vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I do all my banking online. When I logged onto to pay my Citicard payment in XX/XX/2018, Citicard said it was converting my Visa to a MasterCard, and in the process, told me no minimum payment was due. I tried to make a payment anyway and the website would not allow me. Additionally, I did not have access to any of my account information and was not able to use the " Help '' function online. 

Yesterday, XX/XX/2018, I received a bill in the mail, and it said my account was 30 days past due and charged me a {$39.00} late fee. I immediately telephoned and made a {$250.00} payment and asked for the {$39.00} fee to be waived. I should note that I was on hold for a long time and the entire call took nearly 30 minutes. I was told I had to call back for the {$39.00} to be waived once the payment had posted. 

I called back today, XX/XX/2018, and 1. a customer service rep said she waived the fee ( which I can not verify because I have not access to my account ), and 2. I spoke with " XXXX '' in the Client Focus Team. I still do not have access to my account online, I still can not see the {$250.00} payment applied to my account, and I am not able to make my XX/XX/2018 payment in any other way except snailmail ( although I don't have any idea how much I owe because I can't access my account online ).

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 2018-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2018, I contracted Chase via phone. I was attempting to buy tickets from a seller and was provided with a name and email address. As a way of due diligence I spoke to a Chase representative regarding XXXX and to ensure the name and email belonged to a legitimate account. The email was confirmed to have an account with Chase or one its partner banks. I went ahead and submitted a transaction for {$480.00} to XXXX XXXX at XXXX I did not receive the digital tickets within 10 minutes and the person stopped responding to my calls/texts. I immediately contcted Chase to stop the transaction but was told the person had already accepted the money and they could not retrieve the money. They informed me they would file a claim to contact the persons bank and try to get my money back. I was told I would hear back within 5 business days.

I contacted Chase again on XX/XX/2018, since I had not received any information. The representative told me there was no update but provided me with a case number and XXXX   number and told me to call to get an update. After being in the phone for over 20 minutes, XXXX informed me they dont handle claims and that this issue needed to be resolved directly with my bank. 

I called Chase again and was told my claim had been rejected by Chase and that they had submitted a claim to the persons bank. I was told I needed to wait and see if their bank would reimburse me. Needless to say, I did not receive the customer service or assistance I needed from the bank where I have been a loyal client for 7 years. I requested the name of the bank of the other party so I could attempt to follow up on my own, but was told I could not have this information. I was told to just call back periodically to see if the other bank had responded. I have yet to receive any information and no refund has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I discovered fraudulent activity on AMEX this account in the amount of {$970.00} in XX/XX/18. I contacted the company with no resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Instead of providing me with the detailed information I requested, about my WELLS FARGO Home Equity Account, they immediately contacted XXXX & reviewed my credit records, each time, on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 
Their credit inquiries are suspicious because these requests have nothing to do with the information in my Credit file. 

Further, WELLS FARGO refused to investigate and correct statement errors, which not only impacted my credit scores and history ; but also affected the balance owed on this 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 2018-08-07 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: CA

Complaint narrative:
The unfair business injury that I and my family has being under is totally unbearable. 

Can not get a loan for my business ; or any loans for that matter. 
The whole situation is very stressful on me and the family to the detrimental of break up the a marriage.

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 2018-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
My car loan was serviced through GM financial on XX/XX/18. I have XXXX which is a 3rd party that pays auto loans and pays them off quicker. The company does not allow bi weekly payments, they also don't show a payment history on my account that tells me what went to interest and what goes to principal. I was told I can't see the payments the 3rd party makes on my behalf because I didn't pay them. My account shows no payments posted. I was told the only way to see my payment history and what was posted was through the monthly statements. I was told my account accrues interest everyday which was not told to me at the time of my loan signing. I was told I can't request an amortization statement. I am just being told I can't see or do anything with the account but see the basic stuff which to me is not consumer friendly especially since I am the consumer. I can never see anything that goes to what payment. I am being denied my right as a consumer to know where my money goes, and I am being denied my right as a consumer to see what is happening. To me this is a fraudulent lending practice because my loan was XXXX at the time of the loan, and now I owe them more than the original loan terms after 2 payments of XXXX has posted to the account. I know owe them XXXX. I believe I am a victim of predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a credited letter return receipt 2 weeks ago addressing Equifaxs incorrect information on my report. They are reporting a fraudulent account - XXXX and removed my freeze I was entitled to and had before my last name changed! This was a file mix and they must remove the XXXX account and credit inquiries that are fraudulent and not authorized by me! I've filed a FTC report, numerous police reports, and the attorney general. I demand they block the fraudulent account and reinstate my freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I have title in hand with GM financial as the lien holder. I refinanced the loan through XXXX XXXX XXXX XXXX and the GM Financial loan was paid off on XX/XX/XXXX. XXXX XXXX XXXX XXXX and Michigan Secretary of State tells me I need to obtain lien release from GM financial in order remove their lien from my title and so that I can then place XXXX XXXX XXXX XXXX as a lien on the title. State law requires gm financial to provide a release of lien within 14 days for Michigan residence with title in hand. I have requested the lien release and proof that my loan is paid in full and GM financial has not provided. They have promised multiple times to fulfill my request and then come up with a wide range of reasons as to why they can not fulfill my request. They even went as far as to say that it's my fault because I paid the loan off too quick. I was required to keep loan for 30 days. I had the loan just over 30 days. Further, they have given me false call back phone numbers and extensions, false fax numbers and a false email handle to their resolution department.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I discovered fraudulent activity on this account XXXX XXXX via XXXX XXXX XXXX for {$5000.00}, XX/XX/18.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
This complaint is against The Bureau Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I have attempted twice sending out dispute letters via certified mail to the bureaus inc on XXXX XXXX and XX/XX/2018 to get verification of a contract with my signature saying I owe them money from a collection debt of {$690.00} account # XXXX. At this time The Bureaus Inc. has been reporting a negative collection account on my credit report to all of the 3 major credit bureaus XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX TO WHOM IT MAY CONCERN ATTENTION DISPUTE DEPARTMENT : CHOICE RECOVERY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CHOICE RECOVERY XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX TO WHOM IT MAY CONCERN ATTENTION DISPUTE DEPARTMENT : Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/2018 XXXX case # XXXX Transunion case # XXXX To Whom it may Concern ; I am contacting you regarding XXXX and Transunion Credit Agencies. 
In XX/XX/2018 I sold a piece of property ; XXXX XXXX XXXX XXXX XXXX, Ca. After selling that property I paid off another property XXXX XXXX XXXX XXXX XXXX, Ca XXXX around {$900000.00}. After paying off and closing these accounts my credit score dropped around 75 points. The credit Bureaus said they didnt know if loan companies closed them and we could have defaulted. I sent them copies of the pay off and recording with the State of California they were paid in full. They corrected the credit report removing the 2 loans and debt associated with them. After removing about {$150000.00} from our total debt our score went down again to XXXX and XXXX in XX/XX/XXXX when we paid off the mortgages the score was XXXX. They are now saying that our score is low because of credit card balances and will not adjust the scores even though we reduced the debt. I want to get a small loan against the property that is paid off to pay off all my other debt. We owe XXXX and its valued at {>= $1,000,000} at least. I had a XXXX dollars in my hand and could have done either. The credit companies wont change my score because the algorithms say we are in trouble according to XX/XX/XXXX and Transunion. Our complaint is their refusal to review and change our score. I have never had a 30 day late ever and have never defaulted on a loan. I own XXXX XXXX dollars of real-estate and would love to pay my cards off. Their policy and rating system is preventing me from doing that. I could have paid the Credit Cards first but I had no idea paying XXXX XXXX XXXX XXXX XXXX off my credit score would make it drop because it was mortgages. I think their current policies are unfair and are designed to make money for the credit industry. A low score costs you big money regardless of circumstances. As a consumer you are powerless. They are costing me money and stopping me from getting rid of all my debt because they refuse to count all the debt that has been removed from my total debt There is no way to fight back. No human looks at the data and corrects it. You are my only recourse. 
Thank you for your time and assistance in this matter. Hopefully your agency can help me fight their one-sided bias practices. 

Best Regards, 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 2018-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I discovered fraudulent activity on this account on my Home Depot account in the amount of {$22000.00} the balance on this account should be one thousand or less. I reviewed my statements from XX/XX/XXXX to XX/XX/XXXX and fraudulent activity starting from XX/XX/XXXX to 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 explanation
Consumer complaint received 2018-08-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2018 I sent a letter to XXXX XXXX XXXX to remove all addresses and names on my file that are incorrect and update my credit file with the correct information. XXXX   XXXX XXXX did not remove all the incorrect Names and Addresses on my File so XX/XX/2018 I sent another letter with a copy of my Driver License and bank statement and Social security Card. providing them with my correct information still no corrections completed on my file.

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 2018-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Service, Inc.
State: VA

Complaint narrative:
This year on XX/XX/XXXX, my husband and I both received letters from XXXX XXXX XXXXs stating that we owed {$1200.00} to the apartment complex we previously lived in. I called on XX/XX/2018 to ask what the debt was for and then paid it in full over the phone by debit card. It was paid at XXXX XXXX. I was given a confirmation code over the phone and I also received a confirmation email. I was told that we were good to go and that we did not owe any more money and we would not be taken to court. Then a couple of weeks later on XX/XX/XXXX, we received another warrant in debt from XXXX XXXX XXXX for the same amount of {$1200.00}. I called XXXX XXXX XXXX again and asked why the warrant in debt was sent to us. They stated that there was a duplicate account made and they would delete it immediately and we would not be charged or taken to court. I requested this in writing and received a letter from XXXX XXXX on XX/XX/2018 that stated that our account was paid in full. We then received another warrant in debt early XXXX for the same amount of {$1200.00}. It stated that we are to appear in court on XX/XX/2018. We should not have to go to court and want this resolved

Company response to consumer: Closed with explanation