vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/16 there were a total of XXXX unauthorized transactions on my account. Two purchases totalling in {$570.00} and 5 atm withdrawals totalling in {$1100.00}. As I was away on a business trip, I called Citibank as soon as I return and made them aware of the unauthorized transactions they didn't process my claim separately I was returned the {$570.00} immediately however the {$1100.00} they refused to return to my account despite that fact that all these charges happen at the same time they chose to approve some and deny others, it's now been two months of me calling the bank providing police reports and speaking to agent however Citibank refuses to Simply look at their cameras at their own branches and see that I am not the one who made these purchases. Due to the ongoing pandemic I have been out of work for 2 months and now my account is in the negative because Citibank has taken away their temporary credit

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 2020-05-08 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: PA

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings.

XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX  {$3700.00} I challenge the accuracy, compliance and reportability of these listings.

There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ).

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney John F. LeFevre, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for

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 2020-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: SC

Complaint narrative:
I am a single homeowner, solely responsible for my mortgage. I unexpectantly became unemployed due to no fault of my own. I requested a forbearance and received it. After the forebearance period I started making payments again. In desperation I had to take jobs that were not suitable for me. I lost my job again, then I started having symptoms of COVID and I have not been able to look for new employment. My mortgage servicer started the foreclosure process. They gave me false hope that they wanted to help me. 
Their solution is a scam that takes advantage of a persons hardship. 
I have been paying for my mortgage since XXXX. I used money I made from the home I owned since XXXX to help pay a down payment on this loan. So in reality everything Ive paid as a homeowner is tied to this home and loan. 
The servicers or XXXX XXXX solution is to modify the loan to a 40 year loan. 
That is nothing but a scam that will never allow a person with a mortgage get on their feet an actually one day own their home. 
Its unethical and needs to be regulated and scrutinized. XXXX XXXX was set up by Congress. There should be oversight into this type of homeownership scams? How can this be allowed? Why is there no help for a person in my situation? I do not want to lose my home but a 40 year mortgage is ridiculous. Id be XXXX before I could pay it back. 
The money that goes toward housing counselors is a joke.its wasted money that would be better spent with a Ethics committee overseeing the housing industry and services XXXX XXXX  and PNC are using unscrupulous immoral practices to hang desperate homeowners. 
Where is congress? Where is help? Where is hope? 
Its all a scam! This needs to be made public,. 
No one deserves to be taken advantage of in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: TX

Complaint narrative:
I used Experian Premier Membership until XX/XX/ 2019. At that time I canceled my membership with Experian. However, they have continued to bill my debit card each and every month since I canceled and have not refunded the overcharges. They have billed my debit card XXXX every month ( XXXX, XXXX, XXXX, XXXX, and XXXX ). They have claimed they can't find my membership since I canceled. The membership is under my email ( XXXX ). The membership number is XXXX. I can still log on to the free service so I am not sure why Experian is unable to find this.

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 2020-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JTM Capital Management, LLC
State: LA

Complaint narrative:
This company is Not licensed to collect any debts in the state of Louisiana and this debt has been paid already anyway. I've contacted the original company and this company because they're failure to remove this paid debt is damaging my credit.

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 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently received a copy of my Experian credit file where I noticed several issues I contacted the credit bureau and advised them of said errors however some of the disputed incorrect items are still appearing on my credit report ... all errors are listed below 1. Incorrect name appears on report I was previously the victim of IDENTITY stolen the person who used my information used the name XXXX XXXX my legal name is XXXX XXXX XXXX and Im have provided proof of legal name change I was allowed to change my name back to a previous name as the XXXX name was stolen ( presumably by previous family ) and also tied to XXXX XXXX for my safety I have requested that only the name XXXX XXXX XXXX be listed on my file any valid accounts would have the name XXXX XXXX XXXX 2. There is a bankruptcy listed in my public record section of credit report this is not my account ... I asked Experian to confirm the source of this information they state XXXX county courts however they have no record of this information and advised that they have not and do not report to Experian

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 2020-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: PA

Complaint narrative:
I had checked my credit report and found fraudulent accounts. I disputed the accounts for a few months with the credit bureaus and with the debt collector. I filed a police report and a FTC Fraud affidavdt. LJ Ross still refuses to remove this fraudulent account from my credit reports after months of fighting. I need help from the  government now to resolve this issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. SOUTHWEST CREDIT SYSTEMS {$240.00} SOUTHWEST CREDIT SYSTEMS {$690.00} I challenge the accuracy, compliance and reportability of these listings. There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ).

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
On or around XXXX XXXX, 2020 someone charged fraudulent purchases to my Lowe's/Synchrony account. The charges were promptly reported and the account cancelled. During the course of transferring my balance to a new account, a Lowe's/Synchrony representative appears to have transferred one of the fraudulent charges ( {$360.00} ) to the new account at an interest rate of 26.99 %. I have repeatedly called Lowe's/Synchrony every month for the past five months and have been passed from department to department trying to get this resolved. They have repeatedly cost me time and money! Contemporaneous with the filing of this complaint Lowe's/Synchrony has charged, billed, and cost me {$580.00} because of their negligence to date. I have complained to customer service repeatedly ; however, it always ends up with one department blaming another department and transferring my call to that department only to be redirected back to the department they just transferred me from.

