explaining the whole process nor one with a right to cure the default before this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
This complaint is about the process of one mortgage company selling to another. This happened to me during the month of XXXX which I became aware of in XXXX. This sale was done with NO notice to me and was sold a couple of times. The first company was XXXX, which was the company that originally financed my mortgage. It was sold to XXXX XXXX a year ago. Then sometime in XXXX, I assume, was sold to another company that do not know the name of and now Shellpoint Mortgage Servicing holds it. According to the letter I received from Shellpoint, they took ownership on XX/XX/2019. Almost 2 weeks later I started receiving all of Shellpoint 's  mailings including a statement with a {$2100.00} payment due by XX/XX/2019. Now I have taken out a loan to catch up on this and have no idea how I am this far behind in payments besides the fact that these mortgage companies are aloud to add fees on a practice that they don't inform people about or at least a lack of information to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation