vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-15 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I had a dispute for the {$270.00} transaction from   XXXX   XXXX   XXXX   XXXX   XXXX   as they charged me twice, and I filed the dispute on  XX/XX/XXXX . Barclaycard forwarded my dispute to the merchant, and the merchant responded on  XX/XX/XXXX . Barclaycard forwarded their response to me and said " if you disagree with the merchant 's response and would like to reassert your claim, please send an updated signed and dated letter that addresses all of the points in the merchant 's response within 10 days of receipt of this letter ''. I followed their instruction and filed a rebuttal on  XX/XX/XXXX  to " address all of the points in the merchants response '' one by one and I have the witness ( See attachment ). Unfortunately, Barclaycard refused to forward my rebuttal to the merchant, and also refused to further assist me or pursue credit on my behalf. Barclaycard 's argument is wrong, and i am not even sure if Barclaycrd have read my letters which address their issues already : 1. " When the merchant was contacted they gave an estimate for the service that is to be rendered ''. Partially true. The estimate was {$390.00} for the service of 4 hours on  XX/XX/XXXX , but the service was unable to be completed as the movers went to the wrong address at the first place, and the driver refused to drive down the alley as " it was too dark ''. I did not dispute the charge of {$390.00}, and since it was an estimate, I could accept the final charge a little bit higher as I am reasonable. But I can not accept a separate charge of {$270.00} for the service rendered on the following day of  XX/XX/XXXX  for the service that had not been completed the previous day of  XX/XX/XXXX due to the movers fault.
2. " Until the full service is provided would they be able to bill for the exact amount of the cost ''. Not true. On  XX/XX/XXXX , the movers insisted on my paying {$290.00} ( the remainder of the charge of {$390.00} ) and signing off even though they were not going to unload, and on  XX/XX/XXXX  they refused to unload unless and until after I paid {$270.00} and signed off first saying " that 's the company 's policy ''.

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 2017-07-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My credit cards provide me with my credit score. My score has been steadily growing over several months now - there has been no new inquiries, my credit limit did n't change, and my debt amount has been decreasing by $  XXXX /month. Not only TransUnion shows incorrect Score to begin with, but it also provides different information to different cards, and it took it a step farther when it wrongfully showed my Score falling by  XXXX  points in  XXXX  and  XXXX . I placed several calls with them - got bounced around with no result whatsoever. Filed a complaint through   XXXX   XXXX   XXXX   ( one of my cards getting info from TransUnion ) - did n't hear back from them other. I can not find the way to get anybody to answer a simple question : why would my score fall by   XXXX   points with TransUnion if it grew by  XXXX  at the same time period with other  XXXX  agencies. Representatives appear to be completely incompetent and they do n't even try to help. All they do is trying to sell (!!! ) me my today 's Score info for {$9.00} - makes a lot of sense in this situation ... I do n't understand why the company that is an obvious jobs-outsourcing fraud has been granted access to the most crucial information on every American? And why our Government does not control their activities???

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 2017-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
CREDIT CARD COMPANY : CITICARDS CBNA #  XXXX **** By  XXXX  2017, my credit score was   XXXX    and now it went down to  XXXX , it seems that the reason why, it 's because there is a delinquent account of   XXXX   that went into collection. No bills or statements were sent to me during all this time ; even thought, i have been a client for the past 7 years and they have my contact information ( address, email and phone number ) the only day they contacted me was to tell that my account went into collection. I have   XXXX   other credit cards with this bank and I have always been making payments on time, i never had issues with other credit cards associated to the bank. Now my job is getting affected by this issue because my job is dependable of my credit report, I also wanted to buy a new car and my credit does n't look good i can not get any offers, it 's causing me a lot of delay in my life.I would like to get this issue fix as soon as possible and i can continue living as any other honest citizen.
This issue started when Costco   XXXX   XXXX   switch to Citi bank. I downloaded my Credit Report and it shows that I was a " Satisfactory '' Client with "   XXXX   XXXX   '' cause I made my payments on time. I was never notified about the change or statements were mailed to me. At this point my balance with   XXXX   XXXX   was {$0.00}, and I never gave permissions to renew my membership with Costco ( it was done automatically ), in my 15 years or more of being a Costco member, when i did n't pay the membership it was cancelled, and the next time i had to pay for the membership at front, it was never done automatically until recently. I 'm still willing to talk about this with a representative who willing to help me and do not drive me to different directions. I already contacted the bank and no one is willing to help me with this issue.
Best,  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 2017-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: FL

Complaint narrative:
my ss # was used without my consent, i contacted the IRS, and other creditors to resolved this matter and they have been more than helpful to resolved 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 2017-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My date of birth is incorrect. I a m  XXXX  old. I was not born in  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 2017-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
In   XXXX   I purchased a home in  XXXX , MO for {$38000.00}. I immediately established automatic payments to be drafted from my checking account each month with the loan servicing company and was never late or missed a payment. On  XX/XX/XXXX , Chase Mortgage took over the servicing of the loan. Their communication regarding instructions on how to establish payments was not timely and inconsistent. As a result, the  XX/XX/XXXX  payment due to Chase was late. Payments since  XXXX  have all been on time. There was only one late payment and it was clearly due to the transferring of the loan serving company and all of the associated changes that go along with that transition. The fact that Chase 's communication was lacking in punctuality did not help the situation. Despite the peculiarity of the situation when looking at my payment history, Chase reported my late payment to the credit bureaus and I now have a blemish on my credit report that misrepresents my true credit behavior. I have communicated with Chase directly as well as through the BBB and they refuse to reconcile this issue. They are required by the Fair Credit Act to report issues with credit, however they are failing to meet this requirement as this is not an instance of poor credit, but simply a result of a communication breakdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear Sir or Madam, I applied for  a Citi / AAdvantage Platinum Select World EliteTM Mastercard credit card (    XXXX   XXXX   XXXX   ). If I spent {$1000.00} in 3 months, I would receive  XXXX  AA miles. I did follow the requirements but I did not receive the miles.   XXXX  I would really appreciate if you can help me get my miles back.   XXXX  Thank you  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 2017-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
my ss # was used without my consent, i contacted the IRS, and other creditors to resolved this matter and they have been more than helpful to resolved 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 2017-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Clarity Services
State: FL

Complaint narrative:
hi my ss # was used without my consent i have contacted the IRS and other creditors to help me resolved this problem and they have been more than helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I need to give some personal financial / health background information previous to this auto loan with Capital One.
 XX/XX/XXXX  filed BK/discharged  XX/XX/XXXX  During process of BK I voluntarily surrendered my car I had at the time. Also during this time I was on CA SDI ( XX/XX/XXXX  ) - made the choice to surrender my car - I was out of work, could n't keep up with payments In  XX/XX/XXXX  I attempted to return to work. I then needed a car this is when I obtained the auto loan from Capital One  XX/XX/XXXX  I was I was placed on total and   XXXX   XXXX   (   XXXX   XXXX   ) through Social Security. Unfortunately this was one month after I received this auto financing through Capital One. I have been struggling since then with my payments.  XX/XX/XXXX  I placed my payments to Cap One on an automatic payment schedule.
<P/>
I am on reduced income causing me to have very little money after I have taken care of my basic necessities I have organized my finances in order to be able to continue with my payments to Cap One ( as stated above ) however the issue now is I am 4 months behind with additional late fees accruing, etc. as well as receiving collection letters informing me they might tack action to repossess. All of this causes additional mental and emotional stress to me which is not healthy for my condition.
<P/>
I will provide any documentation needed to the best of my ability.
<P/>
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I never received my  XXXX  form 1099-INT from Santander for either my checking or savings accounts that I opened on XX/XX/XXXX  and closed on  XX/XX/XXXX . I contacted them by phone in  XX/XX/XXXX  to check why I had not received the form ; the customer support agent told me that they would re-send the form to my mailing address. I have not received it yet, and at the time the agent refused to provide a digital copy, so I do n't have an alternative way to access that 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 explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North American Credit Services
State: FL

Complaint narrative:
I attempted to have the medical providers bill my XXXX XXXX for services render from date of service from XXXX, XXXX, and XXXX of XXXX and the provider failed to bill them instead they placed accounts to collection to try to collect from me. I have contacted the Honorable XXXX XXXX for his assistance this matter and Congressman XXXX XXXX  sent letter to Florida Hospital XXXX XXXX to cease and desist the collection on account with date of service from XXXX thru XXXX and bill all accounts to XXXX XXXX. My deductible and coinsuranceis zero so account will be paid at 100 %. This specific collection agency has serval account for those date of service.
Account number for collection account are as follows : XXXX - {$120.00}, XXXX - {$88.00}, XXXX - {$88.00}, XXXX - {$130.00} XXXX - {$88.00}, XXXX - {$330.00}, XXXX - {$300.00}, XXXX - {$120.00} XXXX - {$9100.00}, XXXX - {$3800.00}, XXXX - {$240.00} These account were placed in all XXXX credit bureau thus damaging my credit score I have tried serveral time to contact collection agency and provider to no avail. I have also asked the providers to call XXXX XXXX at XXXX my member number is XXXX and verify my coverage with XXXX and they have refused. XXXX XXXX has advised me if claim is billed within 60 days fromXX/XX/XXXX all claims will be paid once I appeal being now claims are past the filling deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
hi my ss # was used without my consent i have contacted the IRS and other creditors to help me resolved this problem and they have been more than helpful.