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 2020-05-08 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: GA

Complaint narrative:
I mailed a letter to Transunion on XXXX XXXX, 2020 ( USPS : XXXX ) in regards to an XXXX XXXX account that has showed up on my transunion report. In the letter included my Police Report from XXXX Police Department, Identity Theft Affidavit, and other documentation that shows I've taken the necessary steps to report my identity theft to the proper authorities. On XX/XX/, 2020 Transunion received the letter and a few days later opened a standard 30 day " investigation '' and refused to block the fraudulent information while they " investigate '' despite having proof and documentation according to FCRA 605b. This methodology has caused greater stress to an already stressful issue to rectify. Transunion has shown gross negligence in treating this like a normal dispute. These companies control so much of our livelihood and take very little action in helping out the small people who's information they collect and sell to ensure it's accuracy.

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 2020-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The collection agency is Portfolio Recovery. They have been calling multiple time a day from different scrambler numbers. Their hours of operation are XXXX Eastern Time. I live in California and they are calling me before XXXX. At XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made a payment of {$200.00} and payment was withdrawn from my bank account that very same day. Payment never reflected on my account available balance. The weekend came and nothing. Called them they said payment would post Monday! Tuesday came and nothing. Called them again said payment would be in hold until it clears Wednesday! Even though the payment had retrieved from my bank account! I made a second small payment of just {$10.00} dollars to see if it would happen again small thing payment withdrawn from my account yet not reflected on my balance!!! Called again Thursday they said payment would be reflected on my account FRIDAY!!! Called again and now was told payment would be on hold till Sunday!!! More than a week!!!!! I would have never in a million years paid the last of my money during this pandemic if I knew this was going to be the case. Still a week later no money no available credit and starving! I am literally crying while typing this message I'm hungry and still no money with no end in sight. Never get a credit card with CAPITAL ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I currently have a balance of approximately {$1000.00} on this prepaid card which includes my last two direct deposit paychecks. 

On XX/XX/2020 I discovered the account was locked and I was unable to access any information. I was also unable to withdraw money at an ATM or use my card at any retail store. 

I attempted to contact the company by phone but was unable to do so after waiting on " hold '' for more than 3 hours. 

On XX/XX/2020, I again attempted to contact the company by phone but was unable to do so. I am greatly concerned that I will not be able to meet my financial obligations for the month. I feel the company ( Bluebird by American Express ) has breached its fiduciary responsibility and I need a prompt resolution to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Ok so I went to look at a XXXX XXXX XXXX that was located at XXXX XXXX in XXXX XXXX Florida, everything looked okay with the car so we went in to talk numbers, Loan time etc we got to {$7500.00} was the financed priced and my loan was for 2 years/24 months I would be making a {$250.00} a month car payment with {$2200.00} as the down payment, a few days later the check engine light came on my tire pressure sensor light has come on with the tires being at 35psi ( recommended tire pressure ) a couple weeks later another thing broke and was supposed to be under warranty, I called XXXX ( XXXX XXXX manager ) he said everything was covered on the warranty no worrys bring the car in now while my car is in his shop I get a call from him and he says its just maintenance and I would need to pay {$200.00} but he said since hes a good guy hell do it for {$100.00}, now the main thing that I have a problem with is the fact hes saying I owe him {$500.00} on top of that my car loan is now 4 years/48 months and the loan amount is for {$12000.00} dollars, how did I go from a {$7500.00} 2 year loan to a {$12000.00} loan for 4 years? It was never discussed and I would have never signed anything for a {$12000.00} loan for a {$5000.00} car. The loan was from Credit Acceptance I was also never given my financing agreement which details the terms of my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This account was paid in full and I have the canceled payment information to prove it. This company has been contacted countless times and refuse to provide any information on my case. The three credit bureaus refuse to remove this account and also refuse to ask for a method of verification.

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 2020-05-08 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: EQUIFAX, INC.
State: LA

Complaint narrative:
This account was paid in full and I have the canceled payment information to prove it. This company has been contacted countless times and refuse to provide any information on my case. The three credit bureaus refuse to remove this account and also refuse to ask for a method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This account was paid in full and I have the canceled payment information to prove it. This company has been contacted countless times and refuse to provide any information on my case. The three credit bureaus refuse to remove this account and also refuse to ask for a method of verification.

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 2020-05-08 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
About 2 years ago I had my identity stolen via my mail was stolen and my checking account was hacked. I went to my bank, XXXX XXXX and showed them " payments '' against my checking account for items that are not mine. I went through their fraud department and submitted multiple affidavits that were investigated by the bank and found to be legitimate. They removed the charges and fees from my account and refunded me the funds. All the while and for several years I have been seeing inaccuracies on my credit report and wrong addresses and information. I contact the credit bureaus regularly to remove items from my report and they just don't. They claim that they meet the federal requirements to be accurate and do nothing. I have requested numerous times to have physical proof and documentation sent to me to verify that any account I dispute is actually mine. I never hear anything back. It looks like there are multiple entries for some of the reporting yet that never changes either. The credit I do have is excellent and " exemplary '' status, but the fraudulent ones have destroyed my credit to a XXXX XXXX score. I am at my wits end with this, I have sent letters to the three credit bureaus, no one responds.

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