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 2017-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NM

Complaint narrative:
I bought a XXXX XXXX XXXX from XXXX and financed through Santander Consumer USA ( XXXX ) in XX/XX/XXXX. I have been paying my car since then but, in XXXX i fell behind due to my husbands XXXX and subsequent medical expenses that resulted from the XXXX. I attempted to fix things with them several times and they said well you are past due and we submitted for repossession of the vehicle but, if you pay the past due today we will cancel it and you will avoid any repossession or issues as a result of that. I would just have to pay and continue making my payment. We paid the amount that they required and then i discovered that on my credit report my car was reported as Charge off. I contacted them and they said oh that 's what we do when we reinstate a loan. I was never ever notified in writing or on the phone that they would be doing that. I am paying on a vehicle that shows as thought it was repossessed on my credit reports. I have tried to refinance the vehicle and I was informed by several banks that I ca n't refinance something I do n't have ( which clearly i do have ) The bank is destroying my credit I can not get a home or anything because of that loan. They have charged it off but constantly update the loan charge off date to seem closer and closer so it always appears that I just lost the car. The vehicle balance never changes and they never report that i am making payments it looks like i occassionally give money to a debt not a loan! they charged me over 10 dollars to make a payment for years and my payoff amount is still {$16000.00} on a vehicle that started with a balance of {$18000.00} 4 years ago. I think they are cheating me and stealing money from me because thus far i have paid XXXX and at the rate of charges i will pay XXXX XXXX dollars for the vehicle was never valued anywhere near that amount to top it off they said i still have three more years to pay because my vehicle is charged off and will always earn interest. They I believe broke the law by not informing me of what they would do to my account, me and my credit. They never once in writing or verbally told me they would report my car as charged off/ repossessed. This is a very predatory way to run a business and this is not the case with every loan i have talked to several people who are financed through santander consumer usa and two of them had their car in repo status paid and were never reported as a charged off loan or any other negative information other than being past due and current. This implies that they selective on who they take advantage of maybe they prefer people who are in their XXXX like me who should just go along with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
On  XX/XX/XXXX  an account was reported as being opened by commonwealth financial with an amount being owed of {$920.00} I then sent a validation of debt letter via certified mail on  XX/XX/XXXX  which in return I received a letter back from them dated  XX/XX/XXXX  stating that commonwealth financial systems, inc. Has closed and returned the above referenced account to our client,   XXXX   XXXX   XXXX  . They also stated CFS will send a deletion update to the   XXXX   major credit reporting agencies in which they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
hi my SS # was used without my consent I 've been in contact with the IRS, and other creditors that 's been more than helpful

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 2017-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On   XXXX    XXXX , 2017 I received a payroll check from my employer instead of a direct deposit as it would not be available until later in the month. The check was received by mail and I deposited this check via Chase Mobile app after  XXXX  PST and received a message that it was accepted. I then made bill payments. There was no message from my employer that the check was dated  XXXX   XXXX , 2017. The check was paid on the corporate bank account of my employer and there were enough fund to cover it as the payroll was scheduled to run on  XXXX   XXXX , 2017 for all employees across the US. Chase then returned the check and charged me overdraft fees. I alerted my employer who is direct depositing the same amount of the check on Tuesday,   XXXX    XXXX , 2017. However as of   XXXX    XXXX , 2017 my account is now over {$600.00} in overdraft. I went to a Chase branch in   XXXX   XXXX  , CA and the personal banker was only authorized to reverse {$100.00} dollars in service charges for   XXXX   NSF transactions out of   XXXX   so far. By the time I receive the direct deposit my account will still be in arrears and I will incur more charges if I ca n't make up the difference in 5 days. My next paydate is  XXXX   XXXX , 2017. Chase did not call the bank of my employer to verify funds because they said I did n't deposit it in person.
<P/>
My home branch is in   XXXX   XXXX   which is over an hour commute time from where I live. So I went into the branch near my house that was open on a Saturday. I have listed my home branch in the business contact details below.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
Dates are not exact.
 XX/XX/XXXX  : Refinanced mortgage, sent Navient @ {$15000.00}. XX/XX/XXXX : - Navient claims they did not receive it but we have copies of canceled checks - Navient says we sent checks to wrong address, will send refund.
  XXXX   : - No refund. Navient says they sent it.
 XXXX ,  XXXX  : - still not refund.
  XXXX    : Talk with customer service, they 'll check into it.
 XX/XX/XXXX : - Spoke with "  XXXX  '' promises she will take care of everything eventually.
- Checked account ... balance is {$0.00}. Must have been taken care of.
 XX/XX/XXXX : My account is past due. Balance @ {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 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: GA

Complaint narrative:
I 've contacted each of the credit bureau and requested that they remove an account with   XXXX   XXXX   XXXX   that is reported as as a collection account, but its status is open and the high balance is one amount and the amount owed is much higher as well it continues to increase in balance monthly  ...

